Cat Island Estates Enclave
Homes for Sale in DeFuniak Springs, FL
All 209 homes for sale in DeFuniak Springs, FL · median $246,400 · 105 homes for sale in 32433 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, Cat Island Estates Enclave in DeFuniak Springs, FL has 8 homes for sale, asking from $249,888 to $285,990 (median $271,388). Over the 12 months ending 2026-09-20, 14 recorded sales closed at a median of $258,888, a median 107 days on market, sellers accepting 92% of original asking. Homes listed or recently sold were built 2025–2026 with 20 new construction; none of the 20 geocoded homes sit in a FEMA special flood hazard zone (median elevation 245 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $2,530 ($2,140 with the full homestead exemption).
Last 30 days in Cat Island Estates Enclave: 2 closed sales (median $266,439). As of October 19, 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.
Homes For Sale Right Now in Cat Island Estates Enclave
Live MLS inventory for Cat Island Estates Enclave. 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 · 65 daysTop listing
Active · 121 days
Active · 65 days
Active · 211 days
Active · 256 days
Active · 121 days
Active · 135 days
Active · 101 daysActive and pending Cat Island Estates Enclave listings as of 2026-10-19, 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.
Price here is driven by condition and the individual property, not by shared amenities or a tight product type. With a median around $254,888 and no community features surfacing in current MLS listings, what you pay tracks the house itself — lot, updates, and how it shows — rather than a premium for the address.
The market posture is patient. A median of roughly 83 days on market against 10 active listings and 10 recent closings tells me inventory is moving, but slowly. Sellers should price to the comparable, not to hope; buyers have time to inspect, negotiate, and walk away without pressure.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Cat Island Estates Enclave right now
🟢 Buyer-leaning market. 6.9 months of supply and 20% of the inventory already under contract give buyers above-average negotiating leverage.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: High (10 active and pending listings, 14 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 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
Cat Island Estates Enclave market snapshot (as of September 20, 2026): the median sale price is about $259K, a median 107 days on market for closed sales, and 6.9 months of supply, a buyer-leaning market.
In ZIP 32433 (DeFuniak Springs), 189 homes closed in the last 12 months at a median of $208K, down 2.5% year over year, with a median 89 days on market. Right now 69 active and 18 pending listings put supply at about 6.8 months — a buyer's market. See the live ZIP 32433 housing market and the Walton County market.
Flood zones in Cat Island Estates Enclave: of 10 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov.
Cat Island Estates Enclave is a community of 23 homes in DeFuniak Springs, Walton County, built between 1955 and 2021 (median 1990), with a median living area of about 1,777 square feet. 75% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Cat Island Estates Enclave sits in DeFuniak Springs, inland Walton County, where the draw is the home and the setting rather than a packaged amenity list. Expect a market that rewards patience on both sides of the table.
The setting & the homes.
Aerial and on-site photos of Cat Island Estates Enclave. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Cat Island Estates EnclaveCat Island Estates EnclaveCat Island Estates EnclaveCat Island Estates EnclaveCat Island Estates EnclaveCat Island Estates EnclaveCat Island Estates EnclaveCat Island Estates EnclavePhotos from Emerald Coast MLS listings in Cat Island Estates Enclave; content deemed reliable but not guaranteed.
Who Cat Island Estates Enclave is best for.
Best for
- Buyers targeting the mid-$250s who want an inland Walton County location over coastal pricing
- Patient purchasers who prefer time to inspect and negotiate rather than compete under pressure
- Buyers comfortable weighing condition themselves and paying for the house, not for shared amenities
Probably not for
- Buyers who require a pool, clubhouse, or maintained common amenities
- Anyone needing to close fast in a market that moves at roughly 83 days on market
- Shoppers expecting a uniform price where the median predicts every home's cost
Cat Island Estates Enclave 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.
Schools
- Walton County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Maude Saunders · Elementary
- Walton · Middle
- Walton · High
Zoned schools reflect the assignments reported on recent Cat Island Estates Enclave listings and can change; always confirm with Walton County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cat Island Estates Enclave address.
