Pine Meadows
Homes for Sale in Fort Walton Beach, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, the MLS records 5 closed sales in Pine Meadows 4TH Addn in Fort Walton Beach, FL since 1993, the most recent in March 2026. Across Fort Walton Beach as a whole, 270 homes closed in the last 12 months at a median of $365,000, 39 median days on market, with 94 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,710 ($4,200 with the full homestead exemption).
Pine Meadows Addn is a small platted subdivision in Fort Walton Beach with no community amenities pulled from current MLS listings, which means price here is driven by the individual home rather than by shared features. Condition, updates, lot, and how a given property compares to the rest of Okaloosa's inland Fort Walton Beach stock will do the heavy lifting on value.
With no amenity premium to lean on, buyers should underwrite each listing on its own merits and sellers should expect the market to reward tangible improvements over marketing. Expect a spread that reflects condition more than location within the addition; a well-kept, updated home and a project house can sit in very different places even on the same street.
The 60-Second Overview
A modest, amenity-free pocket of Fort Walton Beach where the house itself — not a clubhouse or gate — sets the tone and the price.
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.
Who Pine Meadows is best for.
Best for
- Buyers prioritizing a private, no-HOA home in Fort Walton Beach over shared amenities
- Value-focused buyers willing to underwrite a home on condition and negotiate accordingly
- Buyers comfortable renovating or updating to build value in the property itself
Probably not for
- Buyers who want a clubhouse, pool, or gated-community amenities
- Buyers seeking a turnkey, amenity-driven lifestyle package
- Buyers who want an HOA managing shared facilities and standards
The market around Pine Meadows
Pine Meadows is too small for its own price trend, so here is the market around it.
In ZIP 32547, 277 homes are on the market and 32% are under contract — a fast-moving corner of Fort Walton Beach.
Across Okaloosa County, 2,265 homes are active and 765 pending (25% under contract).
ZIP and county figures describe the wider market, not Pine Meadows specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in PINE MEADOWS 4TH 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.
The Pine Meadows buying strategy.
If we were buying in Pine Meadows 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 Pine Meadows.
A house-by-house market
There are no community amenities identified from current MLS listings, so there is no HOA-driven story to tell here and no shared feature to prop up values. That puts the burden of proof on the individual property: roof, systems, kitchens and baths, and how recently the home has been touched.
Practically, that makes comparison shopping essential. Two homes in Pine Meadows Addn can justify very different numbers based on condition alone, and a buyer's leverage often comes from understanding exactly what a given home does and does not need.
The location and the amenities are priced into every listing in Pine Meadows. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In an amenity-free subdivision, the difference between a fair price and an overpay is condition read correctly. We walk each listing on its merits, price against genuinely comparable Fort Walton Beach stock, and tell you plainly when a home's asking price is chasing work it still needs.
Pine Meadows 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 Pine Meadows 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 Pine Meadows sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Pine Meadows, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Pine Meadows home worth?
Get a no-obligation home value based on real comparable sales in Pine Meadows, 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 →
Should you buy in Pine Meadows?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Pine Meadows with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 1993 (5 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 PINE MEADOWS 4TH ADDN fits the bigger picture — live prices, inventory, and Momentum Scores:
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.
PINE MEADOWS 4TH ADDN Market Scorecard
PINE MEADOWS 4TH 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.