Palm Harbor Marina in Fort Walton Beach

Palm Harbor Marina
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

Community in Fort Walton Beach · Okaloosa County · ZIP 32547
47 homesBuilt 1993–2018
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Photo via Emerald Coast MLS

Built fromLive Emerald Coast MLS data27 years of closingsFL DOR public recordsUpdated twice daily

Homes listed or recently sold were built 1997–1999. As of September 2026, the MLS records 32 closed sales in Palm Harbor Marina in Fort Walton Beach, FL since 1999, the most recent in October 2025. 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).

PALM HARBOR MARINA key facts
LocationFort Walton Beach, Okaloosa County, FL · ZIP 32547
Homes in the community47 (FL DOR 2025 assessment roll)
Years built1993–2018 (median 1999)
Typical living area3,006 sq ft (median)
Amenities listed by sellersDock, Waterfront, Deed Access, Fishing, Marina, Short Term Rental - Not Allowed
For sale right now0 active, 1 pending
Owner-occupied (homestead) share77%

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, “PALM HARBOR MARINA key facts,” movewithmomentum.com/neighborhoods/palm-harbor-marina, data as of September 20, 2026.

Last 30 days in Palm Harbor Marina: 1 new listing (median asking $624,900), 1 under contract right now. As of September 29, 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.

Live · Palm Harbor Marina Housing Pulse Emerald Coast MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
100%
Under contract
Okaloosa: 23% (551 of 2,441)
0 · 1
For sale · pending
live counts, refreshed twice daily
1
Sold · last 12 mo
10-yr average: about 2 a year
Ownership and context
77%
Owner-occupied · Palm Harbor Marina
37 of 48 parcels homesteaded (FL DOR 2025)
23%
Non-owner-occupied · Palm Harbor Marina
incl. 12% trust or LLC-held · 17% out-of-state
47
Homes in the community
plus 1 vacant residential lots · 48 residential parcels (FL DOR 2025)
Track record · 27 years of records
Est. 1993
Community established
homes built 1993-2018, median 1999 (FL DOR 2025)
2.1%/yr
Turnover rate
about 1 of 47 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Price here is driven by size and condition, not by community amenities — none show up in current MLS listings. With a median living area just over 3,000 square feet and homes built between 1993 and 2018, what you pay tracks square footage, updates, and how a given property has been maintained. Expect a wide spread rather than a tidy tier.

The market posture is thin. With 47 homes in the community and just one active listing against a single recent closing, this is a low-turnover pocket. For sellers, scarcity works in your favor when a well-kept home comes up. For buyers, patience matters — you may wait for the right property, and when it lands you should be ready to move.

The 60-Second Overview

Palm Harbor Marina is a small, established enclave in Fort Walton Beach where homes lean larger than average and inventory rarely comes up, so the character is set by individual properties rather than by shared amenities.

Emerald Coast MLS sales records identify 21 homes in PALM HARBOR MARINA that have changed hands since 2002, built between 1997 and 2006 (median 1999), with a median living area of about 2,242 sq ft and a typical 4-bedroom, 2.5-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.

Best for

  • Buyers who prioritize interior space and want a floor plan around 3,000 square feet
  • Long-horizon owners comfortable holding in a low-turnover community
  • Buyers willing to wait and move decisively when a rare listing appears

Probably not for

  • Buyers who need resort-style shared amenities on site
  • Shoppers who want a broad set of active listings to compare right now
  • Buyers seeking the smallest, lowest-maintenance footprint available

The market around Palm Harbor Marina

Palm Harbor Marina 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 Palm Harbor Marina specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in PALM HARBOR MARINA, Fort Walton Beach

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 7 listings
Distress share trend — 0.0% now (2026-08-10 → 2026-09-23)

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 Palm Harbor Marina

Live MLS inventory for Palm Harbor Marina. 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 Palm Harbor Marina listings as of 2026-09-30, 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 Palm Harbor Marina Right Now (2)

All 2 active and pending Palm Harbor Marina listings with a detail page, newest first, refreshed twice a day from the MLS.

  • 2388 Palm Harbor Drive · $624,900 · 3 bd / 3 ba · listed Sep 21, 2026 · listed by EXP Realty LLC
  • 2400 Palm Harbor Drive · $899,900 · 4 bd / 4.5 ba · pending · listed Jul 1, 2026 · listed by RE/MAX Gulf Coast Realty

Listing locations from Emerald Coast MLS. Map data © OpenStreetMap, tiles © CARTO.

Schools

In short
  • Okaloosa County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Shalimar · Elementary
  • Meigs · Middle
  • Choctawhatchee · High

Zoned schools reflect the assignments reported on recent Palm Harbor Marina 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 Palm Harbor Marina address.

