Bel-Air S/D
Homes for Sale in Fort Walton Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, Bel-Air S/D in Fort Walton Beach, FL has 1 home for sale. Over the 12 months ending 2026-09-12, 3 recorded sales closed at a median of $316,000, a median 16 days on market, sellers accepting 98% of original asking. Homes listed or recently sold were built 1955–1970. At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,070 ($3,570 with the full homestead exemption).
Bel-Air is an established Fort Walton Beach subdivision where the housing stock, not amenities or new construction, sets the price. With a median build year of 1959 and homes dating back to 1954, condition and updates drive value more than square footage; the median footprint sits around 1,430 sq ft, so what you pay reflects how much of the original house has been reworked.
The current posture is thin and quick. One active listing against a median 16 days on market tells you inventory clears fast when it is priced right. For sellers, that is leverage on a well-prepped home; for buyers, it means you move on the right listing without dawdling, and you underwrite condition carefully at a $316,000 median.
Bel-Air S/D right now
🟡 Balanced market. 4.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Emerald Coast MLS records, as of September 12, 2026. Confidence: Low (1 active and pending listings, 3 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Bel-Air S/D market snapshot (as of September 12, 2026): the median sale price is about $316K, a median 16 days on market for closed sales, and 4.0 months of supply, a balanced market.
Bel-Air S/D is a community of 155 homes in Fort Walton Beach, Okaloosa County, built between 1955 and 2020 (median 1959), with a median living area of about 1,430 square feet. 67% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
A 439-home subdivision of mostly mid-century Fort Walton Beach houses, Bel-Air trades on renovation quality rather than size or shared amenities, and inventory here is scarce enough that listings tend to move quickly.
The setting & the homes.
Aerial and on-site photos of Bel-Air S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Bel-Air S/D
Bel-Air S/D
Bel-Air S/D
Bel-Air S/DPhotos from Emerald Coast MLS listings in Bel-Air S/D; content deemed reliable but not guaranteed.
Who Bel-Air S/D is best for.
Best for
- Buyers targeting a mid-$300s median who value an established location over new build
- Renovation-minded buyers comfortable pricing and improving a mid-century house
- Owner-occupants who want a stable, largely homesteaded street
Probably not for
- Buyers who want turnkey new construction and modern floor plans
- Anyone needing community amenities like a pool, gate, or clubhouse
- Shoppers who want a deep, patient search — inventory here is scarce and moves fast
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($316K) IS the median in the snapshot above.
Windows contain 1 to 7 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Okaloosa County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Okaloosa County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
BEL-AIR S/D Market Scorecard
BEL-AIR S/D is currently a balanced market. About 4.0 months of supply, a median asking price of $225,000, and homes go under contract in about 22 days.
Typical home value in the 32548 ZIP is $341,402, about 7.2% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in BEL-AIR S/D, Fort Walton Beach
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Bel-Air S/D
Live MLS inventory for Bel-Air S/D. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Bel-Air S/D listings as of 2026-09-12, priced high to low. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Bel-Air S/D on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Edwins · Elementary
- Bruner · Middle
- Fort Walton Beach · High
Zoned schools reflect the assignments reported on recent Bel-Air S/D listings and can change; always confirm with Okaloosa County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Bel-Air S/D address.
The Bel-Air S/D buying strategy.
If we were buying in Bel-Air S/D today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Bel-Air S/D.
A condition-driven mid-century pocket
The defining fact of Bel-Air is age spread. Homes span 1954 to 2020, but the median year built is 1959, so the bulk of the neighborhood is genuinely mid-century. That creates a wide, condition-driven price spread: two houses of similar size can sell far apart depending on roof, systems, kitchens, and whether prior owners modernized. Treat the $316,000 median as a midpoint, not a menu — the number under it or over it is about what has been done to the house.
No community amenities were identified from current MLS listings, so you are buying the house and the location, not a pool or gate. Roughly two-thirds of homes carry a homestead exemption, which points to a stable, largely owner-occupied fabric rather than a heavy rental-turnover street. With one home active and a 16-day median time to contract, the practical challenge is availability, not marketability.
The location and the amenities are priced into every listing in Bel-Air S/D. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Bel-Air S/D buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (7.1). Basis: Liquidity & Demand 4.0 months of supply; Owner Commitment 67% owner-occupied; Pricing Power 97.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a subdivision this old and this thin on inventory, the entire negotiation turns on reading condition correctly and moving fast. We know how to price a renovated Bel-Air house against an original one, how to underwrite roof and systems risk on a 1950s build, and how to have you ready to write when the next listing hits a market that clears in about two weeks.
Bel-Air S/D in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Bel-Air S/D buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Bel-Air S/D sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bel-Air S/D, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bel-Air S/D home worth?
Get a no-obligation home value based on real comparable sales in Bel-Air S/D, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Fort Walton Beach →
Frequently Asked Questions
What is the median home price in Bel-Air S/D?
How long do homes in Bel-Air S/D take to sell?
Is Bel-Air S/D a buyer's or seller's market right now?
How many homes are in Bel-Air S/D?
What share of Bel-Air S/D is owner-occupied?
When were the homes in Bel-Air S/D built?
Who is the best real estate agent for Bel-Air S/D?
How do I find a top Fort Walton Beach real estate agent who knows Bel-Air S/D?
Can Momentum Realty connect me with an agent for Bel-Air S/D?
Should you buy in Bel-Air S/D?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Bel-Air S/D with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32548)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 1994 (83 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Emerald Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how BEL-AIR S/D fits the bigger picture — live prices, inventory, and Momentum Scores: