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Harrison Lilly Team

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

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246 Lottie Loop , Freeport, FL 32439
$459,900
Est. Payment: $2,540.88/mo
3 Bed
2 Bath
1806 Sqft
0.2 Acres
Status: Pending | Days on site: 3
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ECU2 - E29105,E32801,E28260
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Harrison Lilly Team
Owner/Operator

House Description

Your Hammock Bay home wish list just found an address, 246 Lottie Loop- Private pool? Check. Custom upgrades? Absolutely. Screened outdoor living? Yes. Move-in ready? NOW! This home has been thoughtfully upgraded with an impressive combination of custom finishes, major improvements and outdoor living. This 3-bedroom, 2-bath home in Central Park offers something buyers are always searching for a home that feels finished, established and ready to enjoy. The interior makes an immediate impression with double tray ceilings in the family room, extensive crown molding, tile-plank flooring throughout the main living areas, baths and utility room, and fresh interior paint completed in 2026. The kitchen features granite countertops, stainless steel Frigidaire microwave, gas range and dishwasher, brushed-nickel plumbing fixtures. One of the home's standout additions is a custom entertaining and serving area that brings warmth and personality to the living space. White cabinetry is paired with a rich wood countertop, beverage cooler, vertical accent wall and substantial natural-wood open shelving, creating a beautiful destination for entertaining, displaying favorite pieces or simply adding valuable storage and function. This is the kind of custom feature that gives the home character you won't find in a typical builder package. The spacious primary suite is another highlight, featuring a large sitting area, double tray ceiling, custom closet organization Then step outside, because this backyard deserves its own introduction. A custom in-ground swimming pool transforms the privacy-fenced yard into a private Florida retreat. The screened lanai creates an inviting transition from indoor to outdoor living and a comfortable place to relax, dine or entertain overlooking the pool. Front and rear porches received professional epoxy flooring, portions of the landscaping were recently re-sodded, and the privacy fence was professionally re-stained in 2025. The list of meaningful improvements continues with a whole-house water softener and filtration system with reverse osmosis, Rhino Shield ceramic coating on the front exterior, three-sided brick construction, gas hot water heater, gas stub for outdoor grilling, decorative storm door and additional exterior enhancements. These aren't simply cosmetic touches--they represent years of investment into the functionality, enjoyment and presentation of the property. And then there is Hammock Bay living. Enjoy an amenity-rich community designed around recreation and connection, with multiple clubhouses, resort-style pools, fitness facilities, pickleball, tennis and basketball courts, miles of walking and biking trails, playgrounds, dog parks, community gathering spaces, the General Store, Town Green and more. It's a community where an afternoon at the pool, a workout, a game of pickleball or meeting friends at a neighborhood event can all be just a golf-cart ride away. The upgrades have been made. The pool is ready. The interior is fresh. The lifestyle is already here. All that's missing is you.

Highlights

Listed by Beverly J Buck , 850-333-0413 and Michelle E Thierwechter , 850-333-6239 Coldwell Banker Realty , 850-650-4563. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.2

HOA Fee

Year Built

2018

County

Walton

Area

20 - Freeport

Neighborhood

Hammock Bay

Listing ID

1013208

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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, Refrigerator, Smoke Detector, Stove/Oven Electric, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Gas
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet,Floor WW Carpet New
Other:
  • ▪ Additional:Ceiling Crwn Molding, Ceiling Tray/Cofferd, Ceiling Vaulted, Lighting Recessed, Newly Painted, Pantry, Shelving, Split Bedroom, Woodwork Painted

Exterior Features

Lot:Curb & Gutter,Interior,Level,Sidewalk,Survey Available
Lot Dimensions:126x69x126x69
Zoning:City, Deed Restrictions, Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Fenced Back Yard, Pool - Gunite Concrt, Sprinkler System, Patio Covered, Porch Screened
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$2,541
Taxes
$277
HOA
$0

Home Price

$459,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$91,980
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:
$2,540.88

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,540.88 $277.37 $0.00 $2,818.25
Yearly $30,490.58 $3,328.45 $0.00 $33,819.03
Total $914,717.25 $99,853.50 $0.00 $1,014,570.75

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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