Shop the zone: Homes zoned for Walton High School
The Cat Island Estates Enclave buying strategy.
If we were buying in Cat Island Estates Enclave 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Cat Island Estates Enclave.
A condition-driven inland market
With no amenities identified from current listings, there is no HOA-style pool-and-clubhouse story to lean on. That keeps carrying costs simpler and puts the weight of value on the individual property. The spread between a well-kept home and one needing work can be wide, so the median of $254,888 is a midpoint to reference, not a fixed rate for every door.
The pace matters. At roughly 83 days on market, this is not a submarket where you offer in a weekend. Ten active listings against ten recent closings is a balanced, unhurried picture — room for buyers to be selective, and a signal to sellers that sharp pricing and clean presentation do the heavy lifting.
The location and the amenities are priced into every listing in Cat Island Estates Enclave. 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 Cat Island Estates Enclave 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 3 factors (5.2). Basis: Liquidity & Demand 6.9 months of supply; Owner Commitment 75% owner-occupied; Pricing Power 92.3% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a condition-driven market with a slower clock, the right read on a specific property is worth more than a headline number. We price to the comparable, flag the condition issues that move value, and use the time the market gives you to negotiate from evidence rather than emotion.
Cat Island Estates Enclave in 15 seconds.
What it really costs to own in Cat Island Estates Enclave
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 $148/yr across 6 listings here (MLS tax records, 2026-10-20). |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Walton County is $1,942/yr (433 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 10 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2026 across 12 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Cat Island Estates Enclave
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 Cat Island Estates Enclave
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cat Island Estates Enclave will answer, and the answer is published on this page for the next buyer.
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.
Flood & Insurance Context
Of 10 sampled listing addresses in this community: 100% outside the FEMA Special Flood Hazard Area (Zone X/B/C).
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=10) · as of 2026-10
Tools for a Cat Island Estates Enclave 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 Cat Island Estates Enclave sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cat Island Estates Enclave, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cat Island Estates Enclave home worth?
Get a no-obligation home value based on real comparable sales in Cat Island Estates Enclave, 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 DeFuniak Springs →
Recently off market in Cat Island Estates Enclave
Homes in Cat Island Estates Enclave 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. 6 on record.
- 130 Cat Island Circle · off market
- 171 Cat Island Circle · off market
- 214 Cat Island Circle · off market
- 275 Cat Island Circle · off market
- 278 Cat Island Circle · off market
- 303 Cat Island Circle · off market
| Location | DeFuniak Springs, Walton County, FL · ZIP 32433 |
|---|---|
| Homes in the community | 23 (FL DOR 2025 assessment roll) |
| Years built | 1955–2021 (median 1990) |
| Typical living area | 1,777 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Sale prices, last 12 months | $258,888 median across 14 closed sales |
| Days on market (closed sales) | 107 median |
| For sale right now | 8 active, 2 pending · median asking $279,490 · 6.9 months of supply |
| Owner-occupied (homestead) share | 75% |
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, “Cat Island Estates Enclave key facts,” movewithmomentum.com/neighborhoods/cat-island-estates-enclave, data as of September 20, 2026.
Housing distress & ownership in Cat Island Estates Enclave, DeFuniak Springs
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.
Just listed in Cat Island Estates Enclave
The newest homes for sale in Cat Island Estates Enclave right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 155 Cat Island Circle $285,990 · 4 bd · 2 ba · 67 days on market Courtesy of WJH Brokerage FL LLC
- 143 Cat Island Circle $278,990 · 3 bd · 2 ba · 67 days on market Courtesy of WJH Brokerage FL LLC
- 35 Cat Island Circle $249,888 · 3 bd · 2 ba · 103 days on market Courtesy of WJH Brokerage FL LLC
- 17 Cat Island Circle $285,990 · 4 bd · 2 ba · 123 days on market Courtesy of WJH Brokerage FL LLC
- 110 Cat Island Circle $259,888 · 4 bd · 2 ba · 123 days on market Courtesy of WJH Brokerage FL LLC
- 238 Cat Island Road $255,888 · 4 bd · 2 ba · 137 days on market Courtesy of WJH Brokerage FL LLC
Checked against the MLS Oct 19, 2026. All new listings in this market.
