Elliotts Point
Homes for Sale in Fort Walton Beach, FL
All 412 homes for sale in Fort Walton Beach, FL · median $388,740 · 282 homes for sale in 32548 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-20, 6 recorded sales closed at a median of $346,500, a median 118 days on market, sellers accepting 93% of original asking (-1% versus the prior year). Homes listed or recently sold were built 1954–2026 with 1 new construction; none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 11 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,470 ($3,960 with the full homestead exemption).
Price here is driven by condition and lot, not by any single template. The median home dates to 1957 and runs about 1,712 square feet, but the build range stretches from 1940 to 2024, so what you actually pay tracks how much updating a given house has already absorbed. Treat the $333,000 median as a midpoint across a wide spread, not a sticker price for a specific home.
The current posture favors patient buyers. The median home is taking about 111 days to sell, inventory is thin, and the median price is down 17.8% year over year off a much higher long-run base — up 192% since 2012. That combination — slow days on market, a soft heat score, and few active listings — means sellers need realistic pricing and buyers have room to negotiate, but not much selection at any one moment.
Elliotts Point right now
🟡 Off the recent peak. The trailing-12-month median ($346K) is down 1.0% from the prior 12 months ($350K) and up 161% since 2012. With about 4 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Emerald Coast MLS closed sales, 12-month windows ending September 20. Confidence: Low (6 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 18, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside ELLIOTTS POINT 7TH ADDN 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
Elliotts Point market snapshot (as of September 20, 2026): the median sale price is about $346K, and a median 119 days on market for closed sales. The trailing-12-month median is down 1% from the prior 12 months and up 161% since 2012, computed from record-level Emerald Coast MLS closed sales (6 closings in the current window).
In ZIP 32548 (Fort Walton Beach), 338 homes closed in the last 12 months at a median of $325K, up 11.9% year over year, with a median 41 days on market. Right now 112 active and 32 pending listings put supply at about 5.0 months — a balanced market. See the live ZIP 32548 housing market and the Okaloosa County market.
County records show 11 qualified sales in ELLIOTTS POINT across 2024–2025 (7 in 2024, 4 in 2025), median $495,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Elliotts Point is a community of 130 homes in Fort Walton Beach, Okaloosa County, built between 1945 and 2022 (median 1960.0), with a median living area of about 1,922 square feet. 74% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Elliotts Point 7th Addn is an established, mostly older pocket of Fort Walton Beach where the housing stock is varied and the pace of sales is deliberate. With a homestead share around 63%, this reads as a lived-in neighborhood rather than a rental or flip corridor.
The setting & the homes.
Aerial and on-site photos of Elliotts Point. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Elliotts PointPhotos from Emerald Coast MLS listings in Elliotts Point; content deemed reliable but not guaranteed.
Who Elliotts Point is best for.
Best for
- Long-hold owners planning to stay put and comfortable maintaining an older home
- Buyers with a renovation budget who want to add value through updates
- Value-focused shoppers who can be patient while inventory is thin and are ready to move when the right house appears
Probably not for
- Buyers who require newer construction or a move-in-ready home with no updating
- Those who want shared community amenities like a pool or clubhouse
- Short-term flippers needing a quick resale in a fast-turning 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 ($346K) IS the median in the snapshot above, and the move from 2025 ($350K) IS the -1.0% one-year change.
Windows contain 1 to 6 sales each (6 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.
15% of homes for sale in ZIP 32548 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 (2026-09-20).
Elliotts Point Market Scorecard
Elliotts Point is currently a balanced market..
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.
Elliotts Point 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.
The Elliotts Point buying strategy.
If we were buying in Elliotts Point 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 Elliotts Point.
An older stock rewarding condition
With 606 homes and a median build year of 1957, most of what trades here has some age on it. The 1940-to-2024 range tells you renovations and occasional teardowns/rebuilds happen, which is why two homes of similar size can be priced very differently. Your inspection and renovation math matter more here than in a uniform, newer subdivision.
No community amenities show up in current MLS listings, so value comes from the homes and the location itself rather than shared facilities. With only one active listing at last snapshot and a 111-day median time to sell, timing and readiness to move on the right house both count.
The location and the amenities are priced into every listing in Elliotts Point. 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 Elliotts Point 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 4 factors (7.0). Basis: Long-Term Appreciation +161% since 2012; Recent Direction -1.0% year-over-year; Owner Commitment 74% owner-occupied; Pricing Power 93.3% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A neighborhood this varied in age and condition needs a comp-by-comp read, not a median applied blindly. We price each house on its own updates and lot, tell sellers what the softer year-over-year market will actually bear, and help buyers underwrite renovation cost before the offer — so you know whether a lower number reflects a deal or deferred work.
Elliotts Point in 15 seconds.
Email me new listings in Elliotts PointHomes for Sale
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 Elliotts PointHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Elliotts PointHomes for Sale will answer, and the answer is published on this page for the next buyer.
