North Ridge Creek S/D
Homes for Sale in Fort Walton Beach, FL
All 414 homes for sale in Fort Walton Beach, FL · median $398,000 · 149 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
Homes listed or recently sold were built 1998–2001; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 51 ft). As of October 2026, the MLS records 76 closed sales in North Ridge Creek S/D in Fort Walton Beach, FL since 1997, the most recent in September 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 | 50 (FL DOR 2025 assessment roll) |
| Years built | 1996–2003 (median 1999.0) |
| Typical living area | 2,016 sq ft (median) |
| Amenities listed by sellers | Pavillion/Gazebo, Pets Allowed, Security System |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 72% |
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, “NORTH RIDGE CREEK S/D key facts,” movewithmomentum.com/neighborhoods/north-ridge-creek-s-d, data as of September 20, 2026.
Last 30 days in North Ridge Creek S/D: 1 under contract right now, 1 closed sale (median $299,700). As of October 2, 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.
North Ridge Creek is a small, built-out subdivision of about 70 homes constructed between 1996 and 2008, with the middle of that range around 1999. Price here is driven less by any published range and more by condition and updates within a fairly consistent housing stock, where the median home lands near 2,090 square feet. Two homes built decades apart at similar sizes can sell very differently depending on kitchens, roofs, and mechanicals, so condition is the lever that matters.
With only 2 active listings against 70 homes, this is a thin, low-turnover market. About three-quarters of the homes carry a homestead exemption, which tells you owners tend to stay put rather than trade frequently. For a buyer, that means patience and readiness to move when the right listing appears; for a seller, limited competition can work in your favor, but pricing still has to be justified by condition against a small pool of comparables.
Nearby homes for sale
No active listings inside NORTH RIDGE CREEK S/D 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
North Ridge Creek is a compact, fully established Fort Walton Beach subdivision in Okaloosa County — roughly 70 homes of late-1990s to 2000s vintage, with no shared community amenities identified in current MLS listings. It trades as an ownership-heavy, low-inventory pocket rather than an active-turnover neighborhood.
Emerald Coast MLS sales records identify 71 homes in NORTH RIDGE CREEK S/D that have changed hands since 2001, built between 1996 and 2004 (median 2000), with a median living area of about 1,797 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.
The setting & the homes.
Aerial and on-site photos of North Ridge Creek S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
North Ridge Creek S/D
North Ridge Creek S/D
North Ridge Creek S/DPhotos from Emerald Coast MLS listings in North Ridge Creek S/D; content deemed reliable but not guaranteed.
Who North Ridge Creek S/D is best for.
Best for
- Buyers seeking a single-family home around 2,000+ square feet in an established, low-turnover setting
- Long-hold owner-occupants comfortable with a patient search in thin inventory
- Buyers who value a stable, built-out subdivision over new construction or a large amenity package
Probably not for
- Buyers who need to close quickly and want many homes to choose from at once
- Anyone expecting community amenities such as a pool, gate, or clubhouse
- Investors chasing high transaction volume and frequent turnover
The market around North Ridge Creek S/D
North Ridge Creek S/D 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 North Ridge Creek S/D specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in NORTH RIDGE CREEK S/D, 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.
Homes For Sale Right Now in North Ridge Creek S/D
Live MLS inventory for North Ridge Creek S/D. 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 North Ridge Creek S/D 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.
Every Home for Sale in North Ridge Creek S D Right Now (1)
All 1 active and pending North Ridge Creek S D listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1964 Chesapeake Ridge · $429,000 · 3 bd / 2 ba · pending · listed Sep 22, 2026 · listed by Elevation Realty Inc
North Ridge Creek S/D 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
- Shalimar · Elementary
- Pryor · Middle
- Choctawhatchee · High
Zoned schools reflect the assignments reported on recent North Ridge Creek S/D 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 North Ridge Creek S/D address.
The North Ridge Creek S/D buying strategy.
If we were buying in North Ridge Creek S/D 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 North Ridge Creek S/D.
A built-out pocket where condition sets the price
The construction window here is tight — 1996 to 2008 — and the median build year sits around 1999. That age band means homes are past their new-build phase: many will be on second-generation roofs, HVAC systems, and water heaters, and updates (or the lack of them) become the real story in any given sale. The median living area of about 2,090 square feet points to a subdivision of mid-sized single-family homes rather than a mix of large and small footprints.
No community amenities were identified from current MLS listings, so buyers should not expect a pool, gate, or clubhouse to be baked into value here — this is a straightforward residential subdivision. With a homestead share near 76 percent, most homes are owner-occupied, which historically correlates with steady upkeep but also with fewer listings hitting the market at any one time.
The location and the amenities are priced into every listing in North Ridge Creek S/D. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a neighborhood with just 2 active listings and roughly 70 homes, comparables are scarce and every recent sale carries weight. We track North Ridge Creek closely enough to tell you whether a list price is defensible on condition, and we know how to position a seller when there is little to compete with — or coach a buyer to be ready to act when inventory this thin finally opens up.
North Ridge Creek S/D 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 North Ridge Creek S/D 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 North Ridge Creek S/D sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in North Ridge Creek S/D, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your North Ridge Creek S/D home worth?
Get a no-obligation home value based on real comparable sales in North Ridge Creek S/D, 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 Fort Walton Beach →
Recently off market in NORTH RIDGE CREEK S/D
Homes in NORTH RIDGE CREEK S/D 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. 3 on record.
- 1199 Witshire Court · off market
- 1961 Chesapeake Ridge · off market
- 1964 Chesapeake Ridge Ridge · off market
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.
26% of homes for sale in ZIP 32547 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).
Frequently Asked Questions
How many homes are in North Ridge Creek S/D?
What share of North Ridge Creek S/D is owner-occupied?
When were the homes in North Ridge Creek S/D built?
Who is the best real estate agent for North Ridge Creek S/D?
How do I find a top Fort Walton Beach real estate agent who knows North Ridge Creek S/D?
Can Momentum Realty connect me with an agent for North Ridge Creek S/D?
Where is North Ridge Creek S/D, and what county is it in?
Should you buy in North Ridge Creek S/D?
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: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32547)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1997 (76 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?
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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 NORTH RIDGE CREEK S/D fits the bigger picture — live prices, inventory, and Momentum Scores:
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