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Harrison Lilly

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

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520 Whispering Creek Ave , Freeport, FL 32439
$360,000
Est. Payment: $1,825.85/mo
4 Bed
2 Bath
1789 Sqft
Status: active | Days on site: 6
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to 520 Whispering Creek Ave, a 4-bedroom, 2-bath home set on one of the largest and most private lots in the neighborhood. With an expansive yard, wooded surroundings, and no future home to be built beside it, this property offers a level of space and privacy that sets it apart from many others in the community. Inside, the open-concept floor plan connects the living, kitchen, and dining areas, creating a bright and functional space for everyday living and entertaining. The kitchen features granite countertops, white cabinetry, stainless steel appliances, a large breakfast bar, and plenty of counter space. The primary suite includes a spacious bath with double vanity and granite countertops, while three additional bedrooms provide plenty of flexibility for guests, an office, or additional living space. French doors lead from the main living area to the covered back porch overlooking the oversized backyard and wooded tree line--an ideal spot to relax, grill, or entertain while enjoying the extra privacy. A covered front porch, two-car garage, and generous outdoor space complete the home. An assumable mortgage is available for qualified buyers, subject to lender approval and applicable terms. Buyers may also have the option of a 0-1 temporary rate buydown when using the preferred lender, offering another opportunity to reduce initial financing costs. With 4 bedrooms, 2 baths, an open floor plan, one of the neighborhood's largest lots, wooded privacy, and multiple financing opportunities, 520 Whispering Creek Ave is one you don't want to miss.

Highlights

Listed by Brooklyn N Chapman , 910-305-6618 Better Homes and Gardens Real Estate Coast Properties , 850-200-0523. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.62

HOA Fee

Year Built

2021

County

Walton

Area

20 - Freeport

Neighborhood

Cross Creek

Listing ID

1009883

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Microwave, Refrigerator, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Laminate,Floor WW Carpet

Exterior Features

Lot Dimensions:Irregular
Zoning:Resid Single Family
Sewer:Public Sewer
Principal Interest
$1,826
Taxes
$266
HOA
$0

Home Price

$360,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$72,000
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:
$1,825.85

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,825.85 $266.38 $0.00 $2,092.23
Yearly $21,910.22 $3,196.58 $0.00 $25,106.80
Total $657,306.75 $95,897.40 $0.00 $753,204.15

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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