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520 Whispering Creek Avenue, Freeport, FL 32439 (MLS# 1009883)

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.