If we were buying in Palm Harbor Marina today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Palm Harbor Marina.

Best Buy
Buyers who want a larger home in an established, low-turnover Fort Walton Beach pocket.
Biggest Risk
With almost nothing listed, you may wait for the right property to surface.
Sweet Spot
A maintained home near the median 3,006-square-foot size, priced to its condition.
Avoid If
You need community amenities or a fast, wide selection to choose from.

A low-turnover pocket of larger homes

The housing stock here spans construction from 1993 to 2018, with a median build year of 1999 — so most homes are past their newest-construction phase but far from dated by default. Condition is the variable that will separate one listing from the next, and with a median living area of roughly 3,006 square feet, these are substantial floor plans by area standards.

Roughly 77 percent of homes are homesteaded, which points to a community held largely by long-term owners rather than turned over as rentals. That tends to keep listings scarce and gives sellers leverage when they do come to market, while asking buyers to be decisive.

“

The location and the amenities are priced into every listing in Palm Harbor Marina. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a community this small with almost nothing on the market, pricing and timing come down to reading individual homes, not comps by the dozen. We track when the rare Palm Harbor Marina listing moves and can tell you whether a specific property's condition and square footage justify its ask — or whether to wait for the next one.

Palm Harbor Marina in 15 seconds.

Best forBuyers who want a larger home in an established, low-turnover Fort Walton Beach pocket.
Biggest advantageScarce inventory gives well-kept homes real pricing leverage.
Biggest riskWith almost nothing listed, you may wait for the right property to surface.
Sweet spotA maintained home near the median 3,006-square-foot size, priced to its condition.
Avoid ifYou need community amenities or a fast, wide selection to choose from.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Palm Harbor Marina homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Palm Harbor Marina.
In short
  • 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Palm Harbor Marina sales matched to your home.

What is your Palm Harbor Marina home worth?

Get a no-obligation home value based on real comparable sales in Palm Harbor Marina, 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 →

Real comps, not an automated estimate.
How much local inventory is already under contract

27% 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 (2026-09-30).

Frequently Asked Questions

How many homes are in Palm Harbor Marina?
The Florida DOR 2025 assessment roll shows 47 homes plus 1 vacant residential lots in Palm Harbor Marina (public records).
What share of Palm Harbor Marina is owner-occupied?
77% of Palm Harbor Marina parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Palm Harbor Marina built?
Homes in Palm Harbor Marina were built between 1993 and 2018, with a median year built of 1999 (FL DOR 2025 roll).
Who is the best real estate agent for Palm Harbor Marina?
The best agent for Palm Harbor Marina is one who actively works Fort Walton Beach and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Palm Harbor Marina.
How do I find a top Fort Walton Beach real estate agent who knows Palm Harbor Marina?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Palm Harbor Marina and the wider Fort Walton Beach area.
Can Momentum Realty connect me with an agent for Palm Harbor Marina?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Palm Harbor Marina purchase or sale - no call center and no pressure.
Where is Palm Harbor Marina, and what county is it in?
Palm Harbor Marina is in Fort Walton Beach, Okaloosa County, FL, ZIP 32547. The community's center is about 5 miles northwest of the center of Fort Walton Beach (straight-line).
Buyers who prioritize interior space and want a floor plan around 3,000 square feetExcellent fit
Long-horizon owners comfortable holding in a low-turnover communityExcellent fit
Buyers willing to wait and move decisively when a rare listing appearsExcellent fit
Buyers who need resort-style shared amenities on siteProbably not
Shoppers who want a broad set of active listings to compare right nowProbably not
Buyers seeking the smallest, lowest-maintenance footprint availableProbably not

Data sources & freshness

Live listingsEmerald Coast MLS, refreshed twice daily (last: September 30, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (3 streets, ZIP 32547))
Under-contract sharesEmerald Coast MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 1999 (32 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.

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Nearby Communities

Explore more neighborhoods near Palm Harbor Marina with Momentum Realty’s local guides.

Scranton Estates0.1 mi away · median $315K, 4 sales/12 moSkye Cove0.1 mi away · 26 homes, built 1949–24Harbor T H0.3 mi away · 24 homes, built 1984–89, 2 for saleTom Barrows0.4 mi away · 7 homes, built 1983–16Bayou Pines T H0.4 mi awayHarris S D0.4 mi away · 26 homes, built 1951–23, 1 for saleHarlan Square S D0.5 mi away · 37 homes, built 1999–02Paradise Point (Okaloosa)0.5 mi away · 30 homes, built 1958–08, 1 for sale

Browse all neighborhood guides →

Thinking of selling in PALM HARBOR MARINA? 1 recorded closings (window ending 2026-09-20). See the Okaloosa County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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