Chardonnay Estates
Homes for Sale in Niceville, FL
All 182 homes for sale in Niceville, FL · median $499,900 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, Chardonnay Estates in Niceville, FL has 1 home for sale. As of October 2026, the MLS records 81 closed sales in Chardonnay Estates in Niceville, FL since 2005, the most recent in June 2025. Across Niceville as a whole, 246 homes closed in the last 12 months at a median of $530,000, 41 median days on market, with 61 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $6,830 ($6,330 with the full homestead exemption).
| Location | Niceville, Okaloosa County, FL · ZIP 32439, 32578 |
|---|---|
| Homes in the community | 81 (FL DOR 2025 assessment roll) |
| Years built | 2002–2019 (median 2004.0) |
| Typical living area | 2,725 sq ft (median) |
| For sale right now | 1 active, 0 pending · median asking $570,000 |
| Owner-occupied (homestead) share | 76% |
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, “CHARDONNAY ESTATES key facts,” movewithmomentum.com/neighborhoods/chardonnay-estates, data as of September 20, 2026.
Last 30 days in Chardonnay Estates: 1 new listing (median asking $599,000). As of October 2, 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.
Chardonnay Estates is a small, mature enclave of 81 homes in Niceville, built out largely in the early 2000s with a median vintage around 2004 and a few newer homes stretching to 2019. With a median living area of roughly 2,725 square feet, this is a move-up house market — larger floor plans on established lots, not starter product. There is no median price in this snapshot to anchor to, so price here will be driven by condition, lot, and how much of the original 2000s-era home has been updated.
Supply is thin: one active listing against 81 homes, and no closings in the current window. That combination makes pricing hard to read in real time — a single sale or listing can move the perceived market. For sellers it means limited direct competition; for buyers it means patience, because inventory turns over slowly here and comparable data is sparse.
The 60-Second Overview
A compact, established Niceville community of 81 mostly early-2000s homes with generous floor plans and a high owner-occupancy share, where the near-total absence of current inventory is the defining feature of the market right now.
Emerald Coast MLS sales records identify 50 homes in CHARDONNAY ESTATES that have changed hands since 2006, built between 2002 and 2006 (median 2004), with a median living area of about 2,288 sq ft and a typical 3-bedroom, 2.5-bath layout; 100% are single-family homes. Source: Emerald Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 6 qualified sales in CHARDONNAY ESTATES across 2024–2025 (3 in 2024, 3 in 2025), median $590,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Chardonnay Estates is best for.
Best for
- Move-up buyers wanting 2,700-ish square feet of established single-family space in Niceville
- Long-hold buyers comfortable waiting for a rare listing in a low-turnover neighborhood
- Buyers who value updated condition and are willing to pay for renovated systems over dated originals
Probably not for
- Buyers who need amenities like a pool, clubhouse, or gated features
- Buyers on a tight timeline who require several homes to compare at once
- Buyers seeking new-construction floor plans and finishes as the baseline
The market around Chardonnay Estates
Chardonnay Estates is too small for its own price trend, so here is the market around it.
In ZIP 32439, 535 homes are on the market and 26% are under contract — a steady corner of Niceville.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
In ZIP 32439 (Niceville), 679 homes closed in the last 12 months at a median of $385K, down 3.3% year over year, with a median 70 days on market. Right now 301 active and 108 pending listings put supply at about 5.5 months — a buyer's market. See the live ZIP 32439 housing market and the Walton County market.
ZIP and county figures describe the wider market, not Chardonnay Estates specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in CHARDONNAY ESTATES, Niceville
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.
Homes For Sale Right Now in Chardonnay Estates
Live MLS inventory for Chardonnay Estates. 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 and pending Chardonnay Estates listings as of 2026-10-01, 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.
Every Home for Sale in Chardonnay Estates Right Now (2)
All 2 active and pending Chardonnay Estates listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1051 Napa Way · $599,000 · 4 bd / 3 ba · listed Sep 25, 2026 · listed by Rulnick Realty Inc
- 1080 Napa Way · $570,000 · 3 bd / 2 ba · listed Jul 2, 2026 · listed by Elevation Realty Inc
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Bluewater · Elementary
- Choice-Destin/Ruckel · Middle
- Niceville · High
Zoned schools reflect the assignments reported on recent Chardonnay Estates listings and can change; always confirm with Okaloosa County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Chardonnay Estates address.
Shop the zone: Homes zoned for Niceville High School
The Chardonnay Estates buying strategy.
If we were buying in Chardonnay 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 Chardonnay Estates.
A low-turnover pocket where condition sets the price
The housing stock is consistent: homes built between 2002 and 2019 with a median size near 2,725 square feet, meaning most buyers are choosing among sizable single-family homes rather than a mix of product types. Because the median build year sits around 2004, the practical variable is upkeep — whether roofs, systems, kitchens, and baths have been carried forward or still reflect their original decade. Two similar-sized homes here can sit far apart on price for that reason alone.
Roughly 77% of homes carry a homestead exemption, which points to a predominantly owner-occupied community and helps explain the slow turnover. No community amenities surface in the current MLS listings, so buyers should evaluate this as a straightforward residential neighborhood — the value is in the homes and the Niceville location, not shared facilities. With active supply at a single listing, anyone serious about the area should be positioned to move when a home comes up.
The location and the amenities are priced into every listing in Chardonnay Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this small and this quiet on the transaction side, the data does most of the misleading. With one active listing and no recent closings, national valuation tools and quick comps will struggle. We watch Chardonnay Estates directly, know which floor plans and lot positions actually trade, and can tell a seller how to price into thin competition or a buyer when to wait versus when to act fast on a rare listing.
Chardonnay Estates in 15 seconds.
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 Chardonnay 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 Chardonnay Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Chardonnay 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 Chardonnay Estates home worth?
Get a no-obligation home value based on real comparable sales in Chardonnay 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 Niceville →
30% of homes for sale in ZIP 32578 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 (2026-10-01).
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.
Frequently Asked Questions
How many homes are in Chardonnay Estates?
What share of Chardonnay Estates is owner-occupied?
When were the homes in Chardonnay Estates built?
Who is the best real estate agent for Chardonnay Estates?
How do I find a top Niceville real estate agent who knows Chardonnay Estates?
Can Momentum Realty connect me with an agent for Chardonnay Estates?
Where is Chardonnay Estates, and what county is it in?
Should you buy in Chardonnay 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 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32439/32578)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2005 (81 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 CHARDONNAY ESTATES fits the bigger picture — live prices, inventory, and Momentum Scores:
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Explore more neighborhoods near Chardonnay Estates with Momentum Realty’s local guides.