Keystone T/H
Homes for Sale in Mary Esther, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-12, 3 recorded sales closed at a median of $223,000, a median 156 days on market, sellers accepting 95% of original asking. Homes listed or recently sold were built 2001–2001. At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $2,880 ($2,370 with the full homestead exemption).
Keystone is a small townhome pocket in Mary Esther, and price here is driven by condition and unit specifics far more than by any headline figure. The median sits at $223,000, but with only three closings in the window, that number is a rough marker rather than a precise gauge — one updated versus dated unit can move it meaningfully.
The posture is slow. A median of 156 days on market tells you these units are not clearing quickly, which hands patient buyers real negotiating room. Sellers should price sharply from day one and expect the process to take time; anything overpriced will sit.
The 60-Second Overview
Keystone T/H market snapshot (as of September 12, 2026): the median sale price is about $223K, and a median 156 days on market for closed sales.
Keystone T/H is a modest townhome community in Mary Esther, Okaloosa County, where the story is a low transaction count and a slow-moving market rather than amenities or scale.
The setting & the homes.
Aerial and on-site photos of Keystone T/H. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Keystone T/H
Keystone T/H
Keystone T/HPhotos from Emerald Coast MLS listings in Keystone T/H; content deemed reliable but not guaranteed.
Who Keystone T/H is best for.
Best for
- Buyers wanting a lower-maintenance townhome near the median who can move deliberately
- Value-focused buyers willing to trade a slow market for negotiating leverage
- Buyers prioritizing location in Mary Esther over on-site amenities
Probably not for
- Buyers who need a quick, competitive close
- Buyers wanting community amenities like a pool or clubhouse
- Buyers who want a deep set of recent comps to anchor their offer
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($223K) IS the median in the snapshot above.
Windows contain 0 to 5 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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.
KEYSTONE T/H Market Scorecard
KEYSTONE T/H is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32569 ZIP is $322,212, about 12.4% 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.
Housing distress & ownership in KEYSTONE T/H, Mary Esther
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.
Keystone T/H 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.
The Keystone T/H buying strategy.
If we were buying in Keystone T/H 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 Keystone T/H.
A thin, slow townhome market
With just three closings in the tracked window, Keystone trades infrequently. That thinness cuts both ways: comparable sales are scarce, so pricing leans heavily on the condition and layout of each individual unit rather than a deep pool of recent data.
No community amenities turned up in current MLS listings, so value here rests on the townhomes themselves and on Mary Esther's location within Okaloosa County. A median of 156 days on market underscores that buyers have time to evaluate and negotiate, and that sellers need to lead with a credible price.
The location and the amenities are priced into every listing in Keystone T/H. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-volume community like Keystone, a handful of sales sets the tone, so reading condition against the median matters more than chasing a comp. We help buyers use the slow 156-day pace as leverage and help sellers price honestly so a unit does not languish.
Keystone T/H 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 Keystone T/H 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 Keystone T/H sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Keystone T/H, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Keystone T/H home worth?
Get a no-obligation home value based on real comparable sales in Keystone T/H, 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 Keystone T/H on the map →
Frequently Asked Questions
What is the median home price in Keystone T/H?
How long do homes in Keystone T/H take to sell?
Who is the best real estate agent for Keystone T/H?
How do I find a top Mary Esther real estate agent who knows Keystone T/H?
Can Momentum Realty connect me with an agent for Keystone T/H?
Should you buy in Keystone T/H?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Keystone T/H with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 1999 (55 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 KEYSTONE T/H fits the bigger picture — live prices, inventory, and Momentum Scores: