Summer Place
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, Summer Place in Fort Walton Beach, FL has 2 homes for sale. Over the 12 months ending 2026-09-12, 3 recorded sales closed at a median of $820,000, a median 102 days on market, sellers accepting 97% of original asking. At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $10,570 ($10,060 with the full homestead exemption).
Summer Place is a small, established pocket in Fort Walton Beach — 76 homes built across a wide span, from 1965 to 2005, with the median build landing in 2003. That range is the whole story on price here: this is a condition- and vintage-driven market, not a spec-sheet one. Two homes sitting side by side can be decades apart in age and updates, so what sets value is the individual house, not a neighborhood floor or ceiling.
With only 2 active listings and 2 closings in the trailing window, this is a thin, quiet market. Sellers benefit from limited competition, but that also means comps are sparse and pricing takes real work. Buyers should expect to move on the right house when it appears rather than wait for a menu of options — and to underwrite each home on its own merits.
The 60-Second Overview
Summer Place market snapshot (as of September 12, 2026): the median sale price is about $820K, and a median 102 days on market for closed sales.
A compact 76-home community in Okaloosa County where the housing stock spans four decades but skews newer at the median, meaning the spread in condition and updates matters more here than any single price band. Roughly two-thirds of homes are homesteaded, which points to an owner-occupied core rather than a heavy investor presence.
Who Summer Place is best for.
Best for
- Owner-occupiers wanting a stable, low-turnover neighborhood who can move quickly when a listing appears
- Buyers comfortable evaluating a home on its own condition and vintage rather than a neighborhood price band
- Those seeking around 2,300 square feet of living space in an established Fort Walton Beach location
Probably not for
- Buyers who want to compare several active listings before committing
- Anyone who requires community amenities, since none are identified from current listings
- Investors seeking a rental-heavy community, given the roughly two-thirds owner-occupied share
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($820K) IS the median in the snapshot above.
Windows contain 1 to 6 sales each (3 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.
SUMMER PLACE Market Scorecard
SUMMER PLACE is currently a thin data market. Limited supply, a median asking price of $1,097,500, and homes go under contract in about 80 days.
Typical home value in the 32548 ZIP is $341,402, about 7.2% above 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 SUMMER PLACE, 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.
Homes For Sale Right Now in Summer Place
Live MLS inventory for Summer Place. 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 Summer Place 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
- Elliott Point · Elementary
- Bruner · Middle
- Fort Walton Beach · High
Zoned schools reflect the assignments reported on recent Summer Place 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 Summer Place address.
The Summer Place buying strategy.
If we were buying in Summer Place 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 Summer Place.
A vintage-driven pocket
The year-built range — 1965 to 2005 — is the single most important thing to understand about Summer Place. With a median build of 2003 and median living space around 2,317 square feet, the newer end of the community carries some genuine size, but older homes are in the mix and will trade on their own terms. There are no community amenities identified from current MLS listings, so you are buying the house and the location, not a shared package.
The homestead share near 65% suggests a stable, largely owner-occupied community rather than a rental-heavy one. Combined with the low listing and closing counts, that stability tends to keep inventory tight. For a buyer, that means patience and readiness; for a seller, it means pricing to the specific condition of your home instead of leaning on a broad neighborhood average.
The location and the amenities are priced into every listing in Summer Place. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin — two actives, two recent closings, and a housing stock that ranges from the mid-1960s to the mid-2000s — accurate pricing comes from reading each home against a limited pool of comps, not from a formula. We do that work directly, help buyers move decisively when the right listing surfaces, and help sellers position an older or updated home honestly against what little is actually trading.
Summer Place 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 Summer Place 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 Summer Place sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Summer Place, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Summer Place home worth?
Get a no-obligation home value based on real comparable sales in Summer Place, 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 Summer Place on the map →
Frequently Asked Questions
What is the median home price in Summer Place?
How long do homes in Summer Place take to sell?
Have Summer Place home prices gone up?
Who is the best real estate agent for Summer Place?
How do I find a top Fort Walton Beach real estate agent who knows Summer Place?
Can Momentum Realty connect me with an agent for Summer Place?
Should you buy in Summer Place?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Summer Place with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: July 25, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2004 (72 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 SUMMER PLACE fits the bigger picture — live prices, inventory, and Momentum Scores: