Assumable VA loan available to anyone at an exceptional 2.35% interest rate for qualified buyers (468,044 balance through M&T Bank). Plus, the seller is offering $5,000 toward buyer closing costs or concessions--creating a rare financial opportunity in today's market. Located in the highly sought-after Hammock Bay community, this beautifully maintained Truland-built home offers exceptional craftsmanship, thoughtful upgrades, and a highly functional open-concept design ideal for both everyday living and entertaining.Featuring 4 bedrooms (master on the 1st floor), 3 bathrooms, and spacious living areas, this home showcases quality details throughout, including tray ceilings, upgraded hardwood flooring and fixtures, and a seamless layout designed for comfort and style. The chef-ready kitchen serves as the heart of the home with upgraded features: quartz countertops, backsplash, induction stove, under-cabinet lighting, a generous workspace, all opening effortlessly to the main living and dining areas. The downstairs guest bath has been enhanced with an upgraded walk-in shower, adding comfort and convenience for guests or multigenerational living. Built with durable brick and cement exterior construction, this home also offers valuable owner upgrades that elevate both function and long-term value, including a professionally installed generator, custom epoxy garage flooring, built-in cabinetry, and hanging storage systems. Outdoor living is equally inviting with a screened porch, private fenced backyard, enhanced landscaping, and paver accents that create a polished setting for relaxing or entertaining. Set within Hammock Bay -- a 3,000+ acre master-planned community surrounded by preserved wetlands and green space -- residents enjoy resort-style amenities including pools, a clubhouse, fitness center, sports courts, miles of walking and biking trails, and a vibrant Town Center, all just a short drive to the Emerald Coast's white-sand beaches. This move-in ready home offers the perfect combination of quality construction, meaningful upgrades, financial advantage, and lifestyle-driven living in one of Freeport's most desirable communities.

Listing courtesy of Heather T Curry of Real Broker LLC



Listing information is provided by Participants of the Emerald Coast Association of Realtors MLS. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2026, Emerald Coast Association of Realtors MLS.
Last checked: 2026-03-13 09:21 AM UTC