PendingDetached Single Family▼ Price cut: $20,000 (10/27)
$762,200
3-Bedroom Pool Home in PLANTATION OAKS OF MARY ESTHER S/D
16 Plantation Oaks Drive, Mary Esther, FL 32569
Detached Single Family in PLANTATION OAKS OF MARY ESTHER S/D
PLANTATION OAKS OF MARY ESTHER S/D · Mary Esther, FL 32569 · Okaloosa County
Listing data checked against the MLS November 13, 2026 at 8:25 PM ET · rechecked hourly
Listed by Coldwell Banker Realty (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2.5Bathrooms
2013Year Built
Private pool2-car garageFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Zone X
Flood risk
Minimal hazard per FEMA; ~17 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
16 Plantation Oaks Drive in Plantation Oaks Of Mary Esther S/D, Mary Esther is listed at $762,200. It has been listed Dec 5, 2025. Listing facts: built in 2013, a private pool, HOA dues of $83/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 2013 · 13 yrs
2-car garage
listed Dec 5, 2025
HOA $83/mo (per listing)
Listing description
About this home
Welcome to coastal living at its finest. Tucked away at the end of a picturesque cul-de-sac draped with centuries-old live oaks, this 2,531 sq ft all-brick home in the sought-after Plantation Oaks community embodies what life along the Gulf Coast is all about--relaxation, beauty, and effortless entertaining. Built in 2013 and meticulously maintained, this 3-bedroom, 2.5-bath home also offers a loft and dedicated office space.
Its thoughtful layout was designed with gathering in mind: the living room, kitchen, and primary suite all overlook the serene backyard, where a sparkling pool and brand-new enclosure set the stage for unforgettable moments. The primary suite is a true retreat, featuring a spacious en-suite with a whirlpool tub, separate shower, double vanities, and private toilet room. Step directly from your sanctuary onto the pavered patio that wraps around the pool, complete with a built-in fire pit and a stand-alone hot tub and spa-your own private resort after a day on the water.
Inside, the kitchen is a chef's delight with a commercial-grade side-by-side refrigerator and freezer, double ovens, gas cooktop, walk-in pantry, granite countertops, and a generous island. Upstairs, guests will love the bar area with mini-fridge and the large balcony offering peaceful water views. This home is truly move-in ready, boasting upgrades such as two newer HVAC systems (2021), a tankless water heater, whole-house water filtration, custom closets, lush landscaping with Bluetooth-controlled lighting, newly refinished pool, and natural gas features including lanterns and a cozy fireplace.
Ceiling speakers run throughout for seamless entertaining. Storage is abundant with a spacious two-car garage (with two garage doors), ample attic space, and a stand-alone backyard shed. As a resident of Plantation Oaks, you'll enjoy deeded water access with a neighborhood lookout offering tranquil views of the Intracoastal Waterway and Santa Rosa Sound a perfect spot to watch the cotton-candy Gulf Coast sunsets or let your dogs splash in the water.
All of this is just minutes from the sugar-white sands of Okaloosa Island, shopping, dining, Hurlburt Field, Eglin AFB, and a short drive to Destin.
All 71 photos
Description provided by Coldwell Banker Realty and reproduced from the MLS; not independently verified.
