Swift Creek Plantation
Homes for Sale in Niceville, FL
All 179 homes for sale in Niceville, FL · median $499,900 · 181 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 Plantation in Niceville, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $934,500, a median 28 days on market, sellers accepting 98% of original asking. Homes listed or recently sold were built 2009–2013; none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 73 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $12,050 ($11,540 with the full homestead exemption).
Price here is driven by size and build era more than anything else. The median home runs about 3,646 square feet with a median build year of 2012, and the newest homes reach 2023, so the median sits at $934,500. This is a square-footage-and-condition story: what moves the number is how much house you get and how current it is, not amenities, because there are none identified from current MLS listings.
The posture right now is thin and firm. Just one active listing against 64 homes and only four closings in the trailing window tells you inventory is scarce and turnover is low. A median 28 days on market means well-presented homes are transacting at a reasonable clip. For sellers, that scarcity is leverage; for buyers, it means patience and readiness to move when the rare listing that fits appears.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Swift Creek Plantation right now
🟡 Balanced market. 6.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Emerald Coast MLS records, as of September 20, 2026. Confidence: Medium (2 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Swift Creek Plantation market snapshot (as of September 20, 2026): the median sale price is about $934K, a median 28 days on market for closed sales, and 6.0 months of supply, a balanced market.
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.
Swift Creek Plantation is a community of 64 homes in Niceville, Okaloosa County, built between 2007 and 2023 (median 2012.0), with a median living area of about 3,646 square feet. 95% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Swift Creek Plantation is a small, largely owner-occupied enclave in Niceville — 64 homes with a homestead share above 95% — where the housing stock is newer construction built between 2007 and 2023. Values have roughly doubled since 2012, up 103%.
The setting & the homes.
Aerial and on-site photos of Swift Creek Plantation. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Swift Creek Plantation
Swift Creek Plantation
Swift Creek Plantation
Swift Creek PlantationPhotos from Emerald Coast MLS listings in Swift Creek Plantation; content deemed reliable but not guaranteed.
Who Swift Creek Plantation is best for.
Best for
- Buyers with budgets around the mid-$900s seeking a larger, newer single-family home
- Owner-occupiers who value a stable, low-turnover community and plan to stay
- Buyers ready to move decisively when a rare listing appears
Probably not for
- Buyers who want shared amenities like a pool, clubhouse, or trails on-site
- Shoppers who need multiple options to compare at once
- Investors seeking rental turnover in a 95%-plus homesteaded community
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 ($934K) IS the median in the snapshot above.
Windows contain 0 to 9 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.
29% 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 (2026-10-19).
Swift Creek Plantation Market Scorecard
Swift Creek Plantation is currently a balanced market. About 6.0 months of supply, a median asking price of $817,500, and homes go under contract in about 53 days.
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.
Homes For Sale Right Now in Swift Creek Plantation
Live MLS inventory for Swift Creek Plantation. 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 Plantation listings as of 2026-10-20, 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.
Swift Creek Plantation 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 contributors.
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 Plantation 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 Plantation address.
Shop the zone: Homes zoned for Niceville High School
The Swift Creek Plantation buying strategy.
If we were buying in Swift Creek Plantation 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 Plantation.
A small, tightly held pocket of larger newer homes
The defining trait is scale and stability. With 64 homes and a homestead share of 95.3%, this is not a rental-heavy or investor-churned community — most homes are lived in by their owners, and they don't come to market often. The four closings in the current window and a single active listing confirm how tightly held it is.
The build range of 2007 to 2023 means you're generally looking at newer systems and floor plans, with a median living area of 3,646 square feet putting this firmly in larger-home territory. No community amenities were identified from current listings, so buyers are paying for the house itself — size, condition, and vintage — rather than shared facilities. Expect a wide spread around the $934,500 median driven mostly by condition and how recently a given home was built.
The location and the amenities are priced into every listing in Swift Creek Plantation. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Swift Creek Plantation buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (7.1). Basis: Long-Term Appreciation +84% since 2012; Liquidity & Demand 6.0 months of supply; Owner Commitment 95% owner-occupied; Pricing Power 98.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community this small with one listing and a handful of annual sales, comps are limited and timing matters. We track this pocket closely, know when owners are quietly considering a move, and can help buyers act fast and sellers price against a genuinely thin field rather than guesswork.
Swift Creek Plantation in 15 seconds.
Tools for a Swift Creek Plantation 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 Plantation 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 Plantation, 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 Plantation home worth?
Get a no-obligation home value based on real comparable sales in Swift Creek Plantation, 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 →
Recently off market in SWIFT CREEK PLANTATION
Homes in SWIFT CREEK PLANTATION 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.
