Garniers Beach
Homes for Sale in Fort Walton Beach, FL
All 380 homes for sale in Fort Walton Beach, FL · median $399,950 · 124 homes for sale in 32547 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of November 2026, Garniers Beach in Fort Walton Beach, FL has 2 homes for sale. Homes listed or recently sold were built 1949–1965; 1 of the 9 geocoded homes sit in a FEMA special flood hazard zone (median elevation 11 ft).
Last 30 days in Garniers Beach: 1 new listing (median asking $255,900), 1 under contract right now. 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.
Price here is driven by lot and location more than by finish. The housing stock leans old — a median build year of 1959, with some structures dating back to 1949 and a handful as recent as 2024 — so what you pay tracks condition, renovation level, and proximity to the water far more than any published number. The median sits at $337,000, and with a median footprint around 1,729 square feet, expect compact, older coastal homes where the spread between a tired original and a full remodel is wide.
The market posture is fast and thin. A median of 3.5 days on market against a single active listing tells you demand clears inventory almost immediately, and a heat score of 76 backs that up. For sellers, a clean, well-presented home moves quickly. For buyers, you need financing lined up and a willingness to act on short notice — there is rarely more than one option at a time to weigh.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Garniers Beach right now
🟡 Balanced market. 3.4 months of supply and 33% 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 (3 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 60-Second Overview
Garniers Beach is a small, established pocket of Fort Walton Beach where older coastal homes trade quickly and value hinges on condition and location rather than square footage. With 505 homes and a homestead share around 63%, it reads as a lived-in neighborhood rather than a rental-heavy one.
Emerald Coast MLS sales records identify 239 homes in GARNIERS BEACH that have changed hands since 2001, built between 1949 and 2026 (median 1956), with a median living area of about 1,468 sq ft and a typical 3-bedroom, 2-bath layout; 100% are single-family homes. Source: Emerald Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 7 qualified sales in GARNIERS BEACH across 2024–2025 (3 in 2024, 4 in 2025), median $382,000 — 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.
The setting & the homes.
Aerial and on-site photos of Garniers Beach. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Garniers BeachPhotos from Emerald Coast MLS listings in Garniers Beach; content deemed reliable but not guaranteed.
Who Garniers Beach is best for.
Best for
- Buyers targeting an established coastal neighborhood around the $337,000 median who can commit quickly
- Renovation-minded buyers comfortable taking on an older home built decades ago
- Owner-occupants who want to hold — the homestead share sits around 63%
Probably not for
- Buyers who require new or nearly-new construction on a larger footprint
- Shoppers who want a wide selection to compare, given a single active listing
- Anyone who needs a slow, unhurried buying timeline in a market that clears in days
The market around Garniers Beach
Garniers Beach is too small for its own price trend, so here is the market around it.
In ZIP 32547, 149 homes are on the market and 19% are under contract — a steady corner of Fort Walton Beach.
Across Okaloosa County, 1,691 homes are active and 403 pending (19% under contract).
In ZIP 32547 (Fort Walton Beach), 65 homes closed in the last 12 months at a median of $325K, up 10.3% year over year, with a median 29 days on market. Right now 23 active and 8 pending listings put supply at about 4.2 months — a balanced market. See the live ZIP 32547 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Garniers Beach specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Garniers Beach
Live MLS inventory for Garniers Beach. 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 · 105 daysTop listingActive · 4 daysPending · 14 daysActive and pending Garniers Beach 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.
Garniers Beach 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
- Wright · Elementary
- Pryor · Middle
- Choctawhatchee · High
Zoned schools reflect the assignments reported on recent Garniers Beach 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 Garniers Beach address.
Shop the zone: Homes zoned for Choctawhatchee High School
The Garniers Beach buying strategy.
If we were buying in Garniers Beach 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 Garniers Beach.
An older coastal grid that turns over fast
The defining trait is age and scale. Homes here were largely built decades ago — median year 1959 — on a compact footprint that averages just over 1,700 square feet. That means original-condition properties and gut renovations sit side by side, and the median price of $337,000 masks a real gap between the two. Buyers should budget for their read of condition, not for the headline figure.
