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Harrison Lilly Team

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

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44 Secluded Cir , Freeport, FL 32439
$525,000
Est. Payment: $2,900.55/mo
4 Bed
3 Bath
2304 Sqft
Status: Active | Days on site: 141
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EHAM - E6898
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 to this beautifully maintained single-story ranch style floorplan nestled on a large, wooded lot in the serene Hammock Oaks Estates of Freeport, Florida. With 4 bedrooms, 3 full bathrooms, and 2,304 sq. ft. of open-concept living space, this home offers comfort, style, and functionality for modern living. Enjoy a spacious 3-car garage, a fully fenced yard, and the privacy of backing up to majestic pines on a quiet cul-de-sac. Inside, the home boasts 40K in upgrades including built-in closets and cabinets, freshly painted interiors, upgraded light fixtures with added plugs, and a floored, double-insulated attic. The open floor plan seamlessly connects living spaces, making it perfect for entertaining or relaxing with family. Step outside to a backyard that offers endless possibilities to design your dream outdoor living area. Hammock Oaks Estates offers a tranquil setting just north of Choctawhatchee Bay, only 20 minutes from the breathtaking beaches of the Emerald Coast in Northwest Florida. This move-in ready home combines convenience, privacy, and charm - the perfect place to call home.
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Highlights

Listed by Gina M Walker , 850-543-4991 Hammock Bay , 850-835-7030. Emerald Coast Multiple Listing Services

Property Type

Residential

HOA Fee

Year Built

2021

County

Walton

Area

20 - Freeport

 Neighborhood

Hammock Oaks Estates

Listing ID

999949

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Refrigerator, Smoke Detector, Stove/Oven Electric, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Kitchen Island, Newly Painted, Pantry

Exterior Features

Lot:Wooded
Lot Dimensions:IRR
Zoning:Resid Single Family
Others:
  • ▪ Additional:Patio Covered
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$2,901
Taxes
$335
HOA
$0

Home Price

$525,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$105,000
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:
$2,900.55

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,900.55 $334.69 $0.00 $3,235.24
Yearly $34,806.59 $4,016.25 $0.00 $38,822.84
Total $1,044,197.78 $120,487.50 $0.00 $1,164,685.28

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: 2026-10-07T06:31:40.000Z

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