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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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109 Sun Bear Cir , Freeport, FL 32439
$550,000
Est. Payment: $2,789.50/mo
3 Bed
2 Bath
2030 Sqft
Status: active | Days on site: 50
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

$5,000 SELLER CREDIT OFFERED AT CLOSING WITH ACCEPTABLE OFFER. Welcome to Bear Creek, Freeport's premier gated community and the only gated neighborhood located less than a 2 miles from Choctawhatchee Bay. Offering unmatched convenience, Bear Creek provides easy access to the beaches of South Walton without the hassle of fighting traffic through Freeport on Hwy 331, making every trip to and from the coast more enjoyable. Built in 2021, this beautifully maintained 2,030 sq. foot home features 3 bedrooms, 2 baths, and a versatile bonus room, all situated on a spacious 1/4 acre lot directly across from the community's fitness center, playground, and gathering spaces. Step inside to soaring ceilings and a bright, open-concept floor plan designed for both comfortable living and effortless entertaining. Natural light fills the home, while the main living area flows seamlessly to a covered back porch and extended deck overlooking a peaceful creek. The tranquil setting creates the perfect place to relax, unwind, and enjoy the sounds of nature. The spacious primary suite serves as a private retreat with direct access to the outdoor living area and features a luxurious ensuite bath complete with a custom-tiled walk-in shower, double vanity, and oversized walk-in closet. Two additional bedrooms and a flexible bonus room offer plenty of space for a home office, media room, playroom, or guest accommodations. fitness center, pickleball courts, tennis courts, basketball courts, clubhouse, playground, and gathering areas, all just steps from your front door. Whether you're searching for a primary residence, second home, or investment opportunity, this move-in-ready property combines modern design, scenic surroundings, outstanding amenities, and one of the most convenient locations in the Freeport area.

Highlights

Listed by Julie Pruitt-Gann , 903-293-5821 and Richard E Gann , 205-412-2687 Real Broker LLC , 855-450-0442. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.23

HOA Fee

Year Built

2021

County

Walton

Area

20 - Freeport

Neighborhood

Bear Creek Cottages

Listing ID

1005205

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Oven Continue Clean, Refrigerator, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Breakfast Bar, Pantry, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Wooded
Lot Dimensions:67x250
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Sprinkler System, Deck Covered, Patio Covered, Porch
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$2,789
Taxes
$298
HOA
$0

Home Price

$550,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$110,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,789.50

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,789.50 $298.10 $0.00 $3,087.60
Yearly $33,473.95 $3,577.21 $0.00 $37,051.16
Total $1,004,218.64 $107,316.30 $0.00 $1,111,534.94

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Freeport, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:16:22.000Z

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