Sunset Beach
Homes for Sale in Fort Walton Beach, FL
All 414 homes for sale in Fort Walton Beach, FL · median $398,000 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $385,000, a median 26 days on market, sellers accepting 98% of original asking. Homes listed or recently sold were built 1975–1976; none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 17 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,960 ($4,460 with the full homestead exemption).
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32439, 32547, 32548, 32578 |
|---|---|
| Homes in the community | 217 (FL DOR 2025 assessment roll) |
| Years built | 1923–2024 (median 1976) |
| Typical living area | 2,385 sq ft (median) |
| Sale prices, last 12 months | $385,000 median across 4 closed sales |
| Days on market (closed sales) | 26 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 76% |
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, “SUNSET BEACH key facts,” movewithmomentum.com/neighborhoods/sunset-beach, data as of September 20, 2026.
Price in Sunset Beach is driven by condition and the individual home, not by any single build era. The housing stock spans from 1923 to 2024, with a median build year of 1976, so what you're really buying is a specific structure on a specific lot — a mid-century house held to original spec will trade very differently from a teardown-and-rebuild or a recent new-construction infill on the same street.
With just one active listing against 217 homes and only two closings in the recent window, this is a thin, low-turnover market. For a buyer, that means patience and a willingness to move when the right home surfaces; for a seller, it means limited visible competition, but also few recent comps to anchor a number — pricing here is an argument you make with the property, not one the market makes for you.
Nearby homes for sale
No active listings inside SUNSET BEACH 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
Sunset Beach market snapshot (as of September 20, 2026): the median sale price is about $385K, and a median 27 days on market for closed sales.
In ZIP 32439 (Fort Walton Beach), 679 homes closed in the last 12 months at a median of $385K, down 3.3% year over year, with a median 70 days on market. Right now 301 active and 108 pending listings put supply at about 5.5 months — a buyer's market. See the live ZIP 32439 housing market and the Walton County market.
County records show 18 qualified sales in SUNSET BEACH across 2024–2025 (10 in 2024, 8 in 2025), median $595,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Sunset Beach is a community of 217 homes in Fort Walton Beach, Okaloosa County, built between 1923 and 2024 (median 1976), with a median living area of about 2,385 square feet. 76% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Sunset Beach is a small, established pocket of Fort Walton Beach where roughly three-quarters of homes are homesteaded — an owner-occupied core that keeps turnover low and inventory scarce. Median living space runs a generous 2,390 square feet, so the typical home is not a starter footprint.
The setting & the homes.
Aerial and on-site photos of Sunset Beach. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Sunset Beach
Sunset Beach
Sunset Beach
Sunset BeachPhotos from Emerald Coast MLS listings in Sunset Beach; content deemed reliable but not guaranteed.
Who Sunset Beach is best for.
Best for
- Long-horizon buyers who want to hold in an established coastal pocket and can wait for scarce inventory
- Buyers targeting a specific larger home with room to renovate, comfortable budgeting for condition and inspections
- Owner-occupants who value a low-turnover, primarily homesteaded street over a high-activity resale market
Probably not for
- Buyers who need to close quickly and want several homes to compare at once
- Anyone wanting HOA amenities or a maintained community package, which the listings don't show here
- Buyers seeking a fully turnkey home who don't want to underwrite an older structure's age and systems
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($385K) IS the median in the snapshot above.
Windows contain 0 to 4 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.
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.
26% of homes for sale in ZIP 32439 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 (2026-09-20).
Sunset Beach Market Scorecard
Sunset Beach is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Emerald Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in SUNSET BEACH, 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.
Sunset Beach on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap, tiles © CARTO.
The Sunset Beach buying strategy.
If we were buying in Sunset Beach 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 Sunset Beach.
A century of build years on one map
The century-wide construction range — 1923 to 2024 — is the single most important thing to understand here. This is not a uniform subdivision; it's an older coastal-town fabric that has been infilled and rebuilt over decades. Two homes a block apart can differ by generations of construction standards, foundation type, and hurricane-code compliance, which is why condition and updates matter far more than any headline number.
The homestead share of about 76% tells you most owners live in their homes rather than turning them over, which reinforces the low listing count. Momentum has identified no shared community amenities from current MLS listings, so the value proposition is the location and the individual property, not an HOA package. Buyers should budget for inspections that go deep on roof, systems, and elevation given the age spread.
The location and the amenities are priced into every listing in Sunset Beach. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin — one active listing, two recent closings — the winning move is knowing about homes before or as they hit, and pricing correctly with almost no fresh comps to lean on. We work the block-by-block condition differences that a century of build years creates, so you're not overpaying for age or underestimating a rebuild. That local read is the whole job here.
Sunset Beach 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 Sunset Beach 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 Sunset Beach sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sunset Beach, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sunset Beach home worth?
Get a no-obligation home value based on real comparable sales in Sunset Beach, 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 Fort Walton Beach →
Recently off market in SUNSET BEACH
Homes in SUNSET BEACH 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. 2 on record.
- 507 Amelia Street · off market
- 618 Russell Boulevard · off market
Frequently Asked Questions
What is the median home price in Sunset Beach?
How long do homes in Sunset Beach take to sell?
How many homes are in Sunset Beach?
What share of Sunset Beach is owner-occupied?
When were the homes in Sunset Beach built?
Who is the best real estate agent for Sunset Beach?
How do I find a top Fort Walton Beach real estate agent who knows Sunset Beach?
Can Momentum Realty connect me with an agent for Sunset Beach?
Where is Sunset Beach, and what county is it in?
Should you buy in Sunset Beach?
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) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (7 streets, ZIP 32439/32547/32548/32578)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1997 (51 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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See how SUNSET BEACH fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Sunset BeachHomes for Sale in Fort Walton Beach, FL with Momentum Realty’s local guides.
