Howard Gill S/D
Homes for Sale in Fort Walton Beach, FL
All 408 homes for sale in Fort Walton Beach, FL · median $396,000 · 280 homes for sale in 32548 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 5 closed sales in Howard Gill S/D in Fort Walton Beach, FL since 2002, the most recent in November 2021. Across Fort Walton Beach as a whole, 287 homes closed in the last 12 months at a median of $357,612, 39 median days on market, with 99 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,610 ($4,100 with the full homestead exemption).
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32548 |
|---|---|
| Homes in the community | 21 (FL DOR 2025 assessment roll) |
| Years built | 1953–2018 (median 1989) |
| Typical living area | 1,286 sq ft (median) |
| Owner-occupied (homestead) share | 50% |
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, “HOWARD GILL S/D key facts,” movewithmomentum.com/neighborhoods/howard-gill-s-d, data as of September 20, 2026.
Howard Gill S/D is a small subdivision in Fort Walton Beach, and with no community amenities pulled from current MLS listings, price here is driven by the individual home rather than by anything the neighborhood provides in common. Lot, layout, condition, and how recently a home has been updated will do the heavy lifting on value — expect a wide spread between a dated property and a renovated one on comparable ground.
Because there is no amenity structure or HOA-style shared package steering the market, both sides should underwrite on the house itself. Buyers should price condition honestly and not assume a location premium the data does not show; sellers should lead with what has actually been improved, because that is what a buyer here is paying for.
Nearby homes for sale
No active listings inside HOWARD GILL S/D 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
This is a modest, self-contained pocket of Fort Walton Beach in Okaloosa County with no shared amenities on record — the appeal is the location within the city and the merits of each specific home, not a community feature set.
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 Howard Gill S/D is best for.
Best for
- Buyers focused on a particular home's condition and lot rather than a neighborhood amenity package
- Value-minded buyers willing to price a dated property honestly and budget for updates
- Buyers who want a compact, low-frills location within Fort Walton Beach
Probably not for
- Buyers who expect a pool, clubhouse, or other shared amenities
- Buyers wanting a large, uniform subdivision with predictable, narrow pricing
- Buyers unwilling to underwrite value house-by-house on condition and comps
The market around Howard Gill S/D
Howard Gill S/D 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 Howard Gill S/D specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in HOWARD GILL 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 Howard Gill S/D buying strategy.
If we were buying in Howard Gill 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 Howard Gill S/D.
A house-by-house market
With no community amenities identified from current listings, there is little to abstract away from here — you are evaluating a single property in a specific spot in Fort Walton Beach, and the comps that matter most are the ones closest in condition and lot to what you are considering.
That makes diligence straightforward but unforgiving. Roof, systems, and any recent updates carry the valuation, so read the inspection and the improvement history carefully rather than leaning on a neighborhood story that the facts do not supply.
The location and the amenities are priced into every listing in Howard Gill S/D. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a small subdivision with no amenity data to lean on, the value question is entirely about the individual home and its closest comparables. We work the condition-adjusted comps property by property, tell you plainly where a home sits on that spread, and keep you from paying for a premium the market here does not support.
Howard Gill 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 Howard Gill 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 Howard Gill 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 Howard Gill 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 Howard Gill S/D home worth?
Get a no-obligation home value based on real comparable sales in Howard Gill 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.
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Frequently Asked Questions
How many homes are in Howard Gill S/D?
What share of Howard Gill S/D is owner-occupied?
When were the homes in Howard Gill S/D built?
Who is the best real estate agent for Howard Gill S/D?
How do I find a top Fort Walton Beach real estate agent who knows Howard Gill S/D?
Can Momentum Realty connect me with an agent for Howard Gill S/D?
Where is Howard Gill S/D, and what county is it in?
Should you buy in Howard Gill S/D?
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 (1 streets, ZIP 32548)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2002 (5 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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