SHOAL TERRACE ESTATES
Homes for Sale in Crestview, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via emeraldcoast
Price here is driven mainly by condition and vintage, not by amenities or new construction. The housing stock spans roughly six decades, from 1964 through 2023, with the middle of the range built in 1989, so what you pay tracks closely to how much updating a given home has already had. The median sits at $234,950, and around that number you will find a wide spread depending on renovation status and square footage, with the typical home near 1,330 living feet.
The current posture favors a patient buyer. The median home is taking 72 days to sell, prices are down 4.1% year over year, and the market heat score of 29 points to a slow, unhurried pace. There are no active listings in the snapshot, so timing matters — inventory here comes and goes. Sellers should price to the reality of a soft, condition-sensitive market rather than to hope.
SHOAL TERRACE ESTATES right now
🟡 Off the recent peak. The trailing-12-month median ($235K) is down 4.1% from the prior 12 months ($245K). With about 5 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 emeraldcoast closed sales, 12-month windows ending July 25. Confidence: Low (4 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 25, 2026 · Live data: emeraldcoast, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
SHOAL TERRACE ESTATES market snapshot (as of July 25, 2026): the median sale price is about $235K, and a median 72 days on market for closed sales. The trailing-12-month median is down 4% from the prior 12 months, computed from record-level emeraldcoast closed sales (4 closings in the current window).
SHOAL TERRACE ESTATES is a community of 285 homes in Crestview, Okaloosa County, built between 1964 and 2023 (median 1989), with a median living area of about 1,330 square feet. 62% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Shoal Terrace Estates is an established, mostly owner-occupied pocket of Crestview with an owner-occupancy share around 62%, an older housing base with occasional newer infill, and no shared amenities to carry value.
Who SHOAL TERRACE ESTATES is best for.
Best for
- Buyers with a modest budget willing to update an older home to build value
- Owner-occupants seeking an established, mostly owner-occupied area over a new build
- Patient buyers who can wait for the right listing to surface and negotiate on it
Probably not for
- Buyers who want turnkey new construction with no renovation work
- Anyone who needs community amenities like a pool or clubhouse
- Buyers or investors counting on a fast resale in a soft, slow-moving market
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 25 of each year, from record-level emeraldcoast closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($235K) IS the median in the snapshot above, and the move from 2025 ($245K) IS the -4.1% one-year change.
Windows contain 1 to 12 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.
SHOAL TERRACE ESTATES Market Scorecard
SHOAL TERRACE ESTATES is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: emeraldcoast, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in SHOAL TERRACE ESTATES
Live MLS inventory for SHOAL TERRACE ESTATES. 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 TERRACE ESTATES listings as of 2026-07-25, 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
- Davidson · Middle
- Crestview · High
Zoned schools reflect the assignments reported on recent SHOAL TERRACE ESTATES 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 TERRACE ESTATES address.
The SHOAL TERRACE ESTATES buying strategy.
If we were buying in SHOAL TERRACE ESTATES 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 SHOAL TERRACE ESTATES.
An established stock that rewards the renovator
With 285 homes and a build range from 1964 to 2023, this is not a uniform subdivision — it is a mix of older houses and scattered newer ones. The median build year of 1989 and median size near 1,330 square feet describe a modest, mid-sized home. That variety is the story: two houses at the same address count can trade far apart based purely on what has been updated.
The soft numbers — a 4.1% year-over-year decline and 72 days to sell — mean neither side should move fast. A buyer has room to inspect, negotiate, and walk. A seller needs honest condition assessment and realistic pricing, because with no amenities to lean on and a slow heat score of 29, the home has to compete on its own merits.
The location and the amenities are priced into every listing in SHOAL TERRACE ESTATES. 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 SHOAL TERRACE ESTATES 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 3 factors (6.6). Basis: Recent Direction -4.1% year-over-year; Owner Commitment 62% owner-occupied; Pricing Power 98.1% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a condition-driven market with thin inventory and a slow pace, the value is in reading each home individually — vintage, updates, and square footage — rather than trusting a headline median. We track when listings surface, help buyers judge renovation cost against the $234,950 median, and coach sellers to price into a soft, patient market instead of against it.
SHOAL TERRACE ESTATES in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 TERRACE ESTATES 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 TERRACE ESTATES sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in SHOAL TERRACE ESTATES, 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 TERRACE ESTATES home worth?
Get a no-obligation home value based on real comparable sales in SHOAL TERRACE ESTATES, 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 SHOAL TERRACE ESTATES on the map →
Frequently Asked Questions
What is the median home price in SHOAL TERRACE ESTATES?
How long do homes in SHOAL TERRACE ESTATES take to sell?
How many homes are in SHOAL TERRACE ESTATES?
What share of SHOAL TERRACE ESTATES is owner-occupied?
When were the homes in SHOAL TERRACE ESTATES built?
Do cash buyers compete in SHOAL TERRACE ESTATES?
Who is the best real estate agent for SHOAL TERRACE ESTATES?
How do I find a top Crestview real estate agent who knows SHOAL TERRACE ESTATES?
Can Momentum Realty connect me with an agent for SHOAL TERRACE ESTATES?
Should you buy in SHOAL TERRACE ESTATES?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | emeraldcoast, refreshed twice daily (last: July 25, 2026) |
| Community market stats | emeraldcoast closed sales, 12-month windows ending July 25, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (5 streets, ZIP 32536/32539)) |
| Historical depth | Closed-sale records back to 1993 (115 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 emeraldcoast 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 emeraldcoast member average and 8 days faster, and we’ll price yours against live your area comps.
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