Emerald Estates
Homes for Sale in Mary Esther, FL
All 71 homes for sale in Mary Esther, FL · median $324,900 · 79 homes for sale in 32569 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, Emerald Estates in Mary Esther, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $349,500, a median 3 days on market, sellers accepting 100% of original asking (+4% versus the prior year). Homes listed or recently sold were built 1994–1995. At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,510 ($4,000 with the full homestead exemption).
| Location | Mary Esther, Okaloosa County, FL · ZIP 32569 |
|---|---|
| Homes in the community | 51 (FL DOR 2025 assessment roll) |
| Years built | 1993–1996 (median 1994) |
| Typical living area | 1,655 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Sale prices, last 12 months | $349,500 median across 3 closed sales · +3.6% vs the prior 12 months |
| Days on market (closed sales) | 3 median |
| For sale right now | 1 active, 1 pending · median asking $299,000 · 4.0 months of supply |
| Owner-occupied (homestead) share | 65% |
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, “EMERALD ESTATES key facts,” movewithmomentum.com/neighborhoods/emerald-estates--okaloosa, data as of September 20, 2026.
Emerald Estates 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).
🟡 Still climbing. The trailing-12-month median ($350K) is up 3.6% from the prior 12 months ($337K). With about 2 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 (3 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 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
Emerald Estates market snapshot (as of September 20, 2026): the median sale price is about $350K, a median 3 days on market for closed sales, and 4.0 months of supply, a balanced market. The trailing-12-month median is up 4% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (3 closings in the current window).
In ZIP 32569 (Mary Esther), 304 homes closed in the last 12 months at a median of $325K ($218/sq ft), up 0.1% year over year, with a median 51 days on market. Right now 77 active and 41 pending listings put supply at about 3.9 months — a balanced market. See the live ZIP 32569 housing market and the Okaloosa County market.
County records show 3 qualified sales in EMERALD ESTATES across 2024–2025 (1 in 2024, 2 in 2025), median $329,500 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Emerald Estates is a community of 51 homes in Mary Esther, Okaloosa County, built between 1993 and 1996 (median 1994), with a median living area of about 1,655 square feet. 65% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Emerald Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Emerald EstatesPhotos from Emerald Coast MLS listings in Emerald Estates; content deemed reliable but not guaranteed.
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 ($350K) IS the median in the snapshot above, and the move from 2025 ($337K) IS the +3.6% one-year change.
Windows contain 0 to 4 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.
29% of homes for sale in ZIP 32569 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 (2026-09-27).
Emerald Estates Market Scorecard
Emerald Estates is currently a balanced market. About 4.0 months of supply, a median asking price of $299,000, and homes go under contract in about 65 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 EMERALD ESTATES, Mary Esther
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 Emerald Estates
Live MLS inventory for Emerald Estates. 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 Emerald Estates listings as of 2026-09-26, 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 Emerald Estates Okaloosa Right Now (2)
All 2 active and pending Emerald Estates Okaloosa listings with a detail page, newest first, refreshed twice a day from the MLS.
- 41 Ruby Circle · $299,000 · 4 bd / 2 ba · listed Sep 2, 2026 · listed by Go Coastal Real Estate
- 23 Ruby Circle · $349,900 · 3 bd / 2 ba · pending · listed Jun 30, 2026 · listed by Keller Williams Realty FWB
Emerald Estates 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
- Florosa · Elementary
- Bruner · Middle
- Fort Walton Beach · High
Zoned schools reflect the assignments reported on recent Emerald Estates 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 Emerald Estates address.
Shop the zone: Homes zoned for Fort Walton Beach High School
The Emerald Estates buying strategy.
If we were buying in Emerald Estates 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 Emerald Estates.
A closer look at the Emerald Estates market
Homes in Emerald Estates trade around a median of $350K, where condition and lot do more to set the final number than the asking price does.
Inventory runs at 4.0 months of supply, a balanced market and the trailing-12-month median up 4% year over year. Homes that do trade take a median 3 days on market, useful leverage on any listing that has lingered.
The housing stock is 51 homes built between 1993 and 1996, and 65% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Emerald Estates. 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 Emerald Estates 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 (7.3). Basis: Recent Direction +3.6% year-over-year; Liquidity & Demand 4.0 months of supply; Owner Commitment 65% owner-occupied; Pricing Power 100.0% sale-to-list. Refreshed with each data update.
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 Emerald Estates 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 Emerald Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Emerald Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Emerald Estates home worth?
Get a no-obligation home value based on real comparable sales in Emerald Estates, 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 Mary Esther →
Frequently Asked Questions
What is the median home price in Emerald Estates?
How long do homes in Emerald Estates take to sell?
Is Emerald Estates a buyer's or seller's market right now?
How many homes are in Emerald Estates?
What share of Emerald Estates is owner-occupied?
When were the homes in Emerald Estates built?
Who is the best real estate agent for Emerald Estates?
How do I find a top Mary Esther real estate agent who knows Emerald Estates?
Can Momentum Realty connect me with an agent for Emerald Estates?
Where is Emerald Estates, and what county is it in?
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 26, 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 32569)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1997 (42 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how EMERALD ESTATES fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Emerald Estates with Momentum Realty’s local guides.