Shoal Creek S/D
Homes for Sale in Crestview, FL
All 415 homes for sale in Crestview, FL · median $329,800 · 155 homes for sale in 32536 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, Shoal Creek S/D in Crestview, FL has 1 home for sale. As of October 2026, the MLS records 18 closed sales in Shoal Creek S/D in Crestview, FL since 2003, the most recent in February 2026. Across Crestview as a whole, 571 homes closed in the last 12 months at a median of $321,973, 71 median days on market, with 398 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,150 ($3,640 with the full homestead exemption).
Shoal Creek is a small subdivision in Crestview, and the current snapshot is thin by design: one active listing and a single closing in the window. With numbers this small, there is no reliable "market rate" to lean on — price here is set by the condition and specifics of the individual home on offer, not by a deep pool of recent comparable sales.
For a buyer, that means the negotiation is one-on-one rather than against a crowd; there is little competing inventory but also little leverage from recent data. For a seller, it means pricing has to be argued from the property itself — updates, lot, and layout — because the community's recent trade history is too shallow to carry the argument on its own.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Shoal Creek S/D right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.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: Low (1 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 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
Shoal Creek is a low-volume Crestview subdivision where activity comes in ones and twos rather than a steady stream, so each listing effectively is the market at any given moment.
Emerald Coast MLS sales records identify 12 homes in SHOAL CREEK S/D that have changed hands since 2003, built between 1986 and 1989 (median 1986), with a median living area of about 1,320 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.
County records show 6 qualified sales in SHOAL CREEK S/D across 2024–2024, median $310,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Shoal Creek S/D is best for.
Best for
- Buyers focused on a particular Crestview property rather than shopping a broad subdivision
- Buyers comfortable making an offer without a large comp set to anchor to
- Sellers willing to price from the home's condition and features rather than recent neighborhood trades
Probably not for
- Buyers who want multiple options within one subdivision to compare side by side
- Buyers who prioritize shared community amenities
- Sellers expecting a deep bank of recent comparable sales to set price
The market around Shoal Creek S/D
Shoal Creek S/D is too small for its own price trend, so here is the market around it.
In ZIP 32536, 257 homes are on the market and 32% are under contract — a fast-moving corner of Crestview.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
In ZIP 32536 (Crestview), 425 homes closed in the last 12 months at a median of $322K, up 3.9% year over year, with a median 73 days on market. Right now 122 active and 57 pending listings put supply at about 3.9 months — a balanced market. See the live ZIP 32536 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Shoal Creek S/D specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Shoal Creek S/D
Live MLS inventory for Shoal 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 Shoal Creek S/D listings as of 2026-10-21, 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.
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Riverside · Elementary
- Shoal River · Middle
- Crestview · High
Zoned schools reflect the assignments reported on recent Shoal 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 Shoal Creek S/D address.
Shop the zone: Homes zoned for Crestview High School
The Shoal Creek S/D buying strategy.
If we were buying in Shoal 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Shoal Creek S/D.
A thin market reads home by home
No community amenities surface from current MLS listings, so the case for Shoal Creek rests on the houses and the Crestview location rather than shared features. That is not a knock — plenty of solid subdivisions work this way — but it does shift where value comes from. Buyers should weigh each home on its own merits: condition, updates, lot, and how it sits relative to the rest of Crestview and Okaloosa County.
With one active listing and one recent closing, expect price spreads to be condition-driven and comparables to be scarce. Anyone pricing to sell or writing an offer here should treat outside Crestview data as a reference point, not gospel, and lean on a property-level read.
The location and the amenities are priced into every listing in Shoal Creek S/D. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a subdivision this thin, the number that matters most is the one under the roof you are actually buying or selling. We build the case from the property up — condition, lot, and Crestview positioning — instead of leaning on a comp set that barely exists, and we tell you plainly when the single available listing is or is not the right one for your goals.
Shoal 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 Shoal 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 Shoal 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 Shoal 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 Shoal Creek S/D home worth?
Get a no-obligation home value based on real comparable sales in Shoal 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 Crestview →
| Location | Crestview, Okaloosa County, FL · ZIP 32536, 32539 |
|---|---|
| Homes in the community | 122 (FL DOR 2025 assessment roll) |
| Years built | 1964–2018 (median 1987.0) |
| Typical living area | 1,403 sq ft (median) |
| For sale right now | 1 active, 0 pending · median asking $230,000 · 12.0 months of supply |
| Owner-occupied (homestead) share | 62% |
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, “Shoal Creek S/D key facts,” movewithmomentum.com/neighborhoods/shoal-creek-s-d, data as of September 20, 2026.
Housing distress & ownership in SHOAL CREEK S/D, Crestview
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.
Every Home for Sale in Shoal Creek S D Right Now (1)
All 1 active and pending Shoal Creek S D listings with a detail page, newest first, refreshed twice a day from the MLS.