What it really costs to own in Elliotts PointHomes for Sale
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 $1,969/yr across 3 listings here (MLS tax records, 2026-10-18). |
|---|---|
| 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 1955 across 6 listings. An original roof here would be about 71 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. |
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 Elliotts Point 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 Elliotts Point sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Elliotts Point, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Elliotts Point home worth?
Get a no-obligation home value based on real comparable sales in Elliotts Point, 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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Recently off market in ELLIOTTS POINT 7TH ADDN
Homes in ELLIOTTS POINT 7TH ADDN that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 345 NE Okaloosa Road · off market
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32548, 32569, 32579 |
|---|---|
| Homes in the community | 130 (FL DOR 2025 assessment roll) |
| Years built | 1945–2022 (median 1960.0) |
| Typical living area | 1,922 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Boat Launch, Pets Allowed, Pickleball, Playground, Tennis Court(s) |
| Sale prices, last 12 months | $346,500 median across 6 closed sales · -1.0% vs the prior 12 months |
| Days on market (closed sales) | 118 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 74% |
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, “Elliotts Point key facts,” movewithmomentum.com/neighborhoods/elliotts-point-7th-addn, data as of September 20, 2026.
Housing distress & ownership in ELLIOTTS POINT 7TH ADDN, 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.
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Recent Developments in Elliotts Point 7th Addn
Development, infrastructure, retail, and school activity affecting Elliotts Point 7th Addn, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Parks & Amenities
Okaloosa and Cinco Bayou open upgraded boat ramp with new trailer parking
Okaloosa County and the Town of Cinco Bayou held a ribbon cutting for upgraded boat ramp facilities, including 16 new boat trailer parking spaces, a new restroom and landscaping. The $4.1 million total, funded largely by tourism development funds, also covers the $2.95 million purchase of a former bank building at 198 Eglin Parkway NE. Future dock improvements are planned.
What it may mean for the marketAdded trailer parking and ramp access improve waterfront recreation access for Fort Walton Beach area boaters. The site is about 1 mile northwest of Elliotts Point 7th Addn.
Source: Get The Coast - September 2026Civic
Okaloosa commissioners reject 12-month data center moratorium 3-2
Okaloosa County commissioners voted 3-2 on September 15 against a 12-month data center moratorium. On September 3 the board unanimously directed staff to develop a regulatory framework for data centers, with an outline due within 60 days. No specific project or site was proposed, and commissioners discussed protecting the Shoal River Industrial Park.
What it may mean for the marketThe pending rules will shape where large power-and-land-intensive facilities can locate in the county, including industrial land near Crestview. The project is about 23 miles north of Elliotts Point 7th Addn, elsewhere in Okaloosa County.
Source: Get The Coast - September 2026Parks & Amenities
Destin and Okaloosa County agree on management of 4-acre Holiday Isle state park
Destin and Okaloosa County unanimously agreed to back Destin as manager and developer of the roughly four-acre state-acquired park on Holiday Isle near Norriego Point. In return, Destin council voted 5-2 to offer free parking to all Okaloosa County residents at city-owned lots and parks. The deal still requires state Board of Trustees and DEP review.
What it may mean for the marketManagement of the Holiday Isle park and city parking rules will affect public waterfront access and parking in Destin. The site is about 5 miles east of Elliotts Point 7th Addn.
Source: Get The Coast - June 2026Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
What it may mean for the marketDirects state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 10 miles northeast of Elliotts Point 7th Addn.
Source: Get The Coast - May 2026Development
Okaloosa commissioners approve master plan for 392-lot River Park subdivision in Crestview
Okaloosa County commissioners unanimously approved the master plan for River Park, a 392 lot single family subdivision on 263 acres east of Main Drive and north of Airport Road in Crestview. The project by River Park Landing LLC will be built in three phases, with each phase requiring a separate development order approval.
What it may mean for the marketAdds substantial single family housing supply to the Crestview market and phases new residential construction onto a large tract in north Okaloosa County. The project is about 25 miles north of Elliotts Point 7th Addn, elsewhere in Okaloosa County.
Source: Get The Coast - May 2026Infrastructure
Okaloosa County opens $212M Southwest Crestview Bypass
Okaloosa County opened the $212 million Southwest Crestview Bypass, a 3.5 mile four lane corridor connecting Antioch Road to State Road 85 with access from U.S. Highway 90. The project includes a 1,713 foot bridge, sidewalks, a multi use path, and direct access to the new Pineview K-8 school opening in August 2026.
What it may mean for the marketAdds a major four lane traffic corridor serving southwest Crestview and expands regional road capacity for surrounding growth in north Okaloosa County. The project is about 21 miles north of Elliotts Point 7th Addn, elsewhere in Okaloosa County.
Source: Get The Coast
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Elliotts Point?
How long do homes in Elliotts Point take to sell?
How many homes are in Elliotts Point?
What share of Elliotts Point is owner-occupied?
When were the homes in Elliotts Point built?
Have Elliotts Point home prices gone up?
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Is Elliotts Point a good place to live?
Should you buy in Elliotts Point?
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 17, 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 32548/32569/32579)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1994 (92 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.
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More on Elliotts Point
- Home values · What homes in Elliotts Point actually sell for
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