Cobblestone
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, Cobblestone in Fort Walton Beach, FL has 1 home for sale. As of October 2026, the MLS records 7 closed sales in Cobblestone in Fort Walton Beach, FL since 2003, the most recent in August 2021. Across Fort Walton Beach as a whole, 287 homes closed in the last 12 months at a median of $357,612, 39 median days on market, with 99 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,610 ($4,100 with the full homestead exemption).
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32547 |
|---|---|
| Homes in the community | 25 (FL DOR 2025 assessment roll) |
| Years built | 2001–2002 (median 2001) |
| Typical living area | 1,687 sq ft (median) |
| For sale right now | 1 active, 0 pending · median asking $340,000 |
| Owner-occupied (homestead) share | 52% |
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, “Cobblestone key facts,” movewithmomentum.com/neighborhoods/cobblestone, data as of September 20, 2026.
Cobblestone in Fort Walton Beach is showing just one active listing as of July 2026, which tells you more about supply than about value. With inventory this thin, price here is set by the individual property — its condition, updates, and lot — not by a broad market trend you can read off a chart. There is no meaningful spread to average when a single home is on the market.
For a buyer, that means the one available home effectively sets the terms, and you have little leverage from comparable alternatives inside the community. For a seller, a market this quiet can cut both ways: less competition to stand against, but also fewer active data points to anchor a list price. In either case, the read comes down to the specific house, not the neighborhood momentum.
The 60-Second Overview
Cobblestone is a small residential pocket in Fort Walton Beach, in Okaloosa County. With only one home currently listed, this is a community you evaluate one property at a time rather than as a broad trend.
Emerald Coast MLS sales records identify 7 homes in Cobblestone that have changed hands since 2003, built between 2001 and 2002 (median 2001), with a median living area of about 1,440 sq ft and a typical 3-bedroom, 2-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 3 qualified sales in Cobblestone across 2024–2024, median $352,000 — 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 Cobblestone is best for.
Best for
- Buyers focused on a particular home who can wait for the right one to list
- Buyers comfortable evaluating a property on its own merits rather than against a deep pool of comps
- Buyers who want a Fort Walton Beach location and do not require in-community amenities
Probably not for
- Buyers who want several homes to tour and compare within one community
- Buyers seeking shared amenities like a pool or clubhouse
- Buyers on a tight timeline who cannot wait for limited inventory to turn over
The market around Cobblestone
Cobblestone is too small for its own price trend, so here is the market around it.
In ZIP 32547, 198 homes are on the market and 27% are under contract — a steady corner of Fort Walton Beach.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
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.
ZIP and county figures describe the wider market, not Cobblestone specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Cobblestone, 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 Cobblestone
Live MLS inventory for Cobblestone. 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 Cobblestone 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 Cobblestone Right Now (1)
All 1 active and pending Cobblestone listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1838 Brick Circle · $340,000 · 3 bd / 2 ba · listed Jul 21, 2026 · listed by World Impact Real Estate
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Longwood · Elementary
- Pryor · Middle
- Choctawhatchee · High
Zoned schools reflect the assignments reported on recent Cobblestone 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 Cobblestone address.
Shop the zone: Homes zoned for Choctawhatchee High School
The Cobblestone buying strategy.
If we were buying in Cobblestone 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 Cobblestone.
A single-listing market
The defining fact about Cobblestone right now is scarcity of active supply. One listing does not give us a price range, a condition profile across the neighborhood, or a sense of how fast things move here. What it does give you is a reason to move deliberately when something does come up, because the next option may not appear quickly.
No community amenities were identified from the current MLS listings, so the case for Cobblestone rests on the home itself and on its location within Fort Walton Beach — proximity to the everyday infrastructure of the city rather than on shared facilities inside the community. Judge the individual property on its merits and its position.
The location and the amenities are priced into every listing in Cobblestone. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with a single active listing, the value of a broker is knowing when to move and when to wait. We track Cobblestone and the surrounding Fort Walton Beach market so that when a home comes available, you already understand how it compares — and we will tell you plainly if the one option on the table is not the right fit for your goals.
Cobblestone 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 Cobblestone 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 Cobblestone sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cobblestone, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cobblestone home worth?
Get a no-obligation home value based on real comparable sales in Cobblestone, 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 →
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).
Frequently Asked Questions
How many homes are in Cobblestone?
What share of Cobblestone is owner-occupied?
When were the homes in Cobblestone built?
Who is the best real estate agent for Cobblestone?
How do I find a top Fort Walton Beach real estate agent who knows Cobblestone?
Can Momentum Realty connect me with an agent for Cobblestone?
Where is Cobblestone, and what county is it in?
Should you buy in Cobblestone?
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 (1 streets, ZIP 32547)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2003 (7 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.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Cobblestone fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Cobblestone with Momentum Realty’s local guides.