520 Whispering Creek Avenue, Freeport, FL 32439
$349,990
Property Type:
Residential
Bedrooms:
4
Baths:
2
Square Footage:
1,789
Lot Size (sq. ft.):
27,007
Status:
Active
Current Price:
$349,990
List Date:
8/14/2026
Last Modified:
8/24/2026
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.
Supplements: 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.
More Information MLS# 1009883
General Property Info
userdefined76: 0
Sub-Type: Detached Single Family
Design: Craftsman Style
SqFt Source: County PA Records
Garage: Yes
Carport: No
Pool: No
Pool Type: None
Apx SqFt(Htd/Cooled): 1789
Bedrooms: 4
Full Baths: 2
Total Bathrooms: 2
# Stories: 1
Year Built: 2021
Acreage: 0.62
Contract Info
Listing Board: Emerald Coast
List Price/SqFt: 195.63
List Date: 2026-08-14
Current Price: $349,990
List Price: $349,990
Location, Tax and Legal
Sub Area: 2006 - N. of 20 to Hwy 331
Elementary School: Freeport
Middle School: Freeport
High School: Freeport
Legal Description: Lot 1 Blk C Cross Creek Ests Ph 1 Pb 18-74 Or 3179-2913 Or 3233-156 Or 3332-322
Listing Info, Tax & Legal
Is Subject Leased: No
Assessment Fees: Yes
Assessment Amount: 265
Annual Assessment Amount: 1060
Assessment Paid: Quarterly
New Buyer Fee: Yes
New Buyer Fee Amt: 100
New Buyer Fee Paid: $
Last Taxes: 3196.58
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Remarks & Misc
Remarks: 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.
Construction Status
Construction Complete: 1
Parking Features
Garage Attached: 1
Lot/Parcel Access
Paved Road: 1
Project Facilities
Playground: 1
Pool: 1
Construction/Siding
Frame: 1
Roof Shingle/Shake: 1
Siding Brick Some: 1
Siding Vinyl: 1
Slab: 1
Utilities
Electric: 1
Public Sewer: 1
Public Water: 1
Zoning
Resid Single Family: 1
Interior
Floor Laminate: 1
Floor WW Carpet: 1
Appliances
Dishwasher: 1
Microwave: 1
Refrigerator: 1
Stove/Oven Electric: 1
Energy
AC - Central Elect: 1
Ceiling Fans: 1
Heat Cntrl Electric: 1
Water Heater - Elect: 1
Mstr Bdrm/Mstr Bath
MBath Double Vanity: 1
MBed Carpeted: 1
MBed Walk-in Closet: 1
Master Bedroom
First: 1
Bedroom
First: 1
Kitchen
First: 1
Living Room
First: 1
Rooms
Bedroom: 1
Kitchen: 1
Living Room: 1
Master Bedroom: 1
Fees Include
Accounting: 1
Management: 1
Status Change Info
Status: Active
Location Tax and Legal
Area: 20 - Freeport
Street #: 520
Street Name: Whispering Creek
Street Suffix: Avenue
State: FL
Zip Code: 32439
County: Walton
Project Name/Subdivision: CROSS CREEK
Parcel ID: 03-1S-19-23300-00C-0010
Property Features
Construction Status: Construction Complete
Zoning: Resid Single Family
Parking Features: Garage Attached
Project Facilities: Playground; Pool
Interior: Floor Laminate; Floor WW Carpet
Appliances: Dishwasher; Microwave; Refrigerator; Stove/Oven Electric
Utilities: Electric; Public Sewer; Public Water
Energy: AC - Central Elect; Ceiling Fans; Heat Cntrl Electric; Water Heater - Elect
Master Bedroom: First
Bedroom: First
Kitchen: First
Living Room: First
Rooms: Bedroom; Kitchen; Living Room; Master Bedroom
Fees Include: Accounting; Management
Room Information
Bedroom
Level: First
Dimensions: 12 x 11
Length: 12.00
Width: 11.00
Dimensions: 12 x 11
Bedroom
Level: First
Dimensions: 11 x 13
Length: 11.00
Width: 13.00
Dimensions: 11 x 13
Bedroom
Level: First
Dimensions: 13 x 10
Length: 13.00
Width: 10.00
Dimensions: 13 x 10
Master Bedroom
Level: First
Dimensions: 13 x 14
Length: 13.00
Width: 14.00
Dimensions: 13 x 14
Living Room
Level: First
Dimensions: 13 x 20
Length: 13.00
Width: 20.00
Dimensions: 13 x 20
Kitchen
Level: First
Dimensions: 11 x 14
Length: 11.00
Width: 14.00
Dimensions: 11 x 14
Listing Office:
Better Homes and Gardens Real Estate Coast Properties
Listing Agent:
Brooklyn N Chapman
Last Updated: August - 24 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.
