Waterford Estates S/D
Homes for Sale in Mary Esther, FL
All 64 homes for sale in Mary Esther, FL · median $324,900 · 66 homes for sale in 32569 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of November 2026, Waterford Estates S/D in Mary Esther, FL has 3 homes for sale. Over the 12 months ending 2026-11-09, 3 recorded sales closed at a median of $357,900, a median 38 days on market, sellers accepting 99% of original asking. Homes listed or recently sold were built 1999–2002; 10 of 11 report an HOA (median $8/mo); 1 of the 11 geocoded homes sit in a FEMA special flood hazard zone (median elevation 9 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,620 ($4,110 with the full homestead exemption).
Homes For Sale Right Now in Waterford Estates S/D
Live MLS inventory for Waterford Estates S/D. 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 · 138 daysTop listingActive · 45 days
Active · 119 daysActive and pending Waterford Estates S/D listings as of 2026-11-12, 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.
Price here is driven by condition and vintage, not by amenities or a view premium. With homes built across a span from 1980 to 2023 and a median build year of 2000, what you pay tracks closely to how much updating a given house has already absorbed. The median sits at $345,000, and expect a wide spread around it depending on renovation status.
Market posture is moderate. A median of 37 days on market and a heat score of 42 point to a market that neither favors buyers nor sellers outright. With only 4 active listings against 8 recent closings, inventory is thin, so a well-prepped listing moves, and a buyer should be ready to act on the right house without expecting deep discounts.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Waterford Estates S/D right now
🟡 Balanced market. 4.5 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 November 9, 2026. Confidence: Medium (3 active and pending listings, 3 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 12, 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
Waterford Estates S/D market snapshot (as of November 9, 2026): the median sale price is about $358K, a median 38 days on market for closed sales, and 4.5 months of supply, a balanced market.
In ZIP 32569 (Mary Esther), 64 homes closed in the last 12 months at a median of $325K, up 10.3% year over year, with a median 68 days on market. Right now 41 active and 12 pending listings put supply at about 7.7 months — a buyer's market. See the live ZIP 32569 housing market and the Okaloosa County market.
County records show 10 qualified sales in WATERFORD ESTATES S/D across 2024–2025 (7 in 2024, 3 in 2025), median $340,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Waterford Estates S/D is a community of 110 homes in Mary Esther, Okaloosa County, built between 1998 and 2002 (median 2000.0), with a median living area of about 1,838 square feet. 59% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Waterford Estates is an established subdivision of 169 homes in Mary Esther, with a build range wide enough that two houses on the same street can be two decades apart. The high owner-occupancy share signals a stable, lived-in community rather than an investor-heavy one.
The setting & the homes.
Aerial and on-site photos of Waterford Estates S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Waterford Estates S/D
Waterford Estates S/DPhotos from Emerald Coast MLS listings in Waterford Estates S/D; content deemed reliable but not guaranteed.
Who Waterford Estates S/D is best for.
Best for
- Buyers targeting a mid-sized home near the $345,000 median who will vet condition carefully
- Owner-occupants who value a stable, established subdivision over new construction uniformity
- Buyers ready to act quickly given limited active inventory
Probably not for
- Buyers who require community amenities like a pool or clubhouse
- Buyers wanting uniform, same-era new construction rather than a mixed-vintage street
- Buyers seeking deep discounts or a heavy buyer's-market negotiating edge
Waterford Estates S/D 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
- Florosa · Elementary
- Bruner · Middle
- Fort Walton Beach · High
Zoned schools reflect the assignments reported on recent Waterford Estates S/D 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 Waterford Estates S/D address.
Shop the zone: Homes zoned for Fort Walton Beach High School
The Waterford Estates S/D buying strategy.
If we were buying in Waterford Estates S/D 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 Waterford Estates S/D.
Condition is the variable
With a median year built around 2000 and a range reaching back to 1980, the housing stock varies meaningfully. A median living area near 1,912 square feet gives you a practical, mid-sized footprint, but the real differentiator between two listings will be roof, systems, and interior updates. Read each home on its own merits.
Owner-occupancy runs about 63 percent, which tends to correlate with maintained homes and fewer rapid turnovers. Year-over-year values are up 4.7 percent, a measured pace that reflects the market rather than any single project or catalyst. No community amenities were identified from current MLS listings, so value here rests on the homes and the location, not shared facilities.
The location and the amenities are priced into every listing in Waterford Estates S/D. 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 Waterford Estates S/D 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 3 factors (7.0). Basis: Liquidity & Demand 4.5 months of supply; Owner Commitment 59% owner-occupied; Pricing Power 99.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a subdivision where price is dictated by condition and vintage, the work is in reading each house accurately and pricing against comparable updates rather than a headline median. With inventory this thin, we help buyers move decisively on the right home and help sellers prep so their listing clears at the top of what its condition supports.
Waterford Estates S/D in 15 seconds.
Tools for a Waterford Estates S/D 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 Waterford Estates S/D sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waterford Estates S/D, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waterford Estates S/D home worth?
Get a no-obligation home value based on real comparable sales in Waterford Estates S/D, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in WATERFORD ESTATES S/D
Homes in WATERFORD ESTATES S/D 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. 3 on record.
