Bell-Brook Estates
Homes for Sale in Fort Walton Beach, FL
All 405 homes for sale in Fort Walton Beach, FL · median $389,999 · 140 homes for sale in 32547 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $180,000, a median 49 days on market, sellers accepting 97% of original asking. Homes listed or recently sold were built 1983–2012; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 44 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $2,320 ($1,810 with the full homestead exemption).
Bell-Brook Estates is a small residential pocket in Fort Walton Beach, and as of July 2026 there are no active listings on the MLS here. That means there is no current asking-price signal to read, and no way to quote a working median from live inventory. What sets value in a community like this is almost entirely the individual home — lot, condition, updates, and how it compares to recent sales nearby rather than to anything currently for sale.
For a buyer, zero inventory means patience: you are waiting for the right door to open rather than choosing from a shelf. For a seller, it means you would be entering a market with little to no direct competition inside the community, which can work in your favor on timing, but pricing will lean heavily on recent comparable sales and an honest read of your home's condition. Either way, this is a set-an-alert-and-move-quickly situation, not a browse-at-your-leisure one.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside BELL-BROOK ESTATES right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Bell-Brook Estates market snapshot (as of September 20, 2026): the median sale price is about $180K, and a median 49 days on market for closed sales.
In ZIP 32547 (Fort Walton Beach), 385 homes closed in the last 12 months at a median of $337K ($136/sq ft), up 12.1% year over year, with a median 38 days on market. Right now 107 active and 39 pending listings put supply at about 4.0 months — a healthy market. See the live ZIP 32547 housing market and the Okaloosa County market.
Bell-Brook Estates is a community of 13 homes in Fort Walton Beach, Okaloosa County, built between 1963 and 2018 (median 1988), with a median living area of about 2,025 square feet. 85% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Bell-Brook Estates is a modest residential enclave in Fort Walton Beach, Okaloosa County. With no homes currently listed, activity here is driven by occasional turnover rather than steady inventory, so opportunity comes in windows.
The setting & the homes.
Aerial and on-site photos of Bell-Brook Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Bell-Brook Estates
Bell-Brook Estates
Bell-Brook EstatesPhotos from Emerald Coast MLS listings in Bell-Brook Estates; content deemed reliable but not guaranteed.
Who Bell-Brook Estates is best for.
Best for
- Patient buyers who can set an alert and act fast when a home lists
- Sellers wanting to list into a market with minimal in-community competition
- Buyers comfortable valuing a home on condition and comps rather than a menu of choices
Probably not for
- Buyers on a tight deadline who need to choose from current inventory
- Buyers wanting shared community amenities as part of the package
- Anyone who needs a live asking-price benchmark before committing
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 ($180K) IS the median in the snapshot above.
Windows contain 0 to 3 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.
27% of homes for sale in ZIP 32547 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 (2026-09-20).
Bell-Brook Estates Market Scorecard
Bell-Brook Estates is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Emerald Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Bell-Brook Estates 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 contributors.
The Bell-Brook Estates buying strategy.
If we were buying in Bell-Brook Estates 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 Bell-Brook Estates.
A thin-inventory pocket
The defining fact of Bell-Brook Estates right now is scarcity of listings. We identified no community amenities from current MLS data, which is typical of a straightforward residential subdivision where the appeal is the home and the location rather than shared facilities. Judge each property on its own merits: floor plan, structural condition, and how recently major systems have been updated.
Because there is nothing active to anchor a price, both sides of a transaction here rely on recent sold comps and a disciplined valuation. That is a strength for a prepared buyer or seller and a hazard for anyone guessing. Expect condition to drive the spread more than anything else, and treat any single data point with caution until a real listing or sale confirms it.
The location and the amenities are priced into every listing in Bell-Brook Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with no active listings, timing and comp discipline are everything. We track turnover in Bell-Brook Estates directly, set up alerts the moment something moves, and price against recent sales rather than wishful thinking. Whether you are trying to get in or get out cleanly, we will tell you honestly what the current data does and does not support.
Bell-Brook Estates in 15 seconds.
Email me new listings in Bell-Brook EstatesHomes for Sale
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Bell-Brook EstatesHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Bell-Brook EstatesHomes for Sale will answer, and the answer is published on this page for the next buyer.
What it really costs to own in Bell-Brook EstatesHomes for Sale
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $1,857/yr across 3 listings here (MLS tax records, 2026-10-20). |
|---|---|
| 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 depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1983 across 3 listings. An original roof here would be about 43 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
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 Bell-Brook Estates 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 Bell-Brook Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bell-Brook Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bell-Brook Estates home worth?
Get a no-obligation home value based on real comparable sales in Bell-Brook Estates, 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 →
Recently off market in BELL-BROOK ESTATES
Homes in BELL-BROOK ESTATES 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. 1 on record.
- 940 Central Avenue #4 · off market
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32547 |
|---|---|
| Homes in the community | 13 (FL DOR 2025 assessment roll) |
| Years built | 1963–2018 (median 1988) |
| Typical living area | 2,025 sq ft (median) |
| Sale prices, last 12 months | $180,000 median across 3 closed sales |
| Days on market (closed sales) | 49 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 85% |
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, “Bell-Brook Estates key facts,” movewithmomentum.com/neighborhoods/bell-brook-estates, data as of September 20, 2026.
Housing distress & ownership in BELL-BROOK ESTATES, 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.
More Fort Walton Beach home searches
- All homes for sale in Fort Walton Beach, FL
- Homes for sale in Okaloosa County, FL
- Fort Walton Beach waterfront homes for sale
- Gated communities in Fort Walton Beach
- Homes under $300K in Fort Walton Beach
- Homes from $300K to $500K in Fort Walton Beach
- 4-bedroom homes for sale in Fort Walton Beach
- Fort Walton Beach home values: what is my house worth?
- ZIP 32547 housing scorecard
- 2 coming-soon communities in Okaloosa County
Fort Walton Beach guides & data
- Market data
- Property taxes (Okaloosa County)
- Homestead exemption (Okaloosa County)
- Home insurance cost
- New construction
- New construction (Okaloosa County)
- ZIP codes
- Home builders (Okaloosa County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
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Frequently Asked Questions
What is the median home price in Bell-Brook Estates?
How long do homes in Bell-Brook Estates take to sell?
How many homes are in Bell-Brook Estates?
What share of Bell-Brook Estates is owner-occupied?
When were the homes in Bell-Brook Estates built?
Who is the best real estate agent for Bell-Brook Estates?
How do I find a top Fort Walton Beach real estate agent who knows Bell-Brook Estates?
Can Momentum Realty connect me with an agent for Bell-Brook Estates?
Where is Bell-Brook Estates, and what county is it in?
Should you buy in Bell-Brook Estates?
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: October 19, 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 (1 streets, ZIP 32547)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2003 (7 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 BELL-BROOK ESTATES fits the bigger picture — live prices, inventory, and Momentum Scores:
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