Cobblestone 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.
As of October 2026, the MLS records 7 closed sales in Cobblestone S/D in Fort Walton Beach, FL since 2003, the most recent in November 2024. 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) |
| 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 S/D key facts,” movewithmomentum.com/neighborhoods/cobblestone-s-d, data as of September 20, 2026.
Cobblestone is a small subdivision in Fort Walton Beach, and with no community amenities identified in current MLS listings, price here is driven by the homes themselves — condition, updates, lot, and layout — rather than by a pool, gate, or clubhouse premium. That means the spread between a dated home and a renovated one can be wide, and the individual property does most of the talking.
Without an amenity story to lean on, this is a location-and-condition market. Buyers should underwrite each listing on its own merits, and sellers should expect the work they have or haven't done to show up directly in the price.
Nearby homes for sale
No active listings inside COBBLESTONE S/D right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Cobblestone S/D is a modest residential pocket in Fort Walton Beach, Okaloosa County, without shared community amenities on record — so the appeal is the house and its position, not a subdivision package.
County records show 3 qualified sales in COBBLESTONE S/D 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 S/D is best for.
Best for
- Buyers set on Fort Walton Beach who prioritize the individual home over shared amenities
- Value-focused buyers willing to underwrite condition and updates line by line
- Owner-occupants comfortable in a small subdivision with no HOA amenity costs
Probably not for
- Buyers who want community amenities like a pool, gate, or clubhouse
- Buyers who need a deep pool of near-identical comps to feel confident on price
- Buyers unwilling to budget for potential updates on a condition-driven purchase
The market around Cobblestone S/D
Cobblestone S/D 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 S/D specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in COBBLESTONE 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.
The Cobblestone S/D buying strategy.
If we were buying in Cobblestone 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 Cobblestone S/D.
A condition-driven pocket
With no HOA amenities surfacing in the current MLS data, there's no bundled recreation cost or benefit to factor in, and no community feature propping up values. What you pay tracks the individual property — its updates, its footprint, and where it sits within Fort Walton Beach.
That puts the burden on due diligence. Two homes in Cobblestone can command very different numbers based on how much has been touched, so comparing listings line by line matters more here than in a subdivision where amenities set a floor.
The location and the amenities are priced into every listing in Cobblestone S/D. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a small, amenity-free subdivision, the comps that matter are few and the condition variance is real. We read each home against the others honestly, price to the actual work done, and tell you plainly when a listing is asking for a renovation premium it hasn't earned.
Cobblestone 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 Cobblestone 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 Cobblestone 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 Cobblestone 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 Cobblestone S/D home worth?
Get a no-obligation home value based on real comparable sales in Cobblestone 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 →
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 Cobblestone S/D?
What share of Cobblestone S/D is owner-occupied?
When were the homes in Cobblestone S/D built?
Who is the best real estate agent for Cobblestone S/D?
How do I find a top Fort Walton Beach real estate agent who knows Cobblestone S/D?
Can Momentum Realty connect me with an agent for Cobblestone S/D?
Where is Cobblestone S/D, and what county is it in?
Should you buy in Cobblestone S/D?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| 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.
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See how COBBLESTONE S/D fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Cobblestone S/D with Momentum Realty’s local guides.