Summer Tree
Homes for Sale in Fort Walton Beach, FL

Summer Tree is a modest, long-settled Fort Walton Beach community with no identified shared amenities, so value lives entirely in the houses themselves — their age, size, and how much work has been done to them.

Emerald Coast MLS sales records identify 9 homes in SUMMER TREE that have changed hands since 2004, built between 1987 and 2011 (median 1987), with a median living area of about 1,405 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 SUMMER TREE across 2024–2025 (2 in 2024, 4 in 2025), median $300,000 — 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.

Summer Tree is too small for its own price trend, so here is the market around it.

In ZIP 32547, 198 homes are on the market and 27% are under contract — a steady corner of Fort Walton Beach.

Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).

In ZIP 32547 (Fort Walton Beach), 385 homes closed in the last 12 months at a median of $337K ($136/sq ft), up 12.1% year over year, with a median 38 days on market. Right now 107 active and 39 pending listings put supply at about 4.0 months — a healthy market. See the live ZIP 32547 housing market and the Okaloosa County market.

ZIP and county figures describe the wider market, not Summer Tree specifically. Momentum Research analysis of MLS records.

The defining feature of Summer Tree is the age range of its housing: homes built as early as 1948 sit alongside construction as recent as 2020, with the median landing in 1987. That is a nearly seven-decade spread inside 72 homes, which tells you the community grew in on itself over time rather than arriving as one master-planned phase. Roofs, systems, windows, and floorplans will vary house to house, and so will price.

There are no community amenities identified from current MLS listings, so there is no pool, clubhouse, or fee structure carrying value here. That keeps carrying costs simple but also means the property has to sell itself. At a typical footprint near 1,545 square feet, most homes read as right-sized rather than sprawling — buyers who want space should verify layout in person, since the median size masks the range.

In a community this condition-sensitive, the wrong comp can cost you real money in either direction. We read Summer Tree house by house — matching updates, square footage, and build year to the specific property in front of you rather than leaning on a neighborhood average. That discipline is where you win on an offer or a list price.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.