6 bedroom Detached Single Family at 35 Warwick Drive, Poquito Bayou, Shalimar — photo 1Front elevation
6 bedroom Detached Single Family at 35 Warwick Drive, Poquito Bayou, Shalimar — photo 2Living space
6 bedroom Detached Single Family at 35 Warwick Drive, Poquito Bayou, Shalimar — photo 3Kitchen
6 bedroom Detached Single Family at 35 Warwick Drive, Poquito Bayou, Shalimar — photo 4Owner's suite
6 bedroom Detached Single Family at 35 Warwick Drive, Poquito Bayou, Shalimar — photo 5Exterior / yardView all 99 photos →
19 days on market Detached Single Family
$1,899,900
6-Bedroom Detached Single Family in Poquito Bayou

35 Warwick Drive, Shalimar, FL 32579

Detached Single Family in Poquito Bayou, Shalimar · No CDD
Poquito Bayou · Shalimar, FL 32579 · Okaloosa
Listing data updated July 26, 2026 · refreshed twice daily
6Bedrooms
5Bathrooms
1979Year Built
Waterfront3-car garageNo CDDFEMA Zone X6 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
Buyer leverage
Seller-leaning
19 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$8k–$18k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • No CDD assessment on record
  • Built 1979 · 47 yrs
  • 3-car garage
  • 19 days on market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 1979BuiltPer public record
  • NowActiveCurrently for sale

Build year is from public record. Listing 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.

Financing

Estimated monthly payment

$12,370/mo
  • Principal & interest $9,627/mo 78%
  • Taxes $1,662/mo 13%
  • Insurance $1,031/mo 8%
  • HOA $50/mo 0%

$12,370/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

62/100
Strongest on: Buyer competition (100), Flood safety (95)
0 limited50100 exceptional

62/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Affordability0
List price $1,899,900 vs the community median $500,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost54
From FEMA Zone X and a 1979 build. Obtain a property-specific quote.
Market liquidity78
Community median 27 days on market (12-month record).
Buyer competition100
0% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power48
Recent sales closed at about 98.4% of original asking (~1.6% below). More room below asking generally favors buyers.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

80% of homes in POQUITO BAYOU are owner-occupied. An estimated 20% are non-owner-occupied, including 16% held in a company or trust and 6% 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), 459 homes matched. Community-level context.

Recent POQUITO BAYOU sales closed near 98.4% of original asking. Cash paid for about 0% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending July 25, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 2 active listings in POQUITO BAYOU, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated July 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

WATERFRONT HOME with BREATHTAKING SUNSETS!!!! Come view this Beautiful 5 bedroom, 4-full, 2-1/2 baths home with a personal office or gym room. Don't forget the detached 3 car garage with 1 bedroom and half bath above.

Perfect for a college student or a media room. This home was made for entertaining and the avid boater. Enjoy 3 boats lifts.

The 3rd lift was added in 2024 (20,0000) lb. lift. In July.

2026 the 4x37 access to pier and 48x36 covered boathouse with 2 slips and interior catwalks, upper deck and covered deck with boathouse were sealed with 10-year Valspar stain & sealer. In 2023, all new ceiling fans, new light fixtures, toilets, sinks, countertops and vanities in bathrooms, bathroom mirrors, remodeled shower in master, ceilings scraped throughout and painted, shiplap added in master bedroom, master bathroom, other bathrooms, ''new hardware and faucet in the kitchen, master shower, guest shower, doors, sinks. Other upgrades in 2023, the home received all new Interior and Exterior paint, new upper cabinets in 2 of the bathrooms, tile flooring in the lower hallway.

2 baths and laundry room. A metal roof was installed on the home in 2012. In 2016 the kitchen was remodeled and more updates added in 2023.

In 2016 new roof was installed on the detached garage, 2017 electrical wiring and gas were installed with a whole house generator. Updates and controllers were added to the generator in 2022. In 2019 11 windows in back of the home were replaced with high impac glass.

The kitchen and den open up through French doors to a 23x40 covered back porch. Whether you're having a cup of coffee or ending the day with a glass of wine, this is a perfect setting! There's an extended gas grill in place for all your cookouts and the area is large enough for several sets of patio furniture.

If you decide to take the party to the docks, you'll enjoy the beach area for everyone to play, float and put the paddle boards or kayaks in the water. Enjoy two separate decks with some covered area by the boat house for those who would like to be on the water, but need some shade. Don't worry about storage for all the floats.

The boat house is big enough to store your fishing gear, crab traps, floats and enjoy a quick shower before coming back up to the house. The outside shower is located up on the deck next to the boathouse. Everything is covered!

Don't forget about all the dolphins that you'll get to see along with all the other marine life. This is a Very Special property in a very sought out area in Poquito Bayou. Minutes away from Eglin, and Special forces.

It sits further back in the bayou yet minutes away from Crab Island, shopping and restaurants by boat. Upkeep of the yard is made easy with the updated sprinkler system in 2023. Call today for a viewing!

Description provided by LPT Realty LLC and reproduced from the MLS; not independently verified.

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$1,899,900
Bed / bath6 / 5
Year built1979
Property typeDetached Single Family
Garage3-car
MLS #1007068
Listing status19 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyOkaloosa
Area listings2 active · 1 under contract
Estimated first-year tax~$19,949/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Estimated monthly payment$12,370
Insurance (illustrative)$8k–$18k/yr
Comparable-sales median$500,000

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
Listing courtesy of LPT Realty LLC · Listing agent: Angela E Gainer · flbrokers@lptrealty.comProvided via the Emerald Coast Association of REALTORS® Internet Data Exchange · Source: Emerald Coast Association of REALTORS® · © 2026 Emerald Coast Association of REALTORS®, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Keep looking

Similar homes for sale near Poquito Bayou

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.

Transparency

Price & listing history

Listed for $1,899,900Momentum Realty · on market 19 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
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.)
~$19,949/yr

A rough first-year estimate only, applying a typical Okaloosa rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$8k–$18k/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
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

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
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Market data · public records

Recent sales activity in Poquito Bayou

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Poquito Bayou neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$500,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$0

Canonical 12-month median $/sq ft. Reference only.

Go deeper on Poquito Bayou

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.

Assigned schools

Assigned schools

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
ShalimarAssigned elementary school · Okaloosa County School District · Grade C (Florida DOE 2025-26)
MeigsAssigned middle school · Okaloosa County School District
GRADEC
ChoctawhatcheeAssigned high school · Okaloosa County School District · Grade C (Florida DOE 2025-26)
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$8,708 – $12,666/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$3,931 – −$369At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: July 26, 2026)
Community market statsrealMLS closed sales, as of July 25, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS 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

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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.

Ready when you are

See 35 Warwick Drive in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

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 a typical county millage rate to the list price 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.

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 and we will review and correct or remove it promptly.

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.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Emerald Coast Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast Association of REALTORS®, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.