Waterford Estates S/D
Homes for Sale in Mary Esther, FL
All 71 homes for sale in Mary Esther, FL · median $324,900 · 79 homes for sale in 32569 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
As of September 2026, Waterford Estates S/D in Mary Esther, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 9 recorded sales closed at a median of $345,000, a median 38 days on market, sellers accepting 99% of original asking (+2% versus the prior year). Homes listed or recently sold were built 1999–2002; 1 of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,450 ($3,940 with the full homestead exemption).
| Location | Mary Esther, Okaloosa County, FL · ZIP 32569 |
|---|---|
| Homes in the community | 110 (FL DOR 2025 assessment roll) |
| Years built | 1998–2002 (median 2000.0) |
| Typical living area | 1,838 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Sale prices, last 12 months | $345,000 median across 9 closed sales · +2.3% vs the prior 12 months |
| Days on market (closed sales) | 38 median |
| For sale right now | 2 active, 0 pending · median asking $362,500 · 2.7 months of supply |
| Owner-occupied (homestead) share | 59% |
Data as of September 20, 2026. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “WATERFORD ESTATES S/D key facts,” movewithmomentum.com/neighborhoods/waterford-estates-s-d, data as of September 20, 2026.
Last 30 days in Waterford Estates S/D: 1 closed sale (median $345,000). As of September 26, 2026, Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate.
Price here is driven by condition and vintage, not by amenities or a view premium. With homes built across a span from 1980 to 2023 and a median build year of 2000, what you pay tracks closely to how much updating a given house has already absorbed. The median sits at $345,000, and expect a wide spread around it depending on renovation status.
Market posture is moderate. A median of 37 days on market and a heat score of 42 point to a market that neither favors buyers nor sellers outright. With only 4 active listings against 8 recent closings, inventory is thin, so a well-prepped listing moves, and a buyer should be ready to act on the right house without expecting deep discounts.
Waterford Estates S/D right now
🔴 Seller-leaning market. 2.7 months of supply and 0% of the inventory already under contract give sellers the pressure advantage.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 20, 2026. Confidence: Medium (2 active and pending listings, 9 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($345K) is up 2.3% from the prior 12 months ($337K). With about 7 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Emerald Coast MLS closed sales, 12-month windows ending September 20. Confidence: Low (9 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 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
Waterford Estates S/D market snapshot (as of September 20, 2026): the median sale price is about $345K, a median 38 days on market for closed sales, and 2.7 months of supply, a seller-leaning market. The trailing-12-month median is up 2% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (9 closings in the current window).
In ZIP 32569 (Mary Esther), 304 homes closed in the last 12 months at a median of $325K ($218/sq ft), up 0.1% year over year, with a median 51 days on market. Right now 77 active and 41 pending listings put supply at about 3.9 months — a balanced market. See the live ZIP 32569 housing market and the Okaloosa County market.
County records show 10 qualified sales in WATERFORD ESTATES S/D across 2024–2025 (7 in 2024, 3 in 2025), median $340,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Waterford Estates S/D is a community of 110 homes in Mary Esther, Okaloosa County, built between 1998 and 2002 (median 2000.0), with a median living area of about 1,838 square feet. 59% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Waterford Estates is an established subdivision of 169 homes in Mary Esther, with a build range wide enough that two houses on the same street can be two decades apart. The high owner-occupancy share signals a stable, lived-in community rather than an investor-heavy one.
The setting & the homes.
Aerial and on-site photos of Waterford Estates S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Waterford Estates S/DPhotos from Emerald Coast MLS listings in Waterford Estates S/D; content deemed reliable but not guaranteed.
Who Waterford Estates S/D is best for.
Best for
- Buyers targeting a mid-sized home near the $345,000 median who will vet condition carefully
- Owner-occupants who value a stable, established subdivision over new construction uniformity
- Buyers ready to act quickly given limited active inventory
Probably not for
- Buyers who require community amenities like a pool or clubhouse
- Buyers wanting uniform, same-era new construction rather than a mixed-vintage street
- Buyers seeking deep discounts or a heavy buyer's-market negotiating edge
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($345K) IS the median in the snapshot above, and the move from 2025 ($337K) IS the +2.3% one-year change.