Every Home for Sale in Cat Island Estates Enclave Right Now (8)
All 8 active and pending Cat Island Estates Enclave listings with a detail page, newest first, refreshed twice a day from the MLS.
- 155 Cat Island Circle · $285,990 · 4 bd / 2 ba · listed Aug 13, 2026 · listed by WJH Brokerage FL LLC
- 143 Cat Island Circle · $278,990 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by WJH Brokerage FL LLC
- 35 Cat Island Circle · $249,888 · 3 bd / 2 ba · listed Jul 21, 2026 · listed by WJH Brokerage FL LLC
- 17 Cat Island Circle · $285,990 · 4 bd / 2 ba · listed Jul 21, 2026 · listed by WJH Brokerage FL LLC
- 110 Cat Island Circle · $259,888 · 4 bd / 2 ba · listed Jul 21, 2026 · listed by WJH Brokerage FL LLC
- 238 Cat Island Road · $255,888 · 4 bd / 2 ba · listed Jul 21, 2026 · listed by WJH Brokerage FL LLC
- 248 Cat Island Circle · $276,888 · 4 bd / 2 ba · listed Jul 21, 2026 · listed by WJH Brokerage FL LLC
- 306 Cat Island Circle · $265,888 · 4 bd / 2 ba · listed Jul 21, 2026 · listed by WJH Brokerage FL LLC
Recently sold in Cat Island Estates Enclave
- 130 Cat Island Circle · sold $272,990
- 275 Cat Island Circle · sold $259,888
- 214 Cat Island Circle · sold $289,990
- 303 Cat Island Circle · sold $249,888
- 171 Cat Island Circle · sold $263,990
- 278 Cat Island Circle · sold $273,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More DeFuniak Springs home searches
- All homes for sale in DeFuniak Springs, FL
- Homes for sale in Walton County, FL
- DeFuniak Springs waterfront homes for sale
- Homes under $300K in DeFuniak Springs
- Homes from $300K to $500K in DeFuniak Springs
- 4-bedroom homes for sale in DeFuniak Springs
- DeFuniak Springs home values: what is my house worth?
- ZIP 32433 housing scorecard
- 5 coming-soon communities in Walton County
DeFuniak Springs guides & data
- Market data
- Property taxes (Walton County)
- Homestead exemption (Walton County)
- Home insurance cost
- New construction
- New construction (Walton County)
- ZIP codes
- Home builders (Walton 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
Real estate agent in DeFuniak Springs? Join Momentum in DeFuniak Springs: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Cat Island Circle (18 homes on record)
18% of homes for sale in ZIP 32433 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 (2026-10-20).
Cat Island Estates Enclave Market Scorecard
Cat Island Estates Enclave is currently a buyer's market. About 6.0 months of supply, a median asking price of $271,388, and homes go under contract in about 123 days.
Typical home value in the 32433 ZIP is $226,645, about 11.3% 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.
Frequently Asked Questions
What is the median home price in Cat Island Estates Enclave?
How long do homes in Cat Island Estates Enclave take to sell?
Is Cat Island Estates Enclave a buyer's or seller's market right now?
How many homes are in Cat Island Estates Enclave?
What share of Cat Island Estates Enclave is owner-occupied?
When were the homes in Cat Island Estates Enclave built?
Who is the best real estate agent for Cat Island Estates Enclave?
How do I find a top DeFuniak Springs real estate agent who knows Cat Island Estates Enclave?
Can Momentum Realty connect me with an agent for Cat Island Estates Enclave?
Where is Cat Island Estates Enclave, and what county is it in?
Is Cat Island Estates Enclave in a flood zone?
Is Cat Island Estates Enclave a good place to live?
Should you buy in Cat Island Estates Enclave?
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 32433)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2026 (14 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.
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