Harris S/D
Homes for Sale in Fort Walton Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, Harris S/D in Fort Walton Beach, FL has 1 home for sale. As of September 2026, the MLS records 12 closed sales in Harris S/D in Fort Walton Beach, FL since 1993, the most recent in August 2025.
In HARRIS S/D, price is driven almost entirely by condition and scope of work, not by a uniform product type. With a build range running from 1948 to 2024 and a median vintage around 1980, this is a subdivision where an original mid-century house and a recent rebuild can sit on the same street. That spread means the median sale figure tells you less than usual — what you pay tracks directly to how much updating has already been done.
Inventory is thin: one active listing against a small base of 65 homes, and closings have been light in the current window. For a seller, scarcity of competing listings can work in your favor, but with so few recent trades there is no deep comp set to lean on — pricing has to be built house by house. For a buyer, patience matters more than urgency; the right home here surfaces occasionally rather than constantly.
The 60-Second Overview
HARRIS S/D is a small, established pocket of Fort Walton Beach where the housing stock has turned over unevenly across decades, so the practical question is less "what's the neighborhood price" and more "what condition is this specific house in."
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 Harris S/D is best for.
Best for
- Buyers comfortable evaluating older homes and pricing on condition rather than a neighborhood average
- Renovation-minded buyers looking for a mid-sized house to update over time
- Patient buyers who can wait for the right listing in a low-inventory pocket
Probably not for
- Buyers who need shared community amenities on site
- Buyers who want a wide, always-available selection and quick options
- Buyers seeking uniform, newer construction with predictable comps
The market around Harris S/D
Harris S/D is too small for its own price trend, so here is the market around it.
In ZIP 32547, 277 homes are on the market and 32% are under contract — a fast-moving corner of Fort Walton Beach.
Across Okaloosa County, 2,265 homes are active and 765 pending (25% under contract).
ZIP and county figures describe the wider market, not Harris S/D specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in HARRIS S/D, 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.
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.
HARRIS S/D Market Scorecard
HARRIS S/D is currently a thin data market. Limited supply, a median asking price of $435,000, and homes go under contract in about 65 days.
Typical home value in the 32547 ZIP is $316,555, about 6.4% 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.
Homes For Sale Right Now in Harris S/D
Live MLS inventory for Harris S/D. 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 Harris S/D listings as of 2026-09-12, 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.
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Kenwood · Elementary
- Pryor · Middle
- Choctawhatchee · High
Zoned schools reflect the assignments reported on recent Harris S/D 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 Harris S/D address.
The Harris S/D buying strategy.
If we were buying in Harris S/D 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 Harris S/D.
A condition-driven pocket, not a cookie-cutter tract
The defining feature here is age diversity. A build range from 1948 through 2024, with the median around 1980, means you are shopping a mix of original older homes, mid-life houses, and the occasional new or fully rebuilt property. Median living area sits near 1,900 square feet, which points to functional, mid-sized floor plans rather than either tight cottages or sprawling estates — but that median hides real variation from house to house.
Homestead share is just under half, so this is not a pure owner-occupied enclave; a meaningful portion of the 65 homes are held as something other than a primary residence. No community amenities show up in current MLS data, so buy here for the location and the individual house, not for shared facilities. The takeaway: inspect carefully, value on condition, and treat each listing on its own merits.
The location and the amenities are priced into every listing in Harris S/D. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a subdivision this small with this few recent trades, valuation is a hands-on exercise — there is no thick comp set to average your way to a number. We build the price from the house itself: age, updates, square footage, and how it stacks against the handful of relevant sales rather than a broad neighborhood figure. That discipline protects both a seller from mispricing and a buyer from overpaying for deferred work.
Harris S/D 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 Harris S/D 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 Harris S/D sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harris S/D, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harris S/D home worth?
Get a no-obligation home value based on real comparable sales in Harris S/D, 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 Harris S/D on the map →
Should you buy in Harris S/D?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Harris S/D with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 1993 (12 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.
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See how HARRIS S/D fits the bigger picture — live prices, inventory, and Momentum Scores: