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Harrison Lilly Team

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

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91 Spirit Bear Way , Freeport, FL 32439
$478,850
Est. Payment: $2,645.58/mo
5 Bed
4 Bath
2658 Sqft
0.09 Acres
Status: Active | Days on site: 26
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VCFL - B12292
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

Welcome home to the Dakota! Designed for effortless living and entertaining, this floor plan features 5 bedrooms, 4 full baths, and a 2-car garage. A charming covered front porch invites you inside to a seamless main level connecting the light-filled family room, dining space, and central kitchen. Enjoy ultimate privacy with a lavish primary suite on the main floor, paired with a convenient main-level guest bedroom. The second level boasts three generous bedrooms and an expansive, highly versatile loft space ideal for play or relaxation. Visuals for inspiration. Pricing is the base starting point; final price based on selections. Bear Creek Community offers conveniences such as sidewalk-lined streets, green spaces, pickleball & tennis courts, fitness center, and a sparkling resort-style pool that brings neighbors together.
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Highlights

Listed by Lori W Logue , 850-750-0239 VCFL Realty LLC , 850-750-0239. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.09

HOA Fee

600 Quarterly

Year Built

2026

County

Walton

Area

12 - Walton County

 Neighborhood

Bear Creek Cottages

Listing ID

794875

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Appliances:Electric Oven, Electric Range
Air Cond:Central Air,Ceiling Fan(s),Zoned
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Separate Shower, Upper Level Primary, Walk-In Closet(s), Loft

Exterior Features

Lot Dimensions:80x48
Roof:Composition,Shingle
Parking Features:Garage,Garage Door Opener
Principal Interest
$2,646
Taxes
$305
HOA
$600

Home Price

$478,850

Loan Details

30 yrs
7.374%

Down Payment

20%
$95,770
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:
$2,645.58

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,645.58 $305.27 $600.00 $3,550.84
Yearly $31,746.93 $3,663.20 $7,200.00 $42,610.13
Total $952,407.82 $109,896.07 $216,000.00 $1,278,303.89

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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS