Garniers Beach
Homes for Sale in Fort Walton Beach, FL
All 385 homes for sale in Fort Walton Beach, FL · median $399,999 · 122 homes for sale in 32547 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, the MLS records 16 closed sales in Garniers Beach 5TH in Fort Walton Beach, FL since 1996, the most recent in July 2024. Across Fort Walton Beach as a whole, 56 homes closed in the last 12 months at a median of $337,500, 55 median days on market, with 399 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,350 ($3,840 with the full homestead exemption).
What sets price in Garniers Beach 5th is condition and what a given owner has done to the structure, not a formula. This is a small pocket of 66 homes with a housing stock that runs from 1959 all the way to 2021, and a median build year around 1960 — so you are largely buying older bones, some of it updated, some of it original. Two homes of the same footprint can trade far apart depending on renovation, and with a median living area near 1,435 square feet, most of what you'll walk is modest and single-story in feel.
Posture right now: this is a hold-heavy pocket, with roughly half the homes homesteaded, so turnover is limited and inventory is thin by definition. For a buyer that means patience and a willingness to move on the right condition when it appears. For a seller it means your comp set is narrow and your finish level does the pricing work — a clean, updated home stands out here, and an original one gets valued as a project.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside GARNIERS BEACH 5TH 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
Garniers Beach 5th is a small, established Fort Walton Beach pocket of 66 homes with no shared amenities identified — the appeal is location and the individual house, not community infrastructure.
Emerald Coast MLS sales records identify 233 homes in GARNIERS BEACH that have changed hands since 2001, built between 1949 and 2021 (median 1956), with a median living area of about 1,458 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.
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.
Who Garniers Beach is best for.
Best for
- Buyers comfortable renovating an older, compact home to their own standard
- Long-hold owner-occupants who value a stable, established pocket over turnover
- Buyers who prioritize a specific Fort Walton Beach location over community amenities
Probably not for
- Buyers who need new construction or move-in-ready finish across the board
- Anyone wanting shared amenities like a pool, gym, or gated entry
- Shoppers who need deep, active inventory and fast options in a single search
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, 198 homes are on the market and 27% are under contract — a steady corner of Fort Walton Beach.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% 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.
Garniers Beach by the numbers
From county property records and closed MLS sales for the Garniers Beach subdivision: 10 homes on record; built 1960–1984; typical size about 1,200 heated sq ft; 3 bedrooms is the median. Housing mix: single-family 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2014 | 1 | $52,000 |
| 2017 | 1 | $162,000 |
| 2018 | 1 | $177,500 |
| 2020 | 1 | $160,000 |
| 2021 | 1 | $225,000 |
| 2024 | 1 | $300,000 |
Newest recorded sale: $300,000 on 2024-07-18.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
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 pocket priced on condition
The spread from 1959 to 2021 tells the real story: most of the neighborhood dates to around 1960, but a handful of newer or fully rebuilt homes exist inside the same streets. That mix is why price here is condition-driven rather than tidy. You should underwrite each home on its own — roof, systems, and whether the kitchens and baths have been touched — because the year on the tax card won't tell you what you're actually buying.
With a median around 1,435 square feet, footprints are compact. There are no community amenities identified from current listings, so nothing subsidizes value beyond the land and the structure itself. That keeps carrying simplicity high but means buyers who want a pool, gym, or gated entry should look elsewhere.
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 66-home pocket with thin turnover and condition-driven pricing, the value is in reading each house correctly — original versus renovated, and what that gap is worth in this specific market. We track this micro-inventory closely and will tell you plainly when a listing is priced as updated but built as a project, or the reverse.
Garniers Beach in 15 seconds.
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 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 →
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32547 |
|---|---|
| Homes in the community | 66 (FL DOR 2025 assessment roll) |
| Years built | 1959–2021 (median 1960.0) |
| Typical living area | 1,435 sq ft (median) |
| Owner-occupied (homestead) share | 51% |
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, “Garniers Beach key facts,” movewithmomentum.com/neighborhoods/garniers-beach-5th, data as of September 20, 2026.
Housing distress & ownership in GARNIERS BEACH 5TH, 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.
More Fort Walton Beach home searches
- All homes for sale in Fort Walton Beach, FL
- Homes for sale in Okaloosa County, FL
- Fort Walton Beach pool homes for sale
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- Fort Walton Beach home values: what is my house worth?
- 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
Real estate agent in Fort Walton Beach? Join Momentum in Fort Walton Beach: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Beachview Drive (20 homes on record)
- Newcastle Drive (8 homes on record)
- Spencer Drive (5 homes on record)
- Newcastle Drive (4 homes on record)
- Spencer Drive (4 homes on record)
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.
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.
Recent Developments in Garniers Beach 5th
Development, infrastructure, retail, and school activity affecting Garniers Beach 5th, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Infrastructure
Okaloosa outlines Gap Creek drainage projects and permitting hurdles in Fort Walton Beach
County staff described five stormwater efforts, including the Overbrook drainage work, a planned 2.67-acre Sylvania Heights stormwater park estimated at $4 million, and Lloyd Street and Mayflower Avenue improvements expected to go to bid in early 2027. Air Force environmental review and state and Army Corps permits for dredging complicate the timeline.
What it may mean for the marketPlanned drainage upgrades could reduce flooding exposure in the Gap Creek basin over time, though permitting delays mean relief is likely several years out. The site is less than a mile north of Garniers Beach 5th.
Source: Get The Coast - October 2026Retail & Dining
7 Brew drive-thru coffee stand opens on Beal Parkway in Fort Walton Beach
The stand at 799 Beal Parkway opened Oct. 19 and is the chain's second in Fort Walton Beach. It is expected to add 75 local jobs, and an opening fundraiser raised $4,661 for an equine therapy nonprofit.
What it may mean for the marketA new drive-thru option along Beal Parkway adds early-morning and late-night food and beverage access and about 75 jobs nearby. The site is about 2 miles northwest of Garniers Beach 5th.
Source: Get The Coast - October 2026Retail & Dining
TJ Maxx to open 33,865-square-foot Destin store Nov. 1 at Paradise Key
The off-price retailer opens at 4437 Commons Drive East with a grand opening from 8 a.m. to 8 p.m. on Nov. 1. Regular hours run 9:30 a.m. to 9:30 p.m. daily, and the store sells apparel, accessories, jewelry, and home and beauty goods.
What it may mean for the marketA new national off-price anchor adds everyday shopping close to Destin's commercial corridor and may shorten trips for retail needs. The project is about 11 miles east of Garniers Beach 5th, elsewhere in Okaloosa County.
Source: Get The Coast - 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 less than a mile north of Garniers Beach 5th.
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 project is about 6 miles east of Garniers Beach 5th, elsewhere in Okaloosa County.
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 Garniers Beach 5th.
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
How many homes are in Garniers Beach?
What share of Garniers Beach is owner-occupied?
When were the homes in Garniers Beach built?
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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
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32547)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1996 (16 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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