The pace tells the rest of the story. At a median of 3.5 days on market with one active listing, this is not a browse-at-your-leisure community. Prices are up 5.3% year over year and 164% since 2012, so the direction of travel has been steady, but the practical takeaway for today is speed: inventory is scarce and it does not linger.
The location and the amenities are priced into every listing in Garniers Beach. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin and this fast, timing and condition judgment are everything. With one active listing at a time and a median of 3.5 days on market, we position sellers to present clean and price to the median honestly, and we get buyers pre-positioned so they can move the day the right older home surfaces. We will also tell you plainly when a property's condition does not justify its ask.
Garniers Beach in 15 seconds.
Tools for a Garniers Beach 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 Garniers Beach sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Garniers Beach, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Garniers Beach home worth?
Get a no-obligation home value based on real comparable sales in Garniers Beach, 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 →
Recently off market in GARNIERS BEACH
Homes in GARNIERS BEACH 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. 2 on record.
- 215 NE Highway Avenue · off market
- 920 NE Beachview Drive · off market
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32547 |
|---|---|
| Homes in the community | 164 (FL DOR 2025 assessment roll) |
| Years built | 1949–2023 (median 1951.0) |
| Typical living area | 2,146 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Boat Launch, Beach, Fishing, Picnic Area, Playground, Short Term Rental - Allowed |
| For sale right now | 2 active, 1 pending · median asking $299,950 · 3.4 months of supply |
| Owner-occupied (homestead) share | 67% |
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, “Garniers Beach key facts,” movewithmomentum.com/neighborhoods/garniers-beach, data as of November 9, 2026.
Housing distress & ownership in GARNIERS BEACH, 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.
Just listed in Garniers Beach
The newest homes for sale in Garniers Beach right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 501 NE Woodrow Street $255,900 · 2 bd · 2 ba · listed Nov 6, 2026 Courtesy of Thumma Realty Inc
- 226 NE Bradley Drive $344,000 · 4 bd · 2 ba · listed Jul 28, 2026 Courtesy of Keller Williams Realty FWB
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Garniers Beach Right Now (3)
All 3 active and pending Garniers Beach listings with a detail page, newest first, refreshed twice a day from the MLS.
- 501 NE Woodrow Street · $255,900 · 2 bd / 2 ba · listed Nov 5, 2026 · listed by Thumma Realty Inc
- 217 NE Highway Avenue · $299,000 · 3 bd / 1 ba · pending · listed Oct 14, 2026 · listed by ERA American Real Estate
- 226 NE Bradley Drive · $344,000 · 4 bd / 2 ba · listed Aug 13, 2026 · listed by Keller Williams Realty FWB
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- ZIP 32547 housing scorecard
Fort Walton Beach guides & data
- Market data
- Property taxes (Okaloosa County)
- Homestead exemption (Okaloosa County)
- Home insurance cost
- New construction
- New construction (Okaloosa County)
- ZIP codes
- 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
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19% of homes for sale in ZIP 32547 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).
GARNIERS BEACH Market Scorecard
GARNIERS BEACH is currently a seller's market. About 3.4 months of supply, a median asking price of $299,950, and homes go under contract in about 56 days.
Typical home value in the 32547 ZIP is $313,654, about 6.7% 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.
What it really costs to own in Garniers Beach
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 $3,297/yr across 7 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 1950 across 7 listings. An original roof here would be about 76 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 Garniers Beach
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 Garniers Beach
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Garniers Beach will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
Is Garniers Beach a buyer's or seller's market right now?
How many homes are in Garniers Beach?
What share of Garniers Beach is owner-occupied?
When were the homes in Garniers Beach built?
Who is the best real estate agent for Garniers Beach?
How do I find a top Fort Walton Beach real estate agent who knows Garniers Beach?
Can Momentum Realty connect me with an agent for Garniers Beach?
Where is Garniers Beach, and what county is it in?
Should you buy in Garniers Beach?
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: November 11, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32547)) |
| 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.
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