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Harrison Lilly Team

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

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109 Sun Bear Cir , Freeport, FL 32439
$549,000
Est. Payment: $3,033.15/mo
3 Bed
2 Bath
2030 Sqft
0.22 Acres
Status: Active | Days on site: 5
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ERTA - E22893,E34291
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Harrison Lilly Team
Owner/Operator

House Description

$5,000 SELLER CREDIT OFFERED AT CLOSING WITH ACCEPTABLE OFFER! MOVE-IN READY and offering exceptional value in the gated Bear Creek community, this beautifully maintained CUSTOM-BUILT home is ready for its next owner. Built in 2021 and offering 2,030 square feet of thoughtfully designed living space, this 3-bedroom, 2-bath home also features a versatile bonus room and sits on a spacious 1/4-acre lot. Bear Creek offers a desirable Freeport location less than 2 miles from Choctawhatchee Bay, with convenient access to the beaches, dining, shopping, and recreation of South Walton. Residents enjoy an impressive collection of community amenities, including TWO COMMUNITY POOLS--one of them BRAND NEW--along with a fitness center, playground, and gathering spaces. Even better, this home is ideally positioned directly across from the fitness center, playground, and gathering areas, putting some of Bear Creek's most popular amenities just steps from your front door. Inside, soaring ceilings, abundant natural light, and an open-concept floor plan create a bright and welcoming atmosphere. The spacious kitchen and living areas flow effortlessly together, making the home equally suited for everyday living and entertaining. Step outside to the covered back porch and extended deck overlooking a peaceful creek and natural surroundings. Whether you're enjoying morning coffee or winding down at the end of the day, this private outdoor setting adds another dimension to the home's living space. The spacious primary suite is a true retreat with direct access to the outdoor living area and a beautifully appointed ensuite bath featuring a custom-tiled walk-in shower, double vanity, and oversized walk-in closet. Two additional bedrooms provide comfortable accommodations, while the bonus room offers flexibility for a home office, media room, playroom, fitness space, or additional guest area. With its custom construction, flexible floor plan, peaceful creekside setting, TWO community pools, convenient location, and $5,000 seller credit, this TURNKEY Bear Creek home offers an outstanding opportunity to move right in and start enjoying the Florida lifestyle.

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
0.22

HOA Fee

Year Built

2021

County

Walton

Area

20 - Freeport

Neighborhood

Bear Creek Cottages

Listing ID

1013056

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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
$3,033
Taxes
$298
HOA
$0

Home Price

$549,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$109,800
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:
$3,033.15

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,033.15 $298.10 $0.00 $3,331.25
Yearly $36,397.75 $3,577.21 $0.00 $39,974.96
Total $1,091,932.53 $107,316.30 $0.00 $1,199,248.83

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-06T22:55:19.000Z

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