- 335 Grove Park Drive · off market
| Location | Niceville, Okaloosa County, FL · ZIP 32578 |
|---|---|
| Homes in the community | 64 (FL DOR 2025 assessment roll) |
| Years built | 2007–2023 (median 2012.0) |
| Typical living area | 3,646 sq ft (median) |
| Amenities listed by sellers | Security System |
| Sale prices, last 12 months | $934,500 median across 4 closed sales |
| Days on market (closed sales) | 28 median |
| For sale right now | 2 active, 0 pending · median asking $817,500 · 6.0 months of supply |
| Owner-occupied (homestead) share | 95% |
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 Plantation key facts,” movewithmomentum.com/neighborhoods/swift-creek-plantation, data as of September 20, 2026.
Housing distress & ownership in SWIFT CREEK PLANTATION, 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.
Every Home for Sale in Swift Creek Plantation Right Now (1)
All 1 active and pending Swift Creek Plantation listings with a detail page, newest first, refreshed twice a day from the MLS.
- 300 Grove Park Drive · $925,000 · 4 bd / 3 ba · listed Aug 27, 2026 · listed by RE/MAX Agency One
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- ZIP 32578 housing scorecard
Niceville guides & data
- Market data
- Property taxes (Okaloosa County)
- Homestead exemption (Okaloosa County)
- Home insurance cost
- New construction
- New construction (Okaloosa County)
- Home builders (Okaloosa County)
Florida buyer guides
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Ask an agent about Swift Creek Plantation
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Recent Developments in Swift Creek Plantation
Development, infrastructure, retail, and school activity affecting Swift Creek Plantation, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Parks & Amenities
Okaloosa and Cinco Bayou open upgraded boat ramp with new trailer parking
Okaloosa County and the Town of Cinco Bayou held a ribbon cutting for upgraded boat ramp facilities, including 16 new boat trailer parking spaces, a new restroom and landscaping. The $4.1 million total, funded largely by tourism development funds, also covers the $2.95 million purchase of a former bank building at 198 Eglin Parkway NE. Future dock improvements are planned.
What it may mean for the marketAdded trailer parking and ramp access improve waterfront recreation access for Fort Walton Beach area boaters. The project is about 10 miles southwest of Swift Creek Plantation, elsewhere in Okaloosa County.
Source: Get The Coast - September 2026Civic
Okaloosa commissioners reject 12-month data center moratorium 3-2
Okaloosa County commissioners voted 3-2 on September 15 against a 12-month data center moratorium. On September 3 the board unanimously directed staff to develop a regulatory framework for data centers, with an outline due within 60 days. No specific project or site was proposed, and commissioners discussed protecting the Shoal River Industrial Park.
What it may mean for the marketThe pending rules will shape where large power-and-land-intensive facilities can locate in the county, including industrial land near Crestview. The project is about 16 miles northwest of Swift Creek Plantation, elsewhere in Okaloosa County.
Source: Get The Coast - September 2026Parks & Amenities
Destin and Okaloosa County agree on management of 4-acre Holiday Isle state park
Destin and Okaloosa County unanimously agreed to back Destin as manager and developer of the roughly four-acre state-acquired park on Holiday Isle near Norriego Point. In return, Destin council voted 5-2 to offer free parking to all Okaloosa County residents at city-owned lots and parks. The deal still requires state Board of Trustees and DEP review.
What it may mean for the marketManagement of the Holiday Isle park and city parking rules will affect public waterfront access and parking in Destin. The project is about 10 miles south of Swift Creek Plantation, elsewhere in Okaloosa County.
Source: Get The Coast - 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 1 mile west of Swift Creek Plantation.
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 17 miles north of Swift Creek Plantation, 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 15 miles northwest of Swift Creek Plantation, 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.
Frequently Asked Questions
What is the median home price in Swift Creek Plantation?
How long do homes in Swift Creek Plantation take to sell?
Is Swift Creek Plantation a buyer's or seller's market right now?
How many homes are in Swift Creek Plantation?
What share of Swift Creek Plantation is owner-occupied?
When were the homes in Swift Creek Plantation built?
Have Swift Creek Plantation home prices gone up?
Who is the best real estate agent for Swift Creek Plantation?
How do I find a top Niceville real estate agent who knows Swift Creek Plantation?
Can Momentum Realty connect me with an agent for Swift Creek Plantation?
Where is Swift Creek Plantation, and what county is it in?
Should you buy in Swift Creek Plantation?
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 20, 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 (4 streets, ZIP 32578)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2009 (56 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.
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See how SWIFT CREEK PLANTATION fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Swift Creek Plantation
- Home values · What homes in Swift Creek Plantation actually sell for
- Find an agent · How to choose the best real estate agent in Swift Creek Plantation
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