Cloverdale S/D
Homes for Sale in Fort Walton Beach, FL
All 380 homes for sale in Fort Walton Beach, FL · median $399,950 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of November 2026, Cloverdale S/D in Fort Walton Beach, FL has 2 homes for sale. Homes listed or recently sold were built 1965–2022; none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 40 ft).
Cloverdale is a small, established pocket in Fort Walton Beach where price is driven far more by condition and updates than by any single floor plan. With a median build year of 1982 and homes dating back as far as 1950, the spread here is wide: a renovated house and a dated one can sit close together, and the gap between them shows up in the price. The median sits at $480,000, but treat that as a midpoint, not a rule — what you pay tracks closely to how much work has already been done.
The current posture is thin on supply. There is effectively one home active, and closings move at a median of 19 days, which points to a market where well-prepared listings don't linger. For a seller, that means condition and pricing discipline get rewarded quickly. For a buyer, it means patience and readiness to act — you may wait for the right house, then need to move without hesitation when it lists.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Cloverdale S/D right now
🟢 Buyer-leaning market. 8.0 months of supply and 33% 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 November 9, 2026. Confidence: Low (3 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 12, 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
Cloverdale is a compact subdivision of roughly 148 homes near central Fort Walton Beach, with a build range spanning 1950 to 2024 — so you'll find original mid-century houses alongside newer construction and everything renovated in between.
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.
The setting & the homes.
Aerial and on-site photos of Cloverdale S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Cloverdale S/D
Cloverdale S/D
Cloverdale S/D
Cloverdale S/D
Cloverdale S/D
Cloverdale S/DPhotos from Emerald Coast MLS listings in Cloverdale S/D; content deemed reliable but not guaranteed.
Who Cloverdale S/D is best for.
Best for
- Buyers targeting a mid-$500s-and-under range who want an established central location near the median size
- Renovation-minded buyers comfortable pricing in updates on an older home
- Owner-occupants seeking a stable, largely homesteaded pocket rather than an amenity-driven development
Probably not for
- Buyers who need pools, gyms, or other community amenities on site
- Shoppers who want a wide active inventory to compare on any given week
- Buyers unwilling to move quickly when the right listing appears in a thin market
The market around Cloverdale S/D
Cloverdale S/D is too small for its own price trend, so here is the market around it.
Across Okaloosa County, 1,691 homes are active and 403 pending (19% under contract).
ZIP and county figures describe the wider market, not Cloverdale S/D specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Cloverdale S/D
Live MLS inventory for Cloverdale S/D. 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 · 509 daysTop listingActive · 46 daysPending · 56 daysActive and pending Cloverdale S/D listings as of 2026-11-12, 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.
Cloverdale S/D 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
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Kenwood · Elementary
- Pryor · Middle
- Choctawhatchee · High
Zoned schools reflect the assignments reported on recent Cloverdale S/D 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 Cloverdale S/D address.
Shop the zone: Homes zoned for Choctawhatchee High School
The Cloverdale S/D buying strategy.
If we were buying in Cloverdale S/D 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 Cloverdale S/D.
A condition-driven small-lot market
The defining trait here is age variety within a small footprint. A median build year of 1982 sits in the middle of a range that runs from 1950 to 2024, and a median living area near 1,940 square feet describes a typical home that is neither tight nor oversized. Because the housing stock is this mixed, two homes of similar size can price very differently based on updates, systems, and finishes.
Just under 60% of homes here carry a homestead exemption, which tells you this is largely an owner-occupied enclave rather than a rental-heavy one. No community amenities show up in current MLS listings, so the draw is the location and the individual home, not shared facilities. Buyers should underwrite each property on its own merits — roof, systems, and renovation history matter more than any neighborhood average.
The location and the amenities are priced into every listing in Cloverdale S/D. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin — often a single active listing at a time — timing and preparation are everything. We track Cloverdale closely enough to flag a home the day it lists, help you separate a genuinely updated property from a cosmetic one, and price a sale to move at the pace this submarket actually rewards.
Cloverdale S/D in 15 seconds.
Tools for a Cloverdale S/D 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 Cloverdale S/D sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cloverdale S/D, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cloverdale S/D home worth?
Get a no-obligation home value based on real comparable sales in Cloverdale S/D, 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 →
Housing distress & ownership in CLOVERDALE S/D, 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.
Just listed in Cloverdale S/D
The newest homes for sale in Cloverdale S/D right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 3 Marty Lane $389,500 · 3 bd · 2 ba · listed Sep 25, 2026 Courtesy of Livin Right Real Estate LLC
- 2 Marty Ln Lane $436,000 · 4 bd · 2 ba · listed Jun 19, 2025 Courtesy of Berkshire Hathaway Home Services PenFed Realty
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Cloverdale S D Right Now (3)
All 3 active and pending Cloverdale S D listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3 Marty Lane · $389,500 · 3 bd / 2 ba · listed Sep 24, 2026 · listed by Livin Right Real Estate LLC
- 308 Cloverdale Boulevard · $196,000 · 3 bd / 1.5 ba · pending · listed Aug 20, 2026 · listed by Realty ONE Group Emerald Coast
- 2 Marty Ln Lane · $436,000 · 4 bd / 2 ba · listed Aug 13, 2026 · listed by Berkshire Hathaway Home Services PenFed Realty
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 pool homes for sale
- Fort Walton Beach waterfront homes for sale
- Gated communities in Fort Walton Beach
- Fort Walton Beach home values: what is my house worth?
- 8 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
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Real estate agent in Fort Walton Beach? Join Momentum in Fort Walton Beach: 100% commission, one $12K cap.
What it really costs to own in Cloverdale S/D
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 $3,360/yr across 3 listings here (MLS tax records, 2026-11-12). |
|---|---|
| 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 1973 across 3 listings. An original roof here would be about 53 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. |
Email me new listings in Cloverdale S/D
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 Cloverdale S/D
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cloverdale S/D will answer, and the answer is published on this page for the next buyer.
19% 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 (2026-11-11).
Frequently Asked Questions
Is Cloverdale S/D a buyer's or seller's market right now?
Who is the best real estate agent for Cloverdale S/D?
How do I find a top Fort Walton Beach real estate agent who knows Cloverdale S/D?
Can Momentum Realty connect me with an agent for Cloverdale S/D?
Where is Cloverdale S/D, and what county is it in?
Should you buy in Cloverdale S/D?
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: November 12, 2026) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
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. A Momentum agent can price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how CLOVERDALE S/D fits the bigger picture — live prices, inventory, and Momentum Scores: