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About This Home

This 4-bedroom, 2-bathroom single family at 14 Cozy Cove in Freeport, FL is listed for $439,900 ($231 per sqft). Built in 2023, the home offers 1,908 sqft of living space on a 0.18 acres lot.

Agent Description

UNDER CONTRACT-ACCEPTING BACK UP! $5K SELLER INCENTIVE to use toward closing costs or interest rate buy-down! Welcome to 14 Cozy Cove, a private 4BR/2BA home in Hammock Bay, backing to a protected nature preserve with no rear neighbors. Features include an oversized quartz island, stainless appliances, walk-in pantry, shiplap accents, plantation shutters, hurricane protection, and network-ready rooms.

Relax on the screened porch and fenced backyard with storage shed. Enjoy resort-style amenities: pools, fitness center, courts, clubhouse, trails, and Windmills Town Center. Rare 30A opportunity--schedule a showing today! Why Buyers Will Love This Home A Kitchen Designed to Impress The heart of the home features: " An oversized quartz island perfec

t for entertaining " Stainless steel appliances " Massive walk-in pantry with custom wood shelving " Open-concept flow ideal for gatherings and everyday living Elevated Interior Finishes Thoughtful upgrades throughout include: " Stylish shiplap accents " Plantation shutters " Hurricane shutters for all windows " Abundant natural light " Spacious "S

tellar" floor plan with flexible living space " All rooms have network data connections Your Own Private Backyard Retreat Relax year-round on the screened porch and extended patio overlooking a peaceful preserve setting. The fully fenced backyard offers exceptional privacy rarely found in Hammock Bay, plus a matching storage shed for bikes, beach gear, and tools.

Resort-Style Living in Hammock Bay Living in Hammock Bay means access to premier amenities including: " Three resort-style pools " 8,000-square-foot fitness center open 24/7 " Pickleball & basketball courts " Creekside clubhouse " Putting green " Scenic walking and biking trails " The Windmills Town Center with theatre, pet park, and community even

ts Seller Offering $5,000 Toward Buyer Costs or Rate Buy-Down Take advantage of a financing incentive designed to help lower your monthly payment. The seller is offering $5,000 that buyers can apply toward: " Closing costs " Temporary interest rate buy-down " Permanent rate reduction (subject to lender approval) Example of Buyer Savings Using selle

r funds toward a temporary rate buy-down could potentially reduce a buyer's payment by several hundred dollars per month during the first year of ownership.* That means: " More purchasing power " Lower upfront cash requirements " Easier transition into homeownership The Opportunity Homes with preserve views, privacy, hurricane protection, network-r

eady interiors, and premium community amenities at this price point are becoming increasingly difficult to find near 30A. Schedule your private showing today and discover why 14 Cozy Cove stands out from the competition. *Buyer savings vary based on loan type, lender, credit profile, and market rates.

Key Features

  • Built in 2023
  • 0.18 acre lot
  • 4 parking spaces

Property Details

1 story
2 full
4 spaces
2023

Amenities

A/C

Monthly Cost Estimate

$2,773/mo

20% down · 6.5% · 30 years

Principal$318
Interest$1,906
Insurance$128
HOA$420

Estimates only. Actual payments may vary.

Location

14 Cozy Cove

Freeport, FL 32439

HAMMOCK BAY

Features & Amenities

Interior Features

Breakfast BarCeiling Crwn MoldingKitchen IslandPantryShelvingWasher/Dryer Hookup

Exterior Features

Rain GutterFenced Back YardYard Building

Property Details

Flooring

Tile

Construction

Brick Siding CmntFbrHrdBrd

Pool Features

PatioPorch

Heating

Central

Cooling

Central Air

Appliances

Auto Garage Door OpnDishwasherDisposalMicrowaveSmoke DetectorStove/Oven ElectricWater Heater - Elect

Questions & Answers

This 4-bedroom, 2-bathroom single family at 14 Cozy Cove is listed at $439,900 ($231/sqft). The estimated monthly payment is $2,326 based on 20% down at 6.5% interest.

HOA fees are $420/month.

Key features include: Built in 2023, 0.18 acre lot, 4 parking spaces. Interior Features: Breakfast Bar, Ceiling Crwn Molding, Kitchen Island. Exterior Features: Rain Gutter, Fenced Back Yard, Yard Building.

This property is listed by Anne T Winjum and can be reached at 8502599502 or anne@hammockbayfl.com.

AW

Anne T Winjum

Agent at Hammock Bay

(850) 259-9502

Listed by Hammock Bay · View on Broker Site

MLS# 996607· Source: listhub· Updated 91 days ago

Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

14 Cozy Cove, Freeport, FL 32439

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