Cloverdale S/D
Homes for Sale in Fort Walton Beach, FL
All 414 homes for sale in Fort Walton Beach, FL · median $398,000 · 149 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
As of October 2026, Cloverdale S/D in Fort Walton Beach, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $480,000, a median 19 days on market, sellers accepting 94% of original asking. 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). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $6,190 ($5,680 with the full homestead exemption).
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32547 |
|---|---|
| Homes in the community | 48 (FL DOR 2025 assessment roll) |
| Years built | 1960–2024 (median 1979.5) |
| Typical living area | 2,206 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Sale prices, last 12 months | $480,000 median across 3 closed sales |
| Days on market (closed sales) | 19 median |
| For sale right now | 1 active, 1 pending · median asking $436,000 · 4.0 months of supply |
| Owner-occupied (homestead) share | 67% |
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, “CLOVERDALE S/D key facts,” movewithmomentum.com/neighborhoods/cloverdale-s-d, data as of September 20, 2026.
Last 30 days in Cloverdale S/D: 1 new listing (median asking $389,500), 1 under contract right now. 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.
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.
Cloverdale S/D right now
🟡 Balanced market. 4.0 months of supply and 50% of the inventory already under contract put buyers and sellers on roughly even footing.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: Low (2 active and pending listings, 3 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 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 S/D market snapshot (as of September 20, 2026): the median sale price is about $480K, a median 19 days on market for closed sales, and 4.0 months of supply, a balanced market.
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.
County records show 3 qualified sales in CLOVERDALE S/D across 2024–2025 (2 in 2024, 1 in 2025), median $335,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Cloverdale S/D is a community of 48 homes in Fort Walton Beach, Okaloosa County, built between 1960 and 2024 (median 1979.5), with a median living area of about 2,206 square feet. 67% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
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.
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
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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
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 ($480K) IS the median in the snapshot above.
Windows contain 0 to 5 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.
26% 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 (2026-10-02).
Cloverdale S/D Market Scorecard
Cloverdale S/D is currently a balanced market. About 4.0 months of supply, a median asking price of $436,000, and homes go under contract in about 464 days.
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.
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.
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 · 464 daysTop listingActive · 1 daysPending · 56 daysActive and pending Cloverdale S/D 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 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 Jul 16, 2026 · listed by Realty ONE Group Emerald Coast
- 2 Marty Ln Lane · $436,000 · 4 bd / 2 ba · listed Jul 2, 2026 · listed by Berkshire Hathaway Home Services PenFed Realty
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, tiles © CARTO.
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.
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 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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Cloverdale S/D 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 (6.3). Basis: Liquidity & Demand 4.0 months of supply; Owner Commitment 67% owner-occupied; Pricing Power 94.1% sale-to-list. Refreshed with each data update.
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.
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 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 →
Frequently Asked Questions
What is the median home price in Cloverdale S/D?
How long do homes in Cloverdale S/D take to sell?
Is Cloverdale S/D a buyer's or seller's market right now?
How many homes are in Cloverdale S/D?
What share of Cloverdale S/D is owner-occupied?
When were the homes in Cloverdale S/D built?
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: October 1, 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 1993 (51 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?
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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 CLOVERDALE S/D fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Cloverdale S/D
- Home values · What homes in Cloverdale S/D actually sell for
- Find an agent · How to choose the best real estate agent in Cloverdale S/D
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Explore more neighborhoods near Cloverdale S/D with Momentum Realty’s local guides.