- 324 John King Road · $230,000 · 3 bd / 2 ba · listed Jul 22, 2026 · listed by Coldwell Banker Realty
More Crestview home searches
- All homes for sale in Crestview, FL
- Homes for sale in Okaloosa County, FL
- Crestview waterfront homes for sale
- Gated communities in Crestview
- Homes under $300K in Crestview
- Homes from $300K to $500K in Crestview
- 4-bedroom homes for sale in Crestview
- Crestview home values: what is my house worth?
- ZIP 32536 housing scorecard
- 2 coming-soon communities in Okaloosa County
Crestview guides & data
- Market data
- Best neighborhoods (ranked by data)
- Property taxes (Okaloosa County)
- Homestead exemption (Okaloosa County)
- Home insurance cost
- New construction
- New construction (Okaloosa County)
- ZIP codes
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in Crestview? Join Momentum in Crestview: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- John King Road (9 homes on record)
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.
Email me new listings in Shoal Creek S/DHomes for Sale
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Shoal Creek S/DHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Shoal Creek S/DHomes for Sale will answer, and the answer is published on this page for the next buyer.
25% of homes for sale in ZIP 32539 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 (2026-10-20).
Recent Developments in Shoal Creek S D
Development, infrastructure, retail, and school activity affecting Shoal Creek S D, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Infrastructure
Okaloosa County stabilizes 180 miles of dirt roads in north county
Okaloosa County has stabilized 180 miles of dirt roads using the voter-approved infrastructure surtax, more than triple the original goal of 50 miles in five years. The roads received a limerock base topped with chip-seal or hot-mix, and the county says only a handful of roads remain. The work is in north Okaloosa County.
What it may mean for the marketPaved rural roads in north Okaloosa could improve year-round access and reduce road maintenance costs for areas near Crestview. The site is about 4 miles north of Shoal Creek S D.
Source: Get The Coast - October 2026Parks & Amenities
Okaloosa and Cinco Bayou open upgraded boat ramp with new trailer parking
Okaloosa County and the Town of Cinco Bayou held a ribbon cutting for upgraded boat ramp facilities, including 16 new boat trailer parking spaces, a new restroom and landscaping. The $4.1 million total, funded largely by tourism development funds, also covers the $2.95 million purchase of a former bank building at 198 Eglin Parkway NE. Future dock improvements are planned.
What it may mean for the marketAdded trailer parking and ramp access improve waterfront recreation access for Fort Walton Beach area boaters. The project is about 21 miles south of Shoal Creek S D, elsewhere in Okaloosa County.
Source: Get The Coast - September 2026Civic
Okaloosa commissioners reject 12-month data center moratorium 3-2
Okaloosa County commissioners voted 3-2 on September 15 against a 12-month data center moratorium. On September 3 the board unanimously directed staff to develop a regulatory framework for data centers, with an outline due within 60 days. No specific project or site was proposed, and commissioners discussed protecting the Shoal River Industrial Park.
What it may mean for the marketThe pending rules will shape where large power-and-land-intensive facilities can locate in the county, including industrial land near Crestview. The site is about 2 miles west of Shoal Creek S D.
Source: Get The Coast - June 2026Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
What it may mean for the marketDirects state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 15 miles south of Shoal Creek S D.
Source: Get The Coast - May 2026Development
Okaloosa commissioners approve master plan for 392-lot River Park subdivision in Crestview
Okaloosa County commissioners unanimously approved the master plan for River Park, a 392 lot single family subdivision on 263 acres east of Main Drive and north of Airport Road in Crestview. The project by River Park Landing LLC will be built in three phases, with each phase requiring a separate development order approval.
What it may mean for the marketAdds substantial single family housing supply to the Crestview market and phases new residential construction onto a large tract in north Okaloosa County. The project is about 3 miles northeast of Shoal Creek S D, elsewhere in Okaloosa County.
Source: Get The Coast - May 2026Infrastructure
Okaloosa County opens $212M Southwest Crestview Bypass
Okaloosa County opened the $212 million Southwest Crestview Bypass, a 3.5 mile four lane corridor connecting Antioch Road to State Road 85 with access from U.S. Highway 90. The project includes a 1,713 foot bridge, sidewalks, a multi use path, and direct access to the new Pineview K-8 school opening in August 2026.
What it may mean for the marketAdds a major four lane traffic corridor serving southwest Crestview and expands regional road capacity for surrounding growth in north Okaloosa County. The site is about 2 miles southwest of Shoal Creek S D.
Source: Get The Coast
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
Is Shoal Creek S/D a buyer's or seller's market right now?
How many homes are in Shoal Creek S/D?
What share of Shoal Creek S/D is owner-occupied?
When were the homes in Shoal Creek S/D built?
Who is the best real estate agent for Shoal Creek S/D?
How do I find a top Crestview real estate agent who knows Shoal Creek S/D?
Can Momentum Realty connect me with an agent for Shoal Creek S/D?
Where is Shoal Creek S/D, and what county is it in?
Should you buy in Shoal 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 21, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32536/32539)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2003 (18 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.
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