- 415 Pristine Water Lane · off market
- 422 Pristine Water Lane · off market
- 623 Parish Boulevard · off market
| Location | Mary Esther, Okaloosa County, FL · ZIP 32569 |
|---|---|
| Homes in the community | 110 (FL DOR 2025 assessment roll) |
| Years built | 1998–2002 (median 2000.0) |
| Typical living area | 1,838 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Sale prices, last 12 months | $357,900 median across 3 closed sales |
| Days on market (closed sales) | 38 median |
| For sale right now | 3 active, 0 pending · median asking $358,000 · 4.5 months of supply |
| Owner-occupied (homestead) share | 59% |
Data as of November 9, 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, “Waterford Estates S/D key facts,” movewithmomentum.com/neighborhoods/waterford-estates-s-d, data as of November 9, 2026.
Housing distress & ownership in WATERFORD ESTATES S/D, Mary Esther
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.
Just listed in Waterford Estates S/D
The newest homes for sale in Waterford Estates S/D right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 434 Pristine Water Lane $358,000 · 3 bd · 2 ba · listed Sep 26, 2026 Courtesy of All American Realty and Investment Group PLLC
- 398 Pristine Water Lane $335,000 · 3 bd · 2 ba · listed Jul 14, 2026 Courtesy of Anchor Realty Florida
- 432 Pristine Water Lane $390,000 · 3 bd · 2 ba · listed Jun 25, 2026 Courtesy of Gettinger Realty Group
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Waterford Estates S D Right Now (3)
All 3 active and pending Waterford Estates S D listings with a detail page, newest first, refreshed twice a day from the MLS.
- 434 Pristine Water Lane · $358,000 · 3 bd / 2 ba · listed Sep 26, 2026 · listed by All American Realty and Investment Group PLLC
- 398 Pristine Water Lane · $335,000 · 3 bd / 2 ba · listed Aug 29, 2026 · listed by Anchor Realty Florida
- 432 Pristine Water Lane · $390,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Gettinger Realty Group
Recently sold in Waterford Estates S D
- 415 Pristine Water Lane · sold $345,000
- 623 Parish Boulevard · sold $370,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Mary Esther home searches
- All homes for sale in Mary Esther, FL
- Homes for sale in Okaloosa County, FL
- Mary Esther home values: what is my house worth?
- ZIP 32569 housing scorecard
- 8 coming-soon communities in Okaloosa County
Mary Esther 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
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Pristine Water Lane (41 homes on record)
What it really costs to own in Waterford Estates S/D
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $2,874/yr across 8 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | MLS listings here mostly enter dues as billed annually, but the median entry is only $100/year across 8 listings (2026-11-12), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues. |
| Home and flood insurance | The average Citizens Property Insurance premium in Okaloosa County is $2,644/yr (1,101 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2001 across 8 listings. An original roof here would be about 25 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Waterford Estates S/D
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Ask an agent about Waterford Estates S/D
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Waterford Estates S/D will answer, and the answer is published on this page for the next buyer.
WATERFORD ESTATES S/D Market Scorecard
WATERFORD ESTATES S/D is currently a balanced market. About 4.5 months of supply, a median asking price of $358,000, and homes go under contract in about 122 days.
Typical home value in the 32569 ZIP is $319,306, about 13.7% below 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.
Recent Developments in Waterford Estates S D
Development, infrastructure, retail, and school activity affecting Waterford Estates S D, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Infrastructure
Okaloosa outlines Gap Creek drainage projects and permitting hurdles in Fort Walton Beach
County staff described five stormwater efforts, including the Overbrook drainage work, a planned 2.67-acre Sylvania Heights stormwater park estimated at $4 million, and Lloyd Street and Mayflower Avenue improvements expected to go to bid in early 2027. Air Force environmental review and state and Army Corps permits for dredging complicate the timeline.
What it may mean for the marketPlanned drainage upgrades could reduce flooding exposure in the Gap Creek basin over time, though permitting delays mean relief is likely several years out. The project is about 5 miles west of Waterford Estates S D, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Retail & Dining
7 Brew drive-thru coffee stand opens on Beal Parkway in Fort Walton Beach
The stand at 799 Beal Parkway opened Oct. 19 and is the chain's second in Fort Walton Beach. It is expected to add 75 local jobs, and an opening fundraiser raised $4,661 for an equine therapy nonprofit.
What it may mean for the marketA new drive-thru option along Beal Parkway adds early-morning and late-night food and beverage access and about 75 jobs nearby. The project is about 6 miles west of Waterford Estates S D, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Retail & Dining
TJ Maxx to open 33,865-square-foot Destin store Nov. 1 at Paradise Key
The off-price retailer opens at 4437 Commons Drive East with a grand opening from 8 a.m. to 8 p.m. on Nov. 1. Regular hours run 9:30 a.m. to 9:30 p.m. daily, and the store sells apparel, accessories, jewelry, and home and beauty goods.
What it may mean for the marketA new national off-price anchor adds everyday shopping close to Destin's commercial corridor and may shorten trips for retail needs. The project is about 6 miles east of Waterford Estates S D, elsewhere in Okaloosa County.
Source: Get The Coast - 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 5 miles west of Waterford Estates S D, 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 site is about 2 miles southeast of Waterford Estates S D.
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 7 miles north of Waterford Estates S D.
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 Waterford Estates S/D?
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Is Waterford Estates S/D a buyer's or seller's market right now?
How many homes are in Waterford Estates S/D?
What share of Waterford Estates S/D is owner-occupied?
When were the homes in Waterford Estates S/D built?
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Where is Waterford Estates S/D, and what county is it in?
Should you buy in Waterford Estates S/D?
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: November 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending November 9, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32569)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (3 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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