North Ridge Creek S/D 1st
Homes for Sale in Fort Walton Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-12, 4 recorded sales closed at a median of $388,750, a median 19 days on market, sellers accepting 97% of original asking (-3% versus the prior year). Homes listed or recently sold were built 1999–2000. At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $5,010 ($4,500 with the full homestead exemption).
Price here is driven by a fairly consistent housing stock. Homes were built between 1996 and 2008, with a median year built of 2000, and the median home runs about 2,152 square feet. That means the spread you see in pricing is largely a function of condition and updates rather than wildly different home sizes or eras. The median sits at $397,500, and where a specific home lands relative to that number will come down to how much work it needs.
The market posture is tight. There are no active listings at the moment, and the median days on market is 25 — just over three weeks. Year-over-year pricing is essentially flat, down 0.6 percent, which reads as stable rather than declining. For a buyer, that means you may wait for inventory and should be ready to move when something lists. For a seller, a well-prepared home in this size range faces little visible competition right now.
North Ridge Creek S/D 1st right now
🟡 Off the recent peak. The trailing-12-month median ($389K) is down 2.8% from the prior 12 months ($400K). With about 1 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Emerald Coast MLS closed sales, 12-month windows ending September 12. Confidence: Low (4 and 3 sales in the two windows).
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Updated September 12, 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
North Ridge Creek S/D 1st market snapshot (as of September 12, 2026): the median sale price is about $389K, and a median 20 days on market for closed sales. The trailing-12-month median is down 3% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (4 closings in the current window).
North Ridge Creek S/D 1st Addn is a small, self-contained pocket of 75 homes in Fort Walton Beach, built over a roughly decade-long stretch around the turn of the century. With no shared community amenities identified in current listings, the appeal here is the housing itself and the location within Okaloosa County.
The setting & the homes.
Aerial and on-site photos of North Ridge Creek S/D 1st. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
North Ridge Creek S/D 1st
North Ridge Creek S/D 1st
North Ridge Creek S/D 1st
North Ridge Creek S/D 1stPhotos from Emerald Coast MLS listings in North Ridge Creek S/D 1st; content deemed reliable but not guaranteed.
Who North Ridge Creek S/D 1st is best for.
Best for
- Buyers seeking a single-family home around 2,152 square feet with a budget near the $397,500 median
- Buyers who value a low-turnover, owner-occupied-heavy street and are willing to wait for inventory
- Buyers comfortable evaluating condition-driven price differences on homes built around 2000
Probably not for
- Buyers who need to choose from multiple active listings right now
- Buyers who want shared community amenities as part of the purchase
- Buyers seeking newer construction beyond the 1996 to 2008 build window
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($389K) IS the median in the snapshot above, and the move from 2025 ($400K) IS the -2.8% one-year change.
Windows contain 0 to 4 sales each (4 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.
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.
NORTH RIDGE CREEK S/D 1ST ADDN Market Scorecard
NORTH RIDGE CREEK S/D 1ST ADDN is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32547 ZIP is $316,555, about 6.4% 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.
Housing distress & ownership in NORTH RIDGE CREEK S/D 1ST ADDN, 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.
North Ridge Creek S/D 1st 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.
The North Ridge Creek S/D 1st buying strategy.
If we were buying in North Ridge Creek S/D 1st 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 1st.
A small, stable pocket
At 75 homes, this is a compact subdivision, and the numbers show a settled community rather than a churning one. A homestead share of 72 percent points to a majority of owner-occupied homes, which typically means fewer listings hitting the market in any given stretch and steadier upkeep across the street. The current zero active listings is consistent with that pattern.
Because homes cluster around 2,152 square feet and a median build year of 2000, buyers are largely comparing similar footprints. That makes condition the deciding factor. Homes that have been updated will command a premium over the $397,500 median; those needing work will trade below it. There are no identified community amenities, so factor in that you are buying a home and a location, not an amenity package.
The location and the amenities are priced into every listing in North Ridge Creek S/D 1st. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a subdivision this size with no active listings, timing and access matter more than anything. We track when homes are likely to come available and help you read condition against the $397,500 median so you are not overpaying for cosmetics or underestimating deferred maintenance. On the sell side, we position a home to stand out in a market where inventory is thin and the clock — a 25-day median — moves quickly.
North Ridge Creek S/D 1st 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 1st 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 1st 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 1st, 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 1st home worth?
Get a no-obligation home value based on real comparable sales in North Ridge Creek S/D 1st, 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 homes for sale in North Ridge Creek S/D 1st on the map →
Frequently Asked Questions
What is the median home price in North Ridge Creek S/D 1st?
How long do homes in North Ridge Creek S/D 1st take to sell?
Who is the best real estate agent for North Ridge Creek S/D 1st?
How do I find a top Fort Walton Beach real estate agent who knows North Ridge Creek S/D 1st?
Can Momentum Realty connect me with an agent for North Ridge Creek S/D 1st?
Should you buy in North Ridge Creek S/D 1st?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near North Ridge Creek S/D 1st with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 1999 (58 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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See how NORTH RIDGE CREEK S/D 1ST ADDN fits the bigger picture — live prices, inventory, and Momentum Scores: