Swift Creek
Homes for Sale in Niceville, FL
All 182 homes for sale in Niceville, FL · median $499,900 · 183 homes for sale in 32578 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, Swift Creek Ph Vi in Niceville, FL has 2 homes for sale. As of October 2026, the MLS records 94 closed sales in Swift Creek Ph Vi in Niceville, FL since 2009, the most recent in July 2026. Across Niceville as a whole, 246 homes closed in the last 12 months at a median of $530,000, 41 median days on market, with 61 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $6,830 ($6,330 with the full homestead exemption).
| Location | Niceville, Okaloosa County, FL · ZIP 32578 |
|---|---|
| Homes in the community | 158 (FL DOR 2025 assessment roll) |
| Years built | 2001–2023 (median 2012) |
| Typical living area | 3,441 sq ft (median) |
| Amenities listed by sellers | Community Room, Picnic Area, Playground, Pool, Tennis Court(s), Fishing |
| For sale right now | 2 active, 0 pending · median asking $924,500 |
| Owner-occupied (homestead) share | 90% |
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, “SWIFT CREEK PH VI key facts,” movewithmomentum.com/neighborhoods/swift-creek-ph-vi, data as of September 20, 2026.
Price here is driven by the homes themselves, not by shared amenities. With no community amenities identified from current MLS listings, what a buyer pays tracks square footage, condition, and vintage. That matters because the housing stock spans a wide build range, from 2001 to 2023, with a median build year of 2011 and a median living area north of 3,400 square feet. Expect a meaningful spread between an original early-2000s home and a recent, updated one.
Posture is tight and quiet. Only two active listings against 179 homes, and homestead occupancy sits near 90 percent, so turnover is low and inventory rarely lingers. Sellers have leverage when their home is well presented; buyers should be ready to move on the right listing rather than wait for a broad selection, because at this cadence there simply isn't one.
The 60-Second Overview
Swift Creek Ph VI is an established, larger-home enclave in Niceville where owner-occupancy runs high and listings are scarce. This is a hold-and-live community more than a churn market.
Emerald Coast MLS sales records identify 240 homes in SWIFT CREEK that have changed hands since 2001, built between 1999 and 2024 (median 2007), with a median living area of about 2,905 sq ft and a typical 4-bedroom, 3-bath layout; 98% 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 7 qualified sales in SWIFT CREEK across 2024–2025 (4 in 2024, 3 in 2025), median $890,000 — 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.
Who Swift Creek is best for.
Best for
- Buyers who need substantial square footage and plan to stay long term
- Owner-occupants comfortable acting quickly when a rare listing appears
- Buyers weighing an early-2000s home against a newer build and pricing on condition
Probably not for
- Buyers who want pool, clubhouse, or other shared community amenities
- Shoppers who need a broad, always-available selection to compare
- Investors counting on high turnover or short holding periods
The market around Swift Creek
Swift Creek is too small for its own price trend, so here is the market around it.
In ZIP 32578, 265 homes are on the market and 31% are under contract — a fast-moving corner of Niceville.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
In ZIP 32578 (Niceville), 347 homes closed in the last 12 months at a median of $530K, down 4.2% year over year, with a median 43 days on market. Right now 66 active and 39 pending listings put supply at about 3.4 months — a healthy market. See the live ZIP 32578 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Swift Creek specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in SWIFT CREEK PH VI, Niceville
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 Swift Creek
Live MLS inventory for Swift Creek. 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 Swift Creek 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.
Every Home for Sale in Swift Creek Ph Vi Right Now (2)
All 2 active and pending Swift Creek Ph Vi listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4014 Sugarcane Creek Run · $1,199,000 · 5 bd / 3.5 ba · listed Jul 5, 2026 · listed by EXP Realty LLC
- 831 Coldwater Creek Circle · $650,000 · 3 bd / 3 ba · listed Jul 2, 2026 · listed by Sage Counsel Realty LLC
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Edge · Elementary
- Ruckel · Middle
- Niceville · High
Zoned schools reflect the assignments reported on recent Swift Creek 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 Swift Creek address.
Shop the zone: Homes zoned for Niceville High School
Recent Developments in Swift Creek Ph Vi
Development, infrastructure, retail, and school activity affecting Swift Creek Ph Vi, 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 3 miles northwest of Swift Creek Ph Vi.
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 20 miles north of Swift Creek Ph Vi, 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 18 miles northwest of Swift Creek Ph Vi, 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 Swift Creek buying strategy.
If we were buying in Swift Creek 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 Swift Creek.
Size, vintage, and a thin board
The defining trait is scale. A median living area above 3,400 square feet puts these among the more substantial floor plans in the area, and the 2001-2023 build range means you can find both early-2000s construction and homes barely a few years old. With a median build year of 2011, most of the stock is neither brand new nor dated, which makes condition and updates the real pricing variable.
The other defining trait is scarcity. Two homes active out of 179 is a very thin board, and a homestead share near 90 percent tells you owners tend to stay put. For buyers, that means patience and readiness; for sellers, it means a well-prepared home faces limited direct competition when it hits the market.
The location and the amenities are priced into every listing in Swift Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this thin, timing and pricing are everything, and there are no amenity shortcuts to lean on. We track the handful of listings and off-market movement in Swift Creek Ph VI closely, so buyers hear about a fit fast and sellers price to condition against a small, specific comp set rather than a generic neighborhood average.
Swift Creek 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 Swift Creek 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 Swift Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Swift Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Swift Creek home worth?
Get a no-obligation home value based on real comparable sales in Swift Creek, 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 Niceville →
30% of homes for sale in ZIP 32578 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 (2026-10-01).
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 Swift Creek?
What share of Swift Creek is owner-occupied?
When were the homes in Swift Creek built?
Who is the best real estate agent for Swift Creek?
How do I find a top Niceville real estate agent who knows Swift Creek?
Can Momentum Realty connect me with an agent for Swift Creek?
Where is Swift Creek, and what county is it in?
Should you buy in Swift Creek?
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: July 25, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (8 streets, ZIP 32578)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2009 (94 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 SWIFT CREEK PH VI fits the bigger picture — live prices, inventory, and Momentum Scores:
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