Spencers Crossing
Homes for Sale in Mary Esther, FL
All 67 homes for sale in Mary Esther, FL · median $324,900 · 74 homes for sale in 32569 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, the MLS records 22 closed sales in Spencers Crossing in Mary Esther, FL since 1993, the most recent in August 2026. Across Mary Esther as a whole, 145 homes closed in the last 12 months at a median of $319,900, 70 median days on market, with 51 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,130 ($3,620 with the full homestead exemption).
| Location | Mary Esther, Okaloosa County, FL · ZIP 32569 |
|---|---|
| Homes in the community | 20 (FL DOR 2025 assessment roll) |
| Years built | 1984–1985 (median 1984.0) |
| Typical living area | 1,896 sq ft (median) |
| Amenities listed by sellers | Playground, Security System |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 70% |
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, “SPENCERS CROSSING key facts,” movewithmomentum.com/neighborhoods/spencers-crossing, data as of September 20, 2026.
Spencers Crossing is a small pocket in Mary Esther, and right now it is quiet in the most literal sense: zero active listings and a single closing in the most recent window. That is not a story about demand or pricing so much as a story about supply. There is simply nothing on the market to react to, which means value here is set property by property, on condition and timing, rather than by a running comparison of competing listings.
For a seller, that thin inventory can cut in your favor — a well-prepared home enters a market with no direct on-market competition inside the community. For a buyer, it means patience and a willingness to move when something does list, because you may be looking at one opportunity rather than a shelf to browse. Either way, this is a place where you lean on recent closed data and broker legwork, not a deep active pool.
Nearby homes for sale
No active listings inside SPENCERS CROSSING right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Spencers Crossing is a modest residential community in Mary Esther, in Okaloosa County, that trades rarely rather than often — the current snapshot shows no homes listed and only a single recent closing to work from.
Emerald Coast MLS sales records identify 12 homes in SPENCERS CROSSING that have changed hands since 2001, built between 1984 and 1985 (median 1984), with a median living area of about 1,671 sq ft and a typical 3-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.
Who Spencers Crossing is best for.
Best for
- Long-term buyers who value a quiet, low-turnover location over active-market selection
- Patient buyers prepared to move quickly when a single listing appears
- Owners planning to hold for years rather than trade in and out
Probably not for
- Buyers who need multiple homes to compare before committing
- Buyers prioritizing shared community amenities, which are not present here
- Investors seeking frequent turnover and steady transaction volume
The market around Spencers Crossing
Spencers Crossing is too small for its own price trend, so here is the market around it.
In ZIP 32569, 115 homes are on the market and 31% are under contract — a fast-moving corner of Mary Esther.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
In ZIP 32569 (Mary Esther), 304 homes closed in the last 12 months at a median of $325K ($218/sq ft), up 0.1% year over year, with a median 51 days on market. Right now 77 active and 41 pending listings put supply at about 3.9 months — a balanced market. See the live ZIP 32569 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Spencers Crossing specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in SPENCERS CROSSING, Mary Esther
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.
Recent Developments in Spencers Crossing
Development, infrastructure, retail, and school activity affecting Spencers Crossing, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- 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 8 miles north of Spencers Crossing.
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 26 miles north of Spencers Crossing, 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 project is about 22 miles north of Spencers Crossing, elsewhere in Okaloosa County.
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.
The Spencers Crossing buying strategy.
If we were buying in Spencers Crossing 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 Spencers Crossing.
A low-turnover pocket in Mary Esther
The defining feature here is scarcity of activity. With no active listings and one closing in the latest window, Spencers Crossing behaves like a hold-and-stay community where homes change hands infrequently. That can be a strength for long-term ownership, but it makes real-time pricing harder to triangulate, since there is little live inventory to anchor to.
No community amenities surface from current MLS listings, so the draw here is location and the homes themselves rather than shared facilities. Mary Esther's position in Okaloosa County puts you within the broader Emerald Coast corridor, and that regional access — not an amenity package — is what you are buying into.
The location and the amenities are priced into every listing in Spencers Crossing. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with no active listings and razor-thin recent activity, the value we add is legwork: tracking off-market movement, reading the one recent closing for what it actually tells us, and setting realistic expectations on both sides. When there is little live data, you want a broker who will say so plainly and price on evidence rather than optimism.
Spencers Crossing 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 Spencers Crossing 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 Spencers Crossing sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Spencers Crossing, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Spencers Crossing home worth?
Get a no-obligation home value based on real comparable sales in Spencers Crossing, 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 Mary Esther →
Recently off market in SPENCERS CROSSING
Homes in SPENCERS CROSSING that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 15 Winfield Way · off market
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.
Frequently Asked Questions
How many homes are in Spencers Crossing?
What share of Spencers Crossing is owner-occupied?
When were the homes in Spencers Crossing built?
Who is the best real estate agent for Spencers Crossing?
How do I find a top Mary Esther real estate agent who knows Spencers Crossing?
Can Momentum Realty connect me with an agent for Spencers Crossing?
Where is Spencers Crossing, and what county is it in?
Should you buy in Spencers Crossing?
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) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32569)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1993 (22 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.
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Nearby Communities
Explore more neighborhoods near Spencers Crossing with Momentum Realty’s local guides.