Windows contain 2 to 11 sales each (9 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.
29% of homes for sale in ZIP 32569 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-27).
WATERFORD ESTATES S/D Market Scorecard
WATERFORD ESTATES S/D is currently a seller's market. About 2.7 months of supply, a median asking price of $362,500, and homes go under contract in about 84 days.
Typical home value in the 32569 ZIP is $318,627, about 12.9% below 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 WATERFORD ESTATES S/D, Mary Esther
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 Waterford Estates S/D
Live MLS inventory for Waterford Estates 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 Waterford Estates S/D listings as of 2026-09-26, 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.
Every Home for Sale in Waterford Estates S D Right Now (2)
All 2 active and pending Waterford Estates S D listings with a detail page, newest first, refreshed twice a day from the MLS.
- 398 Pristine Water Lane · $335,000 · 3 bd / 2 ba · listed Aug 29, 2026 · listed by Anchor Realty Florida
- 432 Pristine Water Lane · $390,000 · 3 bd / 2 ba · listed Aug 10, 2026 · listed by Gettinger Realty Group
Waterford Estates 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
- Florosa · Elementary
- Bruner · Middle
- Fort Walton Beach · High
Zoned schools reflect the assignments reported on recent Waterford Estates 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 Waterford Estates S/D address.
Shop the zone: Homes zoned for Fort Walton Beach High School
The Waterford Estates S/D buying strategy.
If we were buying in Waterford Estates 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 Waterford Estates S/D.
Condition is the variable
With a median year built around 2000 and a range reaching back to 1980, the housing stock varies meaningfully. A median living area near 1,912 square feet gives you a practical, mid-sized footprint, but the real differentiator between two listings will be roof, systems, and interior updates. Read each home on its own merits.
Owner-occupancy runs about 63 percent, which tends to correlate with maintained homes and fewer rapid turnovers. Year-over-year values are up 4.7 percent, a measured pace that reflects the market rather than any single project or catalyst. No community amenities were identified from current MLS listings, so value here rests on the homes and the location, not shared facilities.
The location and the amenities are priced into every listing in Waterford Estates 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 Waterford Estates 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 4 factors (7.2). Basis: Recent Direction +2.3% year-over-year; Liquidity & Demand 2.7 months of supply; Owner Commitment 59% owner-occupied; Pricing Power 98.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a subdivision where price is dictated by condition and vintage, the work is in reading each house accurately and pricing against comparable updates rather than a headline median. With inventory this thin, we help buyers move decisively on the right home and help sellers prep so their listing clears at the top of what its condition supports.
Waterford Estates 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 Waterford Estates 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 Waterford Estates 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 Waterford Estates 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 Waterford Estates S/D home worth?
Get a no-obligation home value based on real comparable sales in Waterford Estates 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.
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Recently off market in WATERFORD ESTATES S/D
Homes in WATERFORD ESTATES S/D that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 3 on record.
- 415 Pristine Water Lane · off market
- 422 Pristine Water Lane · off market
- 623 Parish Boulevard · off market
Frequently Asked Questions
What is the median home price in Waterford Estates S/D?
How long do homes in Waterford Estates S/D take to sell?
Is Waterford Estates S/D a buyer's or seller's market right now?
How many homes are in Waterford Estates S/D?
What share of Waterford Estates S/D is owner-occupied?
When were the homes in Waterford Estates S/D built?
Who is the best real estate agent for Waterford Estates S/D?
How do I find a top Mary Esther real estate agent who knows Waterford Estates S/D?
Can Momentum Realty connect me with an agent for Waterford Estates S/D?
Where is Waterford Estates S/D, and what county is it in?
Is Waterford Estates S/D a good place to live?
Should you buy in Waterford Estates S/D?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32569)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1998 (205 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 WATERFORD ESTATES S/D fits the bigger picture — live prices, inventory, and Momentum Scores:
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