Marsh Harbor
Homes for Sale in Mary Esther, FL
All 71 homes for sale in Mary Esther, FL · median $324,900 · 79 homes for sale in 32569 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $345,900, a median 45 days on market, sellers accepting 99% of original asking. Homes listed or recently sold were built 2003–2004. At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,460 ($3,950 with the full homestead exemption).
| Location | Mary Esther, Okaloosa County, FL · ZIP 32569 |
|---|---|
| Homes in the community | 42 (FL DOR 2025 assessment roll) |
| Years built | 2003–2004 (median 2003.0) |
| Typical living area | 2,150 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Dock, Beach, Fishing, Waterfront, Deed Access, Pavillion/Gazebo |
| Sale prices, last 12 months | $345,900 median across 5 closed sales |
| Days on market (closed sales) | 45 median |
| For sale right now | 0 active, 1 pending |
| Owner-occupied (homestead) share | 55% |
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, “MARSH HARBOR key facts,” movewithmomentum.com/neighborhoods/marsh-harbor, data as of September 20, 2026.
Marsh Harbor is a tight, well-defined pocket in Mary Esther: 83 homes, nearly all built in 2003 and 2004, clustered around a median just under 1,930 square feet. When a neighborhood is this uniform in age and size, price is set less by "which model" and more by condition and updates. The median sits at $345,900, and the spread around it is driven by how much work a given home has had since it was built two decades ago.
The posture right now is thin. With just 1 active listing and a five-closing sample behind the numbers, this is a low-inventory market where any single sale moves the picture. Median days on market is 45 — not fast, not stalled. For a seller, that means a well-prepped home has room to command attention without a crowd of competitors; for a buyer, it means patience, because there may be little to choose from on any given week.
The 60-Second Overview
Marsh Harbor market snapshot (as of September 20, 2026): the median sale price is about $346K, and a median 45 days on market for closed sales.
In ZIP 32569 (Mary Esther), 304 homes closed in the last 12 months at a median of $325K ($218/sq ft), up 0.1% year over year, with a median 51 days on market. Right now 77 active and 41 pending listings put supply at about 3.9 months — a balanced market. See the live ZIP 32569 housing market and the Okaloosa County market.
County records show 3 qualified sales in MARSH HARBOR across 2024–2025 (1 in 2024, 2 in 2025), median $373,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Marsh Harbor is a community of 42 homes in Mary Esther, Okaloosa County, built between 2003 and 2004 (median 2003.0), with a median living area of about 2,150 square feet. 55% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Marsh Harbor is a small, single-era subdivision of early-2000s homes in Mary Esther, Okaloosa County. Owner-occupancy runs a bit over half the homes, which tends to keep upkeep steady in a community this size.
The setting & the homes.
Aerial and on-site photos of Marsh Harbor. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Marsh HarborPhotos from Emerald Coast MLS listings in Marsh Harbor; content deemed reliable but not guaranteed.
Who Marsh Harbor is best for.
Best for
- Buyers targeting a roughly 1,900-square-foot single-story-era home who value condition over novelty
- Owner-occupants who want a settled, low-turnover street and plan to stay a while
- Value-minded buyers willing to price the cost of any deferred updates into their offer
Probably not for
- Buyers who need a large selection to compare in a single visit
- Anyone wanting community amenities like a pool, clubhouse, or gated access
- Buyers set on new construction or a wide range of home ages and floor plans
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($346K) IS the median in the snapshot above.
Windows contain 1 to 8 sales each (5 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.
29% of homes for sale in ZIP 32569 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 (2026-09-27).
Marsh Harbor Market Scorecard
Marsh Harbor is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Emerald Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in MARSH HARBOR, 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.
Homes For Sale Right Now in Marsh Harbor
Live MLS inventory for Marsh Harbor. 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 Marsh Harbor listings as of 2026-09-26, 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 Marsh Harbor Right Now (1)
All 1 active and pending Marsh Harbor listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1024 Freeport Court · $295,000 · 3 bd / 2 ba · pending · listed Aug 26, 2026 · listed by ERA American Real Estate
Marsh Harbor 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.
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Florosa · Elementary
- Bruner · Middle
- Fort Walton Beach · High
Zoned schools reflect the assignments reported on recent Marsh Harbor 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 Marsh Harbor address.
Shop the zone: Homes zoned for Fort Walton Beach High School
The Marsh Harbor buying strategy.
If we were buying in Marsh Harbor 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 Marsh Harbor.
A single-vintage pocket where condition sets price
Because Marsh Harbor was built out across just 2003 and 2004, buyers here are comparing homes of similar bones. That narrows the guesswork: the median living area is about 1,926 square feet, and the variables that matter are roofs, HVAC, kitchens, and baths — the systems and finishes that age on a 20-year-old house. Two homes of the same footprint can price meaningfully apart based purely on what has been renewed.
Values in the wider area have roughly doubled since 2012, up 103 percent, which reflects broad Emerald Coast movement rather than anything unique to this street grid. No community amenities show up in current MLS listings, so this reads as a straightforward residential enclave — you are buying the house and the location, not a package of shared facilities. With a homestead share near 58 percent, turnover is moderate and listings are worth acting on when they appear.
The location and the amenities are priced into every listing in Marsh Harbor. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Marsh Harbor buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (7.2). Basis: Long-Term Appreciation +98% since 2012; Owner Commitment 55% owner-occupied; Pricing Power 98.9% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a neighborhood with one active listing and only a handful of recent closings, the read is entirely in the details — which homes have updated systems, how a specific floor plan compares to the last sale, and what a fair number looks like when the sample is small. We track Marsh Harbor closely enough to tell you whether a given asking price reflects real work or just optimism, and to move quickly when the right home lists.
Marsh Harbor 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 Marsh Harbor 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 Marsh Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Marsh Harbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Marsh Harbor home worth?
Get a no-obligation home value based on real comparable sales in Marsh Harbor, 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 Mary Esther →
Frequently Asked Questions
What is the median home price in Marsh Harbor?
How long do homes in Marsh Harbor take to sell?
How many homes are in Marsh Harbor?
What share of Marsh Harbor is owner-occupied?
When were the homes in Marsh Harbor built?
Have Marsh Harbor home prices gone up?
Who is the best real estate agent for Marsh Harbor?
How do I find a top Mary Esther real estate agent who knows Marsh Harbor?
Can Momentum Realty connect me with an agent for Marsh Harbor?
Where is Marsh Harbor, and what county is it in?
Is Marsh Harbor a good place to live?
Should you buy in Marsh Harbor?
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 26, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32569)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2004 (65 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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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how MARSH HARBOR fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Marsh Harbor with Momentum Realty’s local guides.