Seminole
Homes for Sale in Niceville, FL
All 182 homes for sale in Niceville, FL · median $499,900 · 183 homes for sale in 32578 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, Seminole in Niceville, FL has 3 homes for sale. Over the 12 months ending 2026-09-20, 12 recorded sales closed at a median of $554,150, a median 85 days on market, sellers accepting 100% of original asking (+6% versus the prior year). Homes listed or recently sold were built 1967–2026 with 10 new construction; none of the 14 geocoded homes sit in a FEMA special flood hazard zone (median elevation 57 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $7,150 ($6,640 with the full homestead exemption).
| Location | Niceville, Okaloosa County, FL · ZIP 32578 |
|---|---|
| Homes in the community | 272 (FL DOR 2025 assessment roll) |
| Years built | 1940–2024 (median 1987.0) |
| Typical living area | 2,024 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Fire Alarm |
| Sale prices, last 12 months | $554,150 median across 12 closed sales · +6.1% vs the prior 12 months |
| Days on market (closed sales) | 85 median |
| For sale right now | 3 active, 0 pending · median asking $540,000 · 3.0 months of supply |
| Owner-occupied (homestead) share | 66% |
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, “SEMINOLE key facts,” movewithmomentum.com/neighborhoods/seminole, data as of September 20, 2026.
Last 30 days in Seminole: 1 new listing (median asking $479,999). 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.
Homes For Sale Right Now in Seminole
Live MLS inventory for Seminole. 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 Seminole 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 Seminole Right Now (3)
All 3 active and pending Seminole listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4606 Range Road · $479,999 · 3 bd / 2 ba · listed Sep 3, 2026 · listed by EXP Realty LLC
- 1496 Pine Street · $554,800 · 4 bd / 2.5 ba · listed Aug 1, 2026 · listed by EXP Realty LLC
- 1571 Cedar Street · $540,000 · 4 bd / 2.5 ba · listed Jul 2, 2026 · listed by Coldwell Banker Realty
Seminole is a condition-driven market, not a spec-sheet market. With homes dating from 1939 through 2024 and a median build year of 1986, what you pay here tracks less to a formula and more to how far a given house has been updated. The median sits at $552,500, but expect a wide spread around it depending on renovation state, so lean on comps for the specific home rather than any headline figure.
The posture right now is thin and slow. Only 2 active listings against 473 homes means inventory is scarce, yet the median home takes just under 100 days to sell — a market that is tight on supply but deliberate on pace. Sellers should not read the low listing count as license to skip preparation; buyers get time to underwrite carefully, but real choice is limited to whatever happens to be listed.
Seminole right now
🟡 Balanced market. 3.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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 (3 active and pending listings, 12 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($554K) is up 6.1% from the prior 12 months ($522K). With about 6 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 20. Confidence: Medium (12 and 10 sales in the two windows).
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
Seminole market snapshot (as of September 20, 2026): the median sale price is about $554K, a median 85 days on market for closed sales, and 3.0 months of supply, a balanced market. The trailing-12-month median is up 6% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (12 closings in the current window).
In ZIP 32578 (Niceville), 347 homes closed in the last 12 months at a median of $530K, down 4.2% year over year, with a median 43 days on market. Right now 66 active and 39 pending listings put supply at about 3.4 months — a healthy market. See the live ZIP 32578 housing market and the Okaloosa County market.
County records show 18 qualified sales in SEMINOLE across 2024–2025 (13 in 2024, 5 in 2025), median $445,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Seminole is a community of 272 homes in Niceville, Okaloosa County, built between 1940 and 2024 (median 1987.0), with a median living area of about 2,024 square feet. 66% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Seminole is an established Niceville neighborhood inside Okaloosa County with a long build history and a homestead share around 63%, signaling a largely owner-occupied, hold-oriented pocket rather than a churn market.
The setting & the homes.
Aerial and on-site photos of Seminole. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Seminole
Seminole
Seminole
Seminole
Seminole
Seminole
Seminole
SeminolePhotos from Emerald Coast MLS listings in Seminole; content deemed reliable but not guaranteed.
Who Seminole is best for.
Best for
- Buyers targeting an established Niceville neighborhood with a budget centered on the mid-$500s and flexibility for condition-driven pricing
- Long-hold buyers comfortable in a largely owner-occupied pocket rather than a fast-turnover market
- Renovation-minded buyers ready to evaluate older systems and finishes on a home-by-home basis
Probably not for
- Buyers who need to compare many active listings at once, given how few are on market
- Buyers who want new-construction uniformity or shared community amenities
- Buyers on a tight timeline who cannot absorb a median near 100 days on market
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($554K) IS the median in the snapshot above, and the move from 2025 ($522K) IS the +6.1% one-year change.
Windows contain 0 to 12 sales each (12 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.
30% of homes for sale in ZIP 32578 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).
SEMINOLE Market Scorecard
SEMINOLE is currently a seller's market. About 3.3 months of supply, a median asking price of $540,000, and homes go under contract in about 109 days.
Typical home value in the 32578 ZIP is $435,078, about 17.1% 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.
Housing distress & ownership in SEMINOLE, Niceville
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.
Seminole 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
- Bluewater · Elementary
- Ruckel · Middle
- Niceville · High
Zoned schools reflect the assignments reported on recent Seminole 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 Seminole address.
Shop the zone: Homes zoned for Niceville High School
The Seminole buying strategy.
If we were buying in Seminole 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 Seminole.
An older core, priced by condition
The housing stock here spans generations, from prewar homes to new construction, with a median living area near 1,976 square feet. That mix means two homes on the same street can carry very different price tags, and the median build year of 1986 tells you a meaningful share will have systems and finishes worth inspecting closely.
Year-over-year, the median is up 26.3% — a large move, but one to read cautiously in a market this thin, where a handful of closings over the trailing 12 months can swing the number. No community amenities surface in current MLS listings, so value here is about the homes and the location, not shared facilities. The market heat score of 52 reads as balanced rather than frenzied.
The location and the amenities are priced into every listing in Seminole. 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 Seminole 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 4 factors (7.8). Basis: Recent Direction +6.1% year-over-year; Liquidity & Demand 3.0 months of supply; Owner Commitment 66% owner-occupied; Pricing Power 100.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this thin, with only a couple of active listings and prices set by condition rather than a tidy range, the work is in the underwriting: pulling the right comps, weighing renovation state, and pricing a specific house honestly. That is where a local read beats a headline number, on either side of the deal.
Seminole 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 Seminole 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 Seminole sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Seminole, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Seminole home worth?
Get a no-obligation home value based on real comparable sales in Seminole, 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 Niceville →
Frequently Asked Questions
What is the median home price in Seminole?
How long do homes in Seminole take to sell?
Is Seminole a buyer's or seller's market right now?
How many homes are in Seminole?
What share of Seminole is owner-occupied?
When were the homes in Seminole built?
Who is the best real estate agent for Seminole?
How do I find a top Niceville real estate agent who knows Seminole?
Can Momentum Realty connect me with an agent for Seminole?
Where is Seminole, and what county is it in?
Is Seminole a good place to live?
Should you buy in Seminole?
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) |
| 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 (2 streets, ZIP 32578)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1993 (78 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 SEMINOLE fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Seminole
- Home values · What homes in Seminole actually sell for
- Find an agent · How to choose the best real estate agent in Seminole
Nearby Communities
Explore more neighborhoods near Seminole with Momentum Realty’s local guides.