Live Oak Shores in Niceville

Live Oak Shores
Homes for Sale in Niceville, FL

All 182 homes for sale in Niceville, FL · median $499,900 · 183 homes for sale in 32578 · Okaloosa County homes for sale

Community in Niceville · Okaloosa County · ZIP 32578
26 homesBuilt 1987–1993
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Photo via Emerald Coast MLS

Built fromLive Emerald Coast MLS data32 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, the MLS records 15 closed sales in Live Oak Shores in Niceville, FL since 1994, the most recent in July 2026. Across Niceville as a whole, 246 homes closed in the last 12 months at a median of $530,000, 41 median days on market, with 61 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $6,830 ($6,330 with the full homestead exemption).

LIVE OAK SHORES key facts
LocationNiceville, Okaloosa County, FL · ZIP 32578
Homes in the community26 (FL DOR 2025 assessment roll)
Years built1987–1993 (median 1987.0)
Typical living area1,974 sq ft (median)
For sale right now0 active, 0 pending
Owner-occupied (homestead) share81%

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, “LIVE OAK SHORES key facts,” movewithmomentum.com/neighborhoods/live-oak-shores, data as of September 20, 2026.

Live · Live Oak Shores Housing Pulse Emerald Coast MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0 · 0
For sale · pending
live counts, refreshed twice daily
1
Sold · last 12 mo
10-yr average: about 1 a year
Ownership and context
81%
Owner-occupied · Live Oak Shores
21 of 26 parcels homesteaded (FL DOR 2025)
19%
Non-owner-occupied · Live Oak Shores
incl. 8% trust or LLC-held · 12% out-of-state
26
Homes in the community
26 residential parcels (FL DOR 2025)
Track record · 32 years of records
Est. 1987
Community established
homes built 1987-1993, median 1987 (FL DOR 2025)
3.8%/yr
Turnover rate
about 1 of 26 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Live Oak Shores in Niceville is running thin right now, with a single active listing on the MLS as of late July 2026. When inventory is this tight, the market doesn't set the price so much as the individual property does — its condition, its lot, and how motivated the one seller happens to be.

For a buyer, that means patience and readiness matter more than negotiating leverage; there is no menu to shop, so when something fits, you move. For a seller, the scarcity cuts both ways: little visible competition, but also few recent comparable sales to anchor an asking price, which puts a premium on getting the pricing and presentation right the first time.

Nearby homes for sale

No active listings inside LIVE OAK SHORES 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.

605 Sailboat Drive
$463K · 0.2 mi away
3 bd · 2 ba
605 Sailboat Drive
Listed by Four Seasons Realty of Northwest FL LLC
300 Yacht Club Drive #15
$380K · 0.3 mi away
3 bd · 2 ba
300 Yacht Club Drive #15
Listed by Spence Properties
4201 Ward Cove Drive
$2.19M · 0.3 mi away
3 bd · 3 ba
4201 Ward Cove Drive
Listed by ERA American Real Estate
4240 Skipjack Cove
$400K · 0.4 mi away
3 bd · 2.5 ba
4240 Skipjack Cove
Listed by Christies International Real Estate Emerald Coast
4256 Lovering Court
$225K · 0.4 mi away
2 bd · 2 ba
4256 Lovering Court
Listed by Ellis Realty LLC
1840 Shay-Lin Court #1840
$206K · 0.4 mi away
2 bd · 2.5 ba
1840 Shay-Lin Court #1840
Listed by The Ketchersid Group LLC

Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.

The 60-Second Overview

Live Oak Shores is a small, quiet pocket of Niceville in Okaloosa County. With inventory this limited, it trades on a listing-by-listing basis rather than as a high-volume market.

Emerald Coast MLS sales records identify 8 homes in LIVE OAK SHORES that have changed hands since 2012, built between 1987 and 1993 (median 1989), with a median living area of about 1,690 sq ft and a typical 3-bedroom, 2-bath layout; 100% are single-family homes. 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.

Best for

  • Buyers set on this specific Niceville area who can stay patient until a home lists
  • Buyers who prize a low-turnover, quiet setting over a busy, high-choice market
  • Sellers who want focused attention in a segment with few competing listings

Probably not for

  • Buyers who need several homes to compare side by side before committing
  • Buyers seeking a community built around shared amenities
  • Buyers on a tight timeline who can't wait for the right listing to appear

The market around Live Oak Shores

Live Oak Shores is too small for its own price trend, so here is the market around it.

In ZIP 32578, 265 homes are on the market and 31% are under contract — a fast-moving corner of Niceville.

Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).

In ZIP 32578 (Niceville), 347 homes closed in the last 12 months at a median of $530K, down 4.2% year over year, with a median 43 days on market. Right now 66 active and 39 pending listings put supply at about 3.4 months — a healthy market. See the live ZIP 32578 housing market and the Okaloosa County market.

ZIP and county figures describe the wider market, not Live Oak Shores specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in LIVE OAK SHORES, Niceville

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 1 listings
Distress share trend — 0.0% now (2026-08-10 → 2026-09-19)

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.

If we were buying in Live Oak Shores today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Live Oak Shores.

Best Buy
Buyers who want a quiet, small Niceville pocket and can wait for the right listing.
Biggest Risk
Thin inventory means limited choice and few recent comps to anchor value.
Sweet Spot
A patient buyer ready to act quickly when one home comes available.
Avoid If
You need selection or shared community amenities to choose from now.

A thin-inventory pocket

There are no community amenities identified from the current MLS listings here, so the draw is the location and the individual homes themselves rather than shared facilities. In a community this size, that's typical — value lives in the specific property, not in an amenity package.

With only one active listing, there isn't enough current data to describe a price range or a reliable trend. Any figure beyond the single available property would be a guess, so we treat each listing on its own merits and lean on Niceville-area context to fill the gaps.

“

The location and the amenities are priced into every listing in Live Oak Shores. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a market this thin, you need someone watching it daily and reading each new listing on its own terms. We track Live Oak Shores and the surrounding Niceville area closely, so when the right property surfaces — or when it's time to price yours against sparse comps — you get a grounded read rather than a guess.

Live Oak Shores in 15 seconds.

Best forBuyers who want a quiet, small Niceville pocket and can wait for the right listing.
Biggest advantageVery little competition on the market at any given moment.
Biggest riskThin inventory means limited choice and few recent comps to anchor value.
Sweet spotA patient buyer ready to act quickly when one home comes available.
Avoid ifYou need selection or shared community amenities to choose from now.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Live Oak Shores homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Live Oak Shores.
In short
  • 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Live Oak Shores sales matched to your home.

What is your Live Oak Shores home worth?

Get a no-obligation home value based on real comparable sales in Live Oak Shores, 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 Niceville →

Real comps, not an automated estimate.

Recently off market in LIVE OAK SHORES

Homes in LIVE OAK SHORES that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.

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.

$2,251/mo
Okaloosa County typical true cost to own
$220/mo
Okaloosa County typical home insurance
Check CDD
Confirm before you offer

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.

Frequently Asked Questions

How many homes are in Live Oak Shores?
The Florida DOR 2025 assessment roll shows 26 homes in Live Oak Shores (public records).
What share of Live Oak Shores is owner-occupied?
81% of Live Oak Shores parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Live Oak Shores built?
Homes in Live Oak Shores were built between 1987 and 1993, with a median year built of 1987.0 (FL DOR 2025 roll).
Who is the best real estate agent for Live Oak Shores?
The best agent for Live Oak Shores is one who actively works Niceville and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Live Oak Shores.
How do I find a top Niceville real estate agent who knows Live Oak Shores?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Live Oak Shores and the wider Niceville area.
Can Momentum Realty connect me with an agent for Live Oak Shores?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Live Oak Shores purchase or sale - no call center and no pressure.
Where is Live Oak Shores, and what county is it in?
Live Oak Shores is in Niceville, Okaloosa County, FL, ZIP 32578. The community's center is about 5 miles west of the center of Niceville (straight-line).
Buyers set on this specific Niceville area who can stay patient until a home listsExcellent fit
Buyers who prize a low-turnover, quiet setting over a busy, high-choice marketExcellent fit
Sellers who want focused attention in a segment with few competing listingsExcellent fit
Buyers who need several homes to compare side by side before committingProbably not
Buyers seeking a community built around shared amenitiesProbably not
Buyers on a tight timeline who can't wait for the right listing to appearProbably not

Data sources & freshness

Live listingsEmerald Coast MLS, refreshed twice daily (last: October 1, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 32578))
Under-contract sharesEmerald Coast MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 1994 (15 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 →

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CallFree valuation →
Thinking of selling in LIVE OAK SHORES? 1 recorded closings (window ending 2026-09-20). See the Okaloosa County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Nearby Communities

Explore more neighborhoods near Live Oak Shores with Momentum Realty’s local guides.

Lancaster Estates0.2 mi away · 115 homes, built 1935–22, 1 for saleSailboat Cove S D0.3 mi away · median $480K, 3 sales/12 moShadow Oak S D0.3 mi away · 71 homes, built 1995–14Rocks Cove0.3 mi away · 13 homes, built 2006–17Marina Landing0.3 mi away · median $440K, 4 sales/12 moShay Lin Town Homes0.4 mi away · 1 for saleShay Lin T H0.4 mi away · 50 homes, built 2006–06Shay Lin0.4 mi away · 50 homes, built 2006–06

Browse all neighborhood guides →

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