Indian Springs
Homes for Sale in Holt, FL
All 9 homes for sale in Holt, FL · median $255,000 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, Indian Springs in Holt, FL has 1 home for sale. As of October 2026, the MLS records 14 closed sales in Indian Springs in Holt, FL since 2002, the most recent in April 2024.
| Location | Holt, Okaloosa County, FL · ZIP 32564 |
|---|---|
| Homes in the community | 30 (FL DOR 2025 assessment roll) |
| Years built | 1975–2023 (median 2006.5) |
| Typical living area | 1,610 sq ft (median) |
| For sale right now | 1 active, 0 pending · median asking $264,900 |
| Owner-occupied (homestead) share | 48% |
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, “INDIAN SPRINGS key facts,” movewithmomentum.com/neighborhoods/indian-springs--okaloosa, data as of September 20, 2026.
Last 30 days in Indian Springs: 1 new listing (median asking $264,900). As of July 25, 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 in Indian Springs is driven by condition and vintage more than by any neighborhood premium. With homes built anywhere from 1975 to 2023 and a median year built around 2006, two houses on the same street can sit at very different points on the age-and-updates curve, and that spread does more to set a number than location does.
This is a thin market: 30 homes total and just one active listing as of mid-2026. For a seller, that scarcity can work in your favor if your home shows well, because a buyer has almost nothing else to compare against inside the community. For a buyer, it means patience — you may wait for the right listing rather than choose from several, so knowing what you'll accept on age and condition ahead of time matters.
The 60-Second Overview
Indian Springs is a small pocket in Holt, out in Okaloosa County, where the housing stock spans nearly five decades and turnover is rare. Expect a rural setting and a limited menu of listings at any given time.
Emerald Coast MLS sales records identify 10 homes in INDIAN SPRINGS that have changed hands since 2005, built between 1999 and 2018 (median 2006), with a median living area of about 1,680 sq ft and a typical 3-bedroom, 2-bath layout. 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 Indian Springs is best for.
Best for
- Buyers set on a rural Okaloosa County location who will wait for the right home rather than rush a purchase
- Owner-occupants comfortable with a modest footprint around 1,600 square feet
- Budget-focused buyers willing to take on an older home and update it themselves
Probably not for
- Buyers who want community amenities or an HOA-managed setting
- Anyone needing several comparable listings to shop and compare at the same time
- Buyers looking for a large-footprint home well above the community median
The market around Indian Springs
Indian Springs is too small for its own price trend, so here is the market around it.
In ZIP 32564, 10 homes are on the market and 10% are under contract — a slower corner of Holt.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
In ZIP 32564 (Holt), 26 homes closed in the last 12 months at a median of $364K ($236/sq ft), up 28.2% year over year, with a median 55 days on market. Right now 5 active and 3 pending listings put supply at about 3.8 months — a balanced market. See the live ZIP 32564 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Indian Springs specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in INDIAN SPRINGS, Holt
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 Indian Springs
Live MLS inventory for Indian Springs. 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 Indian Springs listings as of 2026-07-25, 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 Indian Springs Okaloosa Right Now (1)
All 1 active and pending Indian Springs Okaloosa listings with a detail page, newest first, refreshed twice a day from the MLS.
- 940 Hiawatha Street · $264,900 · 3 bd / 2 ba · listed Jul 14, 2026 · listed by Coldwell Banker Realty
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Baker · Elementary
- Baker · Middle
- Baker · High
Zoned schools reflect the assignments reported on recent Indian Springs 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 Indian Springs address.
Shop the zone: Homes zoned for Baker Elementary School · Homes zoned for Baker High School
The Indian Springs buying strategy.
If we were buying in Indian Springs 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 Indian Springs.
A small, mixed-vintage pocket in rural Okaloosa
With a median living area around 1,610 square feet, most of what trades here is modest in footprint rather than sprawling. The wide build range — from the mid-1970s to as recently as 2023 — means you'll find both older homes that may want updating and newer construction, and that gap is the single biggest factor to underwrite before you make an offer.
