CLOVERDALE S/D
Homes for Sale in Fort Walton Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo via emeraldcoast
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.
The 60-Second Overview
CLOVERDALE S/D market snapshot (as of July 25, 2026): the median sale price is about $480K, and a median 19 days on market for closed sales.
CLOVERDALE S/D is a community of 148 homes in Fort Walton Beach, Okaloosa County, built between 1950 and 2024 (median 1982.0), with a median living area of about 1,940 square feet. 59% 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.
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 July 25 of each year, from record-level emeraldcoast 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.
CLOVERDALE S/D Market Scorecard
CLOVERDALE S/D is currently a balanced market., a median asking price of $438,000, and homes go under contract in about 405 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: emeraldcoast, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
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 and pending CLOVERDALE S/D listings as of 2026-07-25, 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.
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.
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.
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
- Mandatory HOA — confirm current dues
- 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.
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Frequently Asked Questions
What is the median home price in CLOVERDALE S/D?
How long do homes in CLOVERDALE S/D take to sell?
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?
Do cash buyers compete in CLOVERDALE S/D?
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?
Should you buy in CLOVERDALE S/D?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near CLOVERDALE S/D with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | emeraldcoast, refreshed twice daily (last: July 25, 2026) |
| Community market stats | emeraldcoast closed sales, 12-month windows ending July 25, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (6 streets, ZIP 32547)) |
| 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 emeraldcoast 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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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 emeraldcoast member average and 8 days faster, and we’ll price yours against live your area comps.
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