Gulf Dunes
Homes for Sale in Fort Walton Beach, FL
All 408 homes for sale in Fort Walton Beach, FL · median $396,000 · 152 homes for sale in 32548 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, Gulf Dunes in Fort Walton Beach, FL has 1 home for sale. Homes listed or recently sold were built 1999–1999.
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32548 |
|---|---|
| Homes in the community | 35 (FL DOR 2025 assessment roll) |
| Years built | 1965–2003 (median 1970) |
| Typical living area | 2,376 sq ft (median) |
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | Pool, BBQ Pit/Grill, Beach, Elevators, TV Cable, Tennis Court(s) |
| For sale right now | 1 active, 0 pending · median asking $624,900 · 3.0 months of supply |
| Owner-occupied (homestead) share | 56% |
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, “GULF DUNES key facts,” movewithmomentum.com/neighborhoods/gulf-dunes, data as of September 20, 2026.
Gulf Dunes is a small enclave in Fort Walton Beach, and right now the entire picture is a single active listing. With one home on the market, there is no spread to average out — price here is set almost entirely by the individual property: its condition, its location within the community, and how it stacks up against the wider Emerald Coast inventory a buyer could substitute for it.
For a buyer, that means the read is one-property specific — there is no comparison shopping inside Gulf Dunes itself, so patience and a willingness to look at nearby alternatives matter. For a seller, thin competition can be an advantage, but it also means the market has almost no local comps to anchor a number, so pricing leans on broader Fort Walton Beach data and the home's own merits.
Gulf Dunes 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 September 20, 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 September 28, 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
Gulf Dunes is a small Fort Walton Beach community in Okaloosa County that, as of mid-2026, is showing just one active listing — a market you evaluate one home at a time rather than by neighborhood trend.
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 Gulf Dunes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Gulf DunesPhotos from Emerald Coast MLS listings in Gulf Dunes; content deemed reliable but not guaranteed.
Who Gulf Dunes is best for.
Best for
- Buyers set on a Fort Walton Beach location who found the one home that works
- Decisive buyers comfortable evaluating a single property on its own merits
- Sellers who want to list into a market with minimal local competition
Probably not for
- Buyers who need several options to compare side by side
- Buyers who want a community with identified shared amenities
- Anyone relying on neighborhood price trends to time a purchase
The market around Gulf Dunes
Gulf Dunes is too small for its own price trend, so here is the market around it.
In ZIP 32548, 322 homes are on the market and 15% are under contract — a slower corner of Fort Walton Beach.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
In ZIP 32548 (Fort Walton Beach), 338 homes closed in the last 12 months at a median of $325K, up 11.9% year over year, with a median 41 days on market. Right now 112 active and 32 pending listings put supply at about 5.0 months — a balanced market. See the live ZIP 32548 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Gulf Dunes specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in GULF DUNES, 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.
Homes For Sale Right Now in Gulf Dunes
Live MLS inventory for Gulf Dunes. 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 Gulf Dunes 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 Gulf Dunes Right Now (1)
All 1 active and pending Gulf Dunes listings with a detail page, newest first, refreshed twice a day from the MLS.
- 376 Santa Rosa Boulevard #115 (2nd floor) · $624,900 · 2 bd / 2 ba · listed Jun 27, 2026 · listed by JC Coastal Real Estate
Gulf Dunes 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
- Elliott Point · Elementary
- Bruner · Middle
- Fort Walton Beach · High
Zoned schools reflect the assignments reported on recent Gulf Dunes 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 Gulf Dunes address.
Shop the zone: Homes zoned for Fort Walton Beach High School
The Gulf Dunes buying strategy.
If we were buying in Gulf Dunes 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 Gulf Dunes.
A one-listing market
With a single active listing and no community amenities identified from current MLS data, Gulf Dunes doesn't offer the kind of dataset that supports trend analysis. There is no inventory depth to reveal whether the community is heating up or cooling, and no shared-amenity story to lean on. What you have is a location in Fort Walton Beach and one specific home to judge on its own terms.
That makes homework on the individual property essential — condition, layout, lot position, and how its asking price compares to substitutable homes elsewhere in the area. Treat the current listing as a standalone opportunity, not a proxy for a larger market you can time.
The location and the amenities are priced into every listing in Gulf Dunes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this thin on data, the value is in judgment, not dashboards. We'll walk you through how the one available home compares to alternatives across Fort Walton Beach and the wider Emerald Coast, and we'll tell you plainly when the number doesn't hold up — or when there simply isn't enough to buy here right now.
Gulf Dunes 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 Gulf Dunes 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 Gulf Dunes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Gulf Dunes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Gulf Dunes home worth?
Get a no-obligation home value based on real comparable sales in Gulf Dunes, 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 →
16% of homes for sale in ZIP 32548 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).
Frequently Asked Questions
Is Gulf Dunes a buyer's or seller's market right now?
How many homes are in Gulf Dunes?
What share of Gulf Dunes is owner-occupied?
When were the homes in Gulf Dunes built?
Who is the best real estate agent for Gulf Dunes?
How do I find a top Fort Walton Beach real estate agent who knows Gulf Dunes?
Can Momentum Realty connect me with an agent for Gulf Dunes?
Where is Gulf Dunes, and what county is it in?
Should you buy in Gulf Dunes?
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: September 26, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32548)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1999 (6 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 GULF DUNES fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Gulf Dunes with Momentum Realty’s local guides.