Garden City
Homes for Sale in Crestview, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
As of September 2026, Garden City in Crestview, FL has 5 homes for sale, asking from $270,000 to $299,900 (median $275,000). Over the 12 months ending 2026-09-12, 6 recorded sales closed at a median of $297,000, a median 10 days on market, sellers accepting 100% of original asking (+16% versus the prior year). Homes listed or recently sold were built 2022–2026 with 1 new construction; none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 265 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $3,830 ($3,320 with the full homestead exemption).
Homes For Sale Right Now in Garden City
Live MLS inventory for Garden City. 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 · 44 daysTop listing
Active · 86 days
Active · 37 days
Active · 17 days
Active · 22 daysActive and pending Garden City listings as of 2026-07-25, 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.
Garden City right now
🟢 Still climbing. The trailing-12-month median ($297K) is up 16.5% from the prior 12 months ($255K). With about 7 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 12. Confidence: Low (6 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 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
Garden City market snapshot (as of September 12, 2026): the median sale price is about $297K, and a median 10 days on market for closed sales. The trailing-12-month median is up 16% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (6 closings in the current window).
The setting & the homes.
Aerial and on-site photos of Garden City. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Garden CityGarden CityGarden CityGarden CityGarden CityPhotos from Emerald Coast MLS listings in Garden City; 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 12 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($297K) IS the median in the snapshot above, and the move from 2025 ($255K) IS the +16.5% one-year change.
Windows contain 0 to 23 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.
GARDEN CITY Market Scorecard
GARDEN CITY is currently a thin data market. Limited supply, a median asking price of $275,000, and homes go under contract in about 37 days.
Typical home value in the 32539 ZIP is $284,748, about 21.2% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in GARDEN CITY, Crestview
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.
Garden City 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
- Walker · Elementary
- Davidson · Middle
- Crestview · High
Zoned schools reflect the assignments reported on recent Garden City 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 Garden City address.
The Garden City buying strategy.
If we were buying in Garden City 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 Garden City.
A closer look at the Garden City market
Homes in Garden City trade around a median of $297K, where condition and lot do more to set the final number than the asking price does.
The trailing-12-month median up 16% year over year. Homes that do trade take a median 10 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Garden City. The deal is won or lost on condition, the comps, and the renovation math.
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 Garden City 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 Garden City sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Garden City, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Garden City home worth?
Get a no-obligation home value based on real comparable sales in Garden City, 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 homes for sale in Garden City on the map →
Frequently Asked Questions
What is the median home price in Garden City?
How long do homes in Garden City take to sell?
Who is the best real estate agent for Garden City?
How do I find a top Crestview real estate agent who knows Garden City?
Can Momentum Realty connect me with an agent for Garden City?
Nearby Communities
Explore more neighborhoods near Garden City with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: July 25, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2002 (77 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 GARDEN CITY fits the bigger picture — live prices, inventory, and Momentum Scores: