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Harrison Lilly

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

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264 Bayou Cir , Freeport, FL 32439
$539,000
Est. Payment: $2,733.42/mo
3 Bed
3 Bath
1764 Sqft
Status: active with contingency | Days on site: 21
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

*CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS* Tucked beneath towering pines just steps from a quiet bayou, this Charming Coastal Cottage has the kind of curb appeal that stops people mid-walk. The wraparound covered porch and screened-in sitting area set the tone the moment you arrive, framed by a classic white wood-and-wire fence makes the whole scene like a postcard. Through the craftsman-style wood door and the open-concept main floor does all the talking: wide-plank hickory floors flow from the entry through a living room with a shiplap-accented fireplace, into a dining nook, and straight into a kitchen built for someone who actually cooks. Think white shaker cabinets, quartz counters, a custom vent hood, a tile backsplash with real texture, and stainless appliances throughout -- plus a center island with room to gather. The main-floor primary suite is a genuine retreat, with a spa-style bathroom, a walk-in closet, its own private covered deck, and a nearby laundry room that keeps everyday life easy. Upstairs, two additional bedrooms -- each with dual closets -- share a well-appointed bath, giving guests or family their own private wing. Outside is where this property really sets itself apart. A 24-foot screened porch off the living room is practically a second living room, complete with a hanging rattan chair swing, and it opens onto a fenced backyard shaded by mature oaks and pines. The aerial view says it all: this lot backs up to a quiet, tree-lined waterway, giving you that rare mix of privacy, nature, and water access without leaving Freeport. This is a home that photographs beautifully because it lives beautifully -- a rare combination of thoughtful design, real craftsmanship, and a setting most buyers only dream about.

Highlights

Listed by Stephanie R Richardson , 850-687-9185 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.26

Year Built

2021

County

Walton

Area

12 - Walton County

Neighborhood

Emerald Shores

Listing ID

793584

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Air Cond:Central Air,Heat Pump
Fireplaces:Electric
Other:
  • Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot Dimensions:80 x 141.93
Roof:Metal
Others:
  • Additional:Porch
Principal Interest
$2,733
Taxes
$222

Home Price

$539,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$107,800
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:
$2,733.42

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,733.42 $222.18 $0.00 $2,955.60
Yearly $32,801.07 $2,666.11 $0.00 $35,467.18
Total $984,032.05 $79,983.30 $0.00 $1,064,015.35

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS