Emerald Estates
Homes for Sale in Mary Esther, FL
All 64 homes for sale in Mary Esther, FL · median $324,900 · 66 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 November 2026, Emerald Estates in Mary Esther, FL has 1 home for sale. Homes listed or recently sold were built 1994–1995; none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 33 ft).
Last 30 days in Emerald Estates: 1 closed sale (median $353,900). As of November 11, 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.
Emerald Estates right now
🟡 Balanced market. 3.0 months of supply and 0% 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 November 9, 2026. Confidence: Low (1 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 12, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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
Emerald Estates
Emerald Estates
Emerald Estates
Emerald Estates
Emerald EstatesPhotos from Emerald Coast MLS listings in Emerald Estates; content deemed reliable but not guaranteed.
The market around Emerald Estates
Emerald Estates is too small for its own price trend, so here is the market around it.
In ZIP 32569, 84 homes are on the market and 18% are under contract — a slower corner of Mary Esther.
Across Okaloosa County, 1,691 homes are active and 403 pending (19% under contract).
ZIP and county figures describe the wider market, not Emerald Estates specifically. Momentum Research analysis of MLS records.
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 2026-11-11, 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.
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 contributors.
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
Inventory runs at 3.0 months of supply, a balanced market.
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.
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 →
Recently off market in EMERALD ESTATES
Homes in EMERALD ESTATES 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.
- 23 Ruby Circle · off market
| 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% |
| For sale right now | 1 active, 0 pending · median asking $299,000 · 3.0 months of supply |
| Owner-occupied (homestead) share | 65% |
Data as of November 9, 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 November 9, 2026.
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.
Every Home for Sale in Emerald Estates Okaloosa Right Now (1)
All 1 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
More Mary Esther home searches
- All homes for sale in Mary Esther, FL
- Homes for sale in Okaloosa County, FL
- Mary Esther home values: what is my house worth?
- ZIP 32569 housing scorecard
- 8 coming-soon communities in Okaloosa County
Mary Esther guides & data
- Market data
- Property taxes (Okaloosa County)
- Homestead exemption (Okaloosa County)
- Home insurance cost
- New construction
- New construction (Okaloosa County)
- Home builders (Okaloosa County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Ruby Circle (26 homes on record)
What it really costs to own in Emerald Estates
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 $1,581/yr across 4 listings here (MLS tax records, 2026-11-12). |
|---|---|
| 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 1994 across 4 listings. An original roof here would be about 32 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. |
Email me new listings in Emerald Estates
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 Emerald Estates
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Emerald Estates will answer, and the answer is published on this page for the next buyer.
21% 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 (2026-11-12).
Price History: What Homes Here Have Actually Sold For
Median sale prices in Emerald Estates Okaloosa year by year since 2021, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
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: November 11, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32569)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (1 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. A Momentum agent can 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: