Lloyd & Hetherington
Homes for Sale in Fort Walton Beach, FL
All 419 homes for sale in Fort Walton Beach, FL · median $398,000 · 150 homes for sale in 32547 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, the MLS records 23 closed sales in Lloyd & Hetherington in Fort Walton Beach, FL since 1993, the most recent in March 2026. 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 32547 |
|---|---|
| Homes in the community | 80 (FL DOR 2025 assessment roll) |
| Years built | 1950–2022 (median 1984.0) |
| Typical living area | 1,432 sq ft (median) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 51% |
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, “LLOYD & HETHERINGTON key facts,” movewithmomentum.com/neighborhoods/lloyd-hetherington, data as of September 20, 2026.
Price here is driven by condition and the individual home, not by any single template. With a median year built of 1984 and a stock that stretches back to 1948 and forward to 2022, you are looking at a wide spread of ages under one community name. That range means the number on a listing tells you less than the walkthrough does — a renovated older cottage and a tired one can sit blocks apart at very different values.
The homestead share sits at roughly 44%, so a meaningful portion of these homes are owner-occupied while the rest are not. For a buyer, expect variable upkeep and to underwrite each property on its own merits. For a seller, honest condition and clean updates are what separate your listing in a pool this varied.
Nearby homes for sale
No active listings inside LLOYD & HETHERINGTON 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
LLOYD & HETHERINGTON is a compact, established pocket of Fort Walton Beach in Okaloosa County — 131 homes with a median living area near 1,427 square feet, meaning modestly sized floor plans are the norm rather than sprawling ones.
Emerald Coast MLS sales records identify 15 homes in LLOYD & HETHERINGTON that have changed hands since 2001, built between 1900 and 2020 (median 1989), with a median living area of about 1,440 sq ft and a typical 3-bedroom, 2-bath layout; 87% 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.
County records show 7 qualified sales in LLOYD & HETHERINGTON across 2024–2025 (4 in 2024, 3 in 2025), median $249,900 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Lloyd & Hetherington is best for.
Best for
- Buyers comfortable with older homes who will budget for updates and read each property on its own merits
- Those wanting a modestly sized, maintainable footprint near the community's median square footage
- Owner-occupants seeking an established Fort Walton Beach location over a newer master-planned setting
Probably not for
- Buyers who want shared community amenities, since none are identified from current listings
- Those seeking new construction and uniform floor plans rather than a decades-spanning mix
- Buyers wanting large square footage, given the roughly 1,427-square-foot median
The market around Lloyd & Hetherington
Lloyd & Hetherington is too small for its own price trend, so here is the market around it.
In ZIP 32547, 198 homes are on the market and 27% are under contract — a steady corner of Fort Walton Beach.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
In ZIP 32547 (Fort Walton Beach), 385 homes closed in the last 12 months at a median of $337K ($136/sq ft), up 12.1% year over year, with a median 38 days on market. Right now 107 active and 39 pending listings put supply at about 4.0 months — a healthy market. See the live ZIP 32547 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Lloyd & Hetherington specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in LLOYD & HETHERINGTON, 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 Lloyd & Hetherington buying strategy.
If we were buying in Lloyd & Hetherington 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 Lloyd & Hetherington.
A condition-driven older pocket
The defining trait here is age and variety. A median build year of 1984 with construction dating as far back as 1948 tells you this is not a subdivision poured in a single season — it filled in over decades, and the housing reflects that. Expect original systems in some homes and full updates in others, so inspection quality matters more than curb appeal.
No community amenities were identified from current MLS listings, so the draw here is the homes and the location within Fort Walton Beach rather than shared facilities. At a median of about 1,427 square feet, these are practical, right-sized properties — well suited to buyers who want a footprint they can actually maintain or improve.
The location and the amenities are priced into every listing in Lloyd & Hetherington. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community where the median home dates to 1984 and build years span more than seven decades, the value is in reading each property honestly — systems, updates, and layout. We price and evaluate home by home, and we will tell you plainly when a listing's condition does not match its ask.
Lloyd & Hetherington 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 Lloyd & Hetherington 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 Lloyd & Hetherington sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Lloyd & Hetherington, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Lloyd & Hetherington home worth?
Get a no-obligation home value based on real comparable sales in Lloyd & Hetherington, 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 Lloyd & Hetherington?
What share of Lloyd & Hetherington is owner-occupied?
When were the homes in Lloyd & Hetherington built?
Who is the best real estate agent for Lloyd & Hetherington?
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Can Momentum Realty connect me with an agent for Lloyd & Hetherington?
Where is Lloyd & Hetherington, and what county is it in?
Should you buy in Lloyd & Hetherington?
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: September 30, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32547)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1993 (23 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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