Mccarthy Estates
Homes for Sale in DeFuniak Springs, FL
All 213 homes for sale in DeFuniak Springs, FL · median $249,490 · 170 homes for sale in 32433 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, Mccarthy Estates in DeFuniak Springs, FL has 3 homes for sale. Over the 12 months ending 2026-09-20, 13 recorded sales closed at a median of $253,000, a median 35 days on market, sellers accepting 100% of original asking. Homes listed or recently sold were built 2026–2026 with 18 new construction; 1 of the 18 geocoded homes sit in a FEMA special flood hazard zone (median elevation 275 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $2,470 ($2,080 with the full homestead exemption).
Homes For Sale Right Now in Mccarthy Estates
Live MLS inventory for Mccarthy Estates. 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 · 51 daysTop listing
Active · 51 days
Active · 13 days
Pending · 59 days
Pending · 13 days
Pending · 49 daysActive and pending Mccarthy Estates listings as of 2026-10-01, 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.
Mccarthy Estates right now
🔴 Seller-leaning market. 2.8 months of supply and 57% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Emerald Coast MLS records, as of September 20, 2026. Confidence: High (7 active and pending listings, 13 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Mccarthy Estates market snapshot (as of September 20, 2026): the median sale price is about $253K, a median 35 days on market for closed sales, and 2.8 months of supply, a seller-leaning market.
In ZIP 32433 (DeFuniak Springs), 189 homes closed in the last 12 months at a median of $208K, down 2.5% year over year, with a median 89 days on market. Right now 69 active and 18 pending listings put supply at about 6.8 months — a buyer's market. See the live ZIP 32433 housing market and the Walton County market.
Flood zones in MCCARTHY ESTATES: of 12 listing addresses checked against the FEMA National Flood Hazard Layer, 92% sit outside the FEMA Special Flood Hazard Area (Zone X); 8% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary — verify any specific address at msc.fema.gov.
Mccarthy Estates is a community of 21 homes in DeFuniak Springs, Walton County, built between 1964 and 2020 (median 1991), with a median living area of about 1,463 square feet. 52% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Mccarthy Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Mccarthy EstatesMccarthy EstatesMccarthy EstatesMccarthy EstatesMccarthy EstatesMccarthy Estates
Mccarthy Estates
Mccarthy EstatesPhotos from Emerald Coast MLS listings in Mccarthy Estates; content deemed reliable but not guaranteed.
Housing distress & ownership in MCCARTHY ESTATES, DeFuniak Springs
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.
Mccarthy Estates 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
- Walton County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Maude Saunders · Elementary
- Walton · Middle
- Walton · High
Zoned schools reflect the assignments reported on recent Mccarthy Estates listings and can change; always confirm with Walton County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Mccarthy Estates address.
Shop the zone: Homes zoned for Walton High School
The Mccarthy Estates buying strategy.
If we were buying in Mccarthy Estates 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 Mccarthy Estates.
A closer look at the Mccarthy Estates market
Homes in Mccarthy Estates trade around a median of $253K, where condition and lot do more to set the final number than the asking price does.
Inventory runs at 2.8 months of supply, a seller-leaning market. Homes that do trade take a median 35 days on market, useful leverage on any listing that has lingered.
The housing stock is 21 homes built between 1964 and 2020, and 52% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Mccarthy Estates. 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 Mccarthy Estates 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 (7.5). Basis: Liquidity & Demand 2.8 months of supply; Owner Commitment 52% owner-occupied; Pricing Power 100.0% sale-to-list. Refreshed with each data update.
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 Mccarthy Estates 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 Mccarthy Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Mccarthy Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Mccarthy Estates home worth?
Get a no-obligation home value based on real comparable sales in Mccarthy Estates, 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 DeFuniak Springs →
Recently off market in MCCARTHY ESTATES
Homes in MCCARTHY ESTATES 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. 7 on record.
- 101 Spooner Street · off market
- 119 Spooner Street · off market
- 30 Spooner Street · off market
- 460 Sidney Avenue · off market
- 71 Spooner Street · off market
- 90 Spooner Street · off market
- 98 Spooner Street · off market
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Walton 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 · Walton 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.
22% of homes for sale in ZIP 32433 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 (2026-10-02).
MCCARTHY ESTATES Market Scorecard
MCCARTHY ESTATES is currently a seller's market. About 2.6 months of supply, a median asking price of $252,900, and homes go under contract in about 52 days.
Typical home value in the 32433 ZIP is $230,171, about 10.1% 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.
Frequently Asked Questions
What is the median home price in Mccarthy Estates?
How long do homes in Mccarthy Estates take to sell?
Is Mccarthy Estates a buyer's or seller's market right now?
How many homes are in Mccarthy Estates?
What share of Mccarthy Estates is owner-occupied?
When were the homes in Mccarthy Estates built?
Who is the best real estate agent for Mccarthy Estates?
How do I find a top DeFuniak Springs real estate agent who knows Mccarthy Estates?
Can Momentum Realty connect me with an agent for Mccarthy Estates?
Where is Mccarthy Estates, and what county is it in?
Is Mccarthy Estates in a flood zone?
Is Mccarthy Estates a good place to live?
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: October 1, 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 (1 streets, ZIP 32433)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2026 (13 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 MCCARTHY ESTATES fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Mccarthy Estates with Momentum Realty’s local guides.