Buyer leverage
Seller-leaning
1 days on market
3.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$6k–$13k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 11 of 12
Price vs recent sales
Asking $1.40M tops 11 of the last 12 closed sales
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
Highlights
As of September 20, 2026, 45 Poquito Road in Poquito Bayou, Shalimar is listed at $1,399,000. That is 168% above Poquito Bayou's median closed sale of $521,500 over the last 12 months (12 recorded sales). It came to market within the past week. Listing facts: built in 1966, waterfront. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1966 · 60 yrs
- 4-car garage
- New to market
- HOA ~$50/mo (estimate; confirm)
Property timeline
This home’s history
- 1966BuiltPer public record
- Sep 20, 2026First trackedObserved at $1,399,000
- 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
Cost to own
Property taxes
✓ Based on certified county tax rollEstimated property taxes after purchase
$17,400/yr
≈ $1,450/mo·effective rate ~1.24%
Estimated from today’s asking price and current Okaloosa County tax rates.
⚠️Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $6,600/yr ($550/mo)
+$10,800 more each year
(+164%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes🔄
Home sellsResets the January after🧾
Buyer paysBased on purchase price$344,515
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Adjust for your exemptions, portability, and down payment
Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
39/100
Strongest on: Market liquidity (71), Pricing power (47)
0 limited50100 exceptional
39/100 is limited 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 $1,399,000 vs the community median $521,500. Not a measure of personal affordability.
Market liquidity71
Community median 27 days on market, ~3.0 months of supply (12-month record).
Pricing power47
Recent sales closed at about 98.5% of original asking (~1.5% 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
🟠 Seller-leaning conditions around this listing. 3.0 months of supply in the surrounding market and 1 days on market for this home, against a 27-day area median.Days on market:this home 1Area median: 27 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of September 20, 2026.
78% of homes in POQUITO BAYOU are owner-occupied. An estimated 22% are non-owner-occupied, including 17% 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), 334 homes matched. Community-level context.
Recent POQUITO BAYOU sales closed near 98.5% of original asking.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 Emerald Coast MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in POQUITO BAYOU, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 20, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Nestled along the tranquil waters of Poquito Bayou, this waterfront home offers an unparalleled experience. With its deep water, dock, boat lift, and boathouse, it provides a serene escape from the hustle and bustle of everyday life. This charming four-bedroom, three-bathroom brick home boasts breathtaking views from every common area, including the primary bedroom.
The bayou views are among the most picturesque in Northwest Florida, offering abundant wildlife and a sense of tranquility. Imagine waking up to the sight of dolphins gracefully escaping the busy traffic of Choctawhatchee Bay, training their young, and swimming in peace. Indulge in leisurely meals with the catch of the day, such as flounder and redfish, that swim right to your dock.
For those seeking a private beach, this home offers a backyard oasis with its own personal beach and swimming hole. Upon arrival, you will be greeted by a meticulously maintained lawn adorned with several majestic oak trees. The two-thirds-acre lot is fully fenced, providing a sense of security and privacy.
A 20x10 shed offers ample storage, while a walk-in pump house ensures efficient irrigation. The home is one level with a walkout basement that offers the family entertainment room and a possible bedroom. The four-car garage, with its generous space for a workshop, sets this property apart from others.
The home's elevation provides peace of mind and security, offering a stunning vantage point for enjoying the surrounding views. Throughout the home, impact windows and sliding glass doors exude a modern aesthetic, while the original 2008 remodel adds character and charm. Recent updates include, a refreshed front door in 2021, a renovated pump house in 2021, pavers on the patio in 2023, a circuit breaker panel in 2026, a redecked dock in 2025, a refrigerator in 2024, a dishwasher in 2026, a 5-ton HVAC system in 2021, and a 2-ton HVAC system in 2009.
Metal roof was installed 2009 and has held up very well. The home has been meticulously maintained over the years, reflecting the dedication of its owners. Numerous additional projects undertaken by the seller have further enhanced its value.
Description provided by The Beach Group Properties 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$1,399,000
Bed / bath4 / 3
Year built1966
Property typeDetached Single Family
Garage4-car
MLS #1012231
Listing statusNew — 1 day on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyOkaloosa
Area listings3 active · 2 under contract
Estimated first-year tax~$14,690/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Estimated monthly payment$9,442
Insurance (illustrative)$6k–$13k/yr
Comparable-sales median$521,500
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 The Beach Group Properties LLC · Listing agent: John J Lavin · andy@thebeachgroup.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.
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Newest listings in Shalimar
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Recently off market in POQUITO BAYOU
Transparency
Price & listing history
Listed for $1,399,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$14,690/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)
$6k–$13k/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 zone not verified for this address — check msc.fema.gov and confirm coverage. 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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 45 Poquito Road?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by The Beach Group Properties LLC · MLS # 1012231
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
$521,500
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.
In the area
Recent Poquito Bayou news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Civic
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 12 miles southeast of Poquito Bayou.
Get The Coast
May 2026 · Development
Okaloosa commissioners approve master plan for 392-lot River Park subdivision in Crestview
Okaloosa County commissioners unanimously approved the master plan for River Park, a 392 lot single family subdivision on 263 acres east of Main Drive and north of Airport Road in Crestview. The project by River Park Landing LLC will be built in three phases, with each phase requiring a separate development order approval.
Why it matters: Adds substantial single family housing supply to the Crestview market and phases new residential construction onto a large tract in north Okaloosa County. The project is about 8 miles northeast of Poquito Bayou, elsewhere in Okaloosa County.
Get The Coast
May 2026 · Infrastructure
Okaloosa County opens $212M Southwest Crestview Bypass
Okaloosa County opened the $212 million Southwest Crestview Bypass, a 3.5 mile four lane corridor connecting Antioch Road to State Road 85 with access from U.S. Highway 90. The project includes a 1,713 foot bridge, sidewalks, a multi use path, and direct access to the new Pineview K-8 school opening in August 2026.
Why it matters: Adds a major four lane traffic corridor serving southwest Crestview and expands regional road capacity for surrounding growth in north Okaloosa County. The site is about 3 miles north of Poquito Bayou.
Get The Coast
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)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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$6,412 – $9,327/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−$3,208 – −$584At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 45 Poquito Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1966 (60 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- 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 $14,690/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Provenance
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed twice daily (last: September 20, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 45 Poquito Road and when was it built?
Per the listing record, 45 Poquito Road was built in 1966 and has 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 45 Poquito Road in?
45 Poquito Road is in Poquito Bayou in Shalimar, Okaloosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Poquito Bayou from the same MLS data.
Why might property taxes on 45 Poquito Road differ from the current owner's?
The estimate on this page (about $14,690 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 45 Poquito Road in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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.