No community amenities turn up in the current MLS listings, so this is not an association-and-clubhouse setting; the appeal is the home and its lot in a rural Holt location. Roughly half the homes carry a homestead exemption, which points to a community held largely by owner-occupants rather than a heavy rental footprint.
The location and the amenities are priced into every listing in Indian Springs. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this small, comps are scarce and condition swings the price, so a lazy valuation misses badly in both directions. We price and negotiate off what the actual home is — its age, its updates, its lot — because there simply aren't enough recent sales to lean on a formula, and we'll tell you plainly when a listing is worth waiting for or worth walking from.
Indian Springs 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 Indian Springs 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 Indian Springs sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Indian Springs, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Indian Springs home worth?
Get a no-obligation home value based on real comparable sales in Indian Springs, 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 Holt →
10% of homes for sale in ZIP 32564 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 (2026-09-26).
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.
More Holt home searches
Recent Developments in Indian Springs Okaloosa
Development, infrastructure, retail, and school activity affecting Indian Springs Okaloosa, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- 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 project is about 7 miles south of Indian Springs Okaloosa, elsewhere in Okaloosa County.
Source: Get The Coast - September 2026Civic
Okaloosa commissioners reject 12-month data center moratorium 3-2
Okaloosa County commissioners voted 3-2 on September 15 against a 12-month data center moratorium. On September 3 the board unanimously directed staff to develop a regulatory framework for data centers, with an outline due within 60 days. No specific project or site was proposed, and commissioners discussed protecting the Shoal River Industrial Park.
What it may mean for the marketThe pending rules will shape where large power-and-land-intensive facilities can locate in the county, including industrial land near Crestview. The project is about 15 miles north of Indian Springs Okaloosa, elsewhere in Okaloosa County.
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 10 miles southeast of Indian Springs Okaloosa, 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 5 miles east of Indian Springs Okaloosa.
Source: Get The Coast - May 2026Development
Okaloosa commissioners approve master plan for 392-lot River Park subdivision in Crestview
Okaloosa County commissioners unanimously approved the master plan for River Park, a 392 lot single family subdivision on 263 acres east of Main Drive and north of Airport Road in Crestview. The project by River Park Landing LLC will be built in three phases, with each phase requiring a separate development order approval.
What it may mean for the marketAdds substantial single family housing supply to the Crestview market and phases new residential construction onto a large tract in north Okaloosa County. The project is about 18 miles north of Indian Springs Okaloosa, elsewhere in Okaloosa County.
Source: Get The Coast - May 2026Infrastructure
Okaloosa County opens $212M Southwest Crestview Bypass
Okaloosa County opened the $212 million Southwest Crestview Bypass, a 3.5 mile four lane corridor connecting Antioch Road to State Road 85 with access from U.S. Highway 90. The project includes a 1,713 foot bridge, sidewalks, a multi use path, and direct access to the new Pineview K-8 school opening in August 2026.
What it may mean for the marketAdds a major four lane traffic corridor serving southwest Crestview and expands regional road capacity for surrounding growth in north Okaloosa County. The project is about 13 miles north of Indian Springs Okaloosa, elsewhere in Okaloosa County.
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.
Ask an agent about Indian SpringsHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Indian SpringsHomes for Sale will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
How many homes are in Indian Springs?
What share of Indian Springs is owner-occupied?
When were the homes in Indian Springs built?
Who is the best real estate agent for Indian Springs?
How do I find a top Holt real estate agent who knows Indian Springs?
Can Momentum Realty connect me with an agent for Indian Springs?
Where is Indian Springs, and what county is it in?
Should you buy in Indian Springs?
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: July 25, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32564)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2002 (14 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 INDIAN SPRINGS fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Indian Springs with Momentum Realty’s local guides.