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for PLANTATION OAKS OF MARY ESTHER S/D. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$762,200
Bed / bath3 / 2.5
Year built2013
Property typeDetached Single Family
Garage2-car
PoolYes
MLS #990612
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~17 ft
CountyOkaloosa
Area listings1 active · 0 under contract
Estimated first-year tax~$8,003/yr
CDD assessmentNone on record
HOA$83/mo
Calculated estimates
Estimated monthly payment$5,150
Insurance (illustrative)$2k–$4k/yr
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$5,150/mo
Principal & interest $4,131/mo80%
Taxes $667/mo13%
Insurance $269/mo5%
HOA $83/mo2%
$5,150/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
What it really costs to own 16 Plantation Oaks Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
HOA dues
$83/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Okaloosa County is $2,644/yr (1,101 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,500–$4,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2013. An original roof is about 13 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$8,003/yr
Estimate: a typical Okaloosa effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$83/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~17 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Okaloosa County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Okaloosa County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Moderate
Winter weatherRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
2013BuiltPer public record
About Dec 2025Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Dec 5, 2025)
Aug 4, 2026First seen on our siteObserved at $782,300
Aug 25, 2026Price cut$782,200 (-$100, -0.0%)
Oct 27, 2026Price cut$762,200 (-$20,000, -2.6%)
NowPendingSale pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $762,200Coldwell Banker Realty · listed Dec 5, 2025
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Research
The Momentum read
71% of homes in PLANTATION OAKS OF MARY ESTHER S/D are owner-occupied. An estimated 29% are non-owner-occupied, including 7% held in a company or trust and 29% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 13 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in PLANTATION OAKS OF MARY ESTHER S/D, no CDD assessment.
Checked against the MLS November 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Coldwell Banker Realty · MLS # 990612
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Keep looking
Similar homes for sale near PLANTATION OAKS OF MARY ESTHER S/D
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Retail Dining
7 Brew drive-thru coffee stand opens on Beal Parkway in Fort Walton Beach
The stand at 799 Beal Parkway opened Oct. 19 and is the chain's second in Fort Walton Beach. It is expected to add 75 local jobs, and an opening fundraiser raised $4,661 for an equine therapy nonprofit.
Why it matters: A new drive-thru option along Beal Parkway adds early-morning and late-night food and beverage access and about 75 jobs nearby. The project is about 17 miles south of Plantation Oaks Of Mary Esther S D, elsewhere in Okaloosa County.
Okaloosa County stabilizes 180 miles of dirt roads in north county
Okaloosa County has stabilized 180 miles of dirt roads using the voter-approved infrastructure surtax, more than triple the original goal of 50 miles in five years. The roads received a limerock base topped with chip-seal or hot-mix, and the county says only a handful of roads remain. The work is in north Okaloosa County.
Why it matters: Paved rural roads in north Okaloosa could improve year-round access and reduce road maintenance costs for areas near Crestview. The site is about 9 miles north of Plantation Oaks Of Mary Esther S D.
Okaloosa commissioners reject 12-month data center moratorium 3-2
Okaloosa County commissioners voted 3-2 on September 15 against a 12-month data center moratorium. On September 3 the board unanimously directed staff to develop a regulatory framework for data centers, with an outline due within 60 days. No specific project or site was proposed, and commissioners discussed protecting the Shoal River Industrial Park.
Why it matters: The pending rules will shape where large power-and-land-intensive facilities can locate in the county, including industrial land near Crestview. The site is about 5 miles northwest of Plantation Oaks Of Mary Esther S D.
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
Why it matters: Directs state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 11 miles south of Plantation Oaks Of Mary Esther S D.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Okaloosa County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEC
Mary EstherAssigned elementary school · Okaloosa County School District · Grade C (Florida DOE 2025-26)
BrunerAssigned middle school · Okaloosa County School District
GRADEB
Fort Walton BeachAssigned high school · Okaloosa County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 16 Plantation Oaks Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2013: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $83/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Okaloosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Confirm square footage and room dimensions independently.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $8,003/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Emerald Coast MLS, checked against the MLS hourly (last: November 13, 2026)
Comparable sales
Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 16 Plantation Oaks Drive and when was it built?
Per the listing record, 16 Plantation Oaks Drive was built in 2013 and has 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 16 Plantation Oaks Drive in?
16 Plantation Oaks Drive is in Plantation Oaks Of Mary Esther S/D in Mary Esther, Okaloosa County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 16 Plantation Oaks Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $83 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 16 Plantation Oaks Drive differ from the current owner's?
The estimate on this page (about $8,003 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 16 Plantation Oaks Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of Coldwell Banker Realty
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
