White Oak Estates
Homes for Sale in Laurel Hill, FL
All 26 homes for sale in Laurel Hill, FL · median $302,400 · 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, 6 recorded sales closed at a median of $212,788, a median 152 days on market, sellers accepting 81% of original asking (-13% versus the prior year). Homes listed or recently sold were built 2025–2025 with 5 new construction. At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $2,740 ($2,230 with the full homestead exemption).
| Location | Laurel Hill, Okaloosa County, FL · ZIP 32539, 32567 |
|---|---|
| Homes in the community | 14 (FL DOR 2025 assessment roll) |
| Years built | 1956–2007 (median 2006.0) |
| Typical living area | 1,683 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Sale prices, last 12 months | $212,788 median across 6 closed sales · -13.1% vs the prior 12 months |
| Days on market (closed sales) | 152 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 27% |
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, “WHITE OAK ESTATES key facts,” movewithmomentum.com/neighborhoods/white-oak-estates, data as of September 20, 2026.
White Oak Estates right now
🔴 Off the recent peak. The trailing-12-month median ($213K) is down 13.1% from the prior 12 months ($245K) and up 58% since 2012. With about 2 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Emerald Coast MLS closed sales, 12-month windows ending September 20. Confidence: Medium (6 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 30, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside WHITE OAK ESTATES 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
White Oak Estates market snapshot (as of September 20, 2026): the median sale price is about $213K, and a median 152 days on market for closed sales. The trailing-12-month median is down 13% from the prior 12 months and up 58% since 2012, computed from record-level Emerald Coast MLS closed sales (6 closings in the current window).
In ZIP 32539 (Laurel Hill), 527 homes closed in the last 12 months at a median of $323K, up 5.8% year over year, with a median 67 days on market. Right now 140 active and 52 pending listings put supply at about 4.2 months — a balanced market. See the live ZIP 32539 housing market and the Okaloosa County market.
White Oak Estates is a community of 14 homes in Laurel Hill, Okaloosa County, built between 1956 and 2007 (median 2006.0), with a median living area of about 1,683 square feet. 27% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of White Oak Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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White Oak EstatesPhotos from Emerald Coast MLS listings in White Oak Estates; content deemed reliable but not guaranteed.
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 ($213K) IS the median in the snapshot above, and the move from 2025 ($245K) IS the -13.1% one-year change.
Windows contain 0 to 6 sales each (6 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.
24% of homes for sale in ZIP 32539 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).
White Oak Estates Market Scorecard
White Oak Estates 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 WHITE OAK ESTATES, Laurel Hill
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.
White Oak Estates 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.
Recent Developments in White Oak Estates
Development, infrastructure, retail, and school activity affecting White Oak Estates, 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 southeast of White Oak Estates.
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 16 miles north of White Oak Estates, 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 12 miles north of White Oak Estates, 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 White Oak Estates buying strategy.
If we were buying in White Oak Estates 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 White Oak Estates.
A closer look at the White Oak Estates market
Homes in White Oak Estates trade around a median of $213K, where condition and lot do more to set the final number than the asking price does.
The trailing-12-month median down 13% year over year. Homes that do trade take a median 152 days on market, useful leverage on any listing that has lingered.
The housing stock is 14 homes built between 1956 and 2007, and 27% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in White Oak Estates. 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 White Oak Estates 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 (2.7). Basis: Long-Term Appreciation +58% since 2012; Recent Direction -13.1% year-over-year; Owner Commitment 27% owner-occupied; Pricing Power 80.6% sale-to-list. Refreshed with each data update.
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 White Oak Estates 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 White Oak Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in White Oak Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your White Oak Estates home worth?
Get a no-obligation home value based on real comparable sales in White Oak Estates, 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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Frequently Asked Questions
What is the median home price in White Oak Estates?
How long do homes in White Oak Estates take to sell?
How many homes are in White Oak Estates?
What share of White Oak Estates is owner-occupied?
When were the homes in White Oak Estates built?
Have White Oak Estates home prices gone up?
Who is the best real estate agent for White Oak Estates?
How do I find a top Laurel Hill real estate agent who knows White Oak Estates?
Can Momentum Realty connect me with an agent for White Oak Estates?
Where is White Oak Estates, and what county is it in?
Is White Oak Estates a good place to live?
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 30, 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 (3 streets, ZIP 32539/32567)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2009 (25 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 WHITE OAK ESTATES fits the bigger picture — live prices, inventory, and Momentum Scores:
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