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Whitrock Village S/D in Fort Walton Beach

Whitrock Village S/D
Homes for Sale in Fort Walton Beach, FL

By , Co-Founder, Momentum Realty · Updated October 20, 2026

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All 405 homes for sale in Fort Walton Beach, FL · median $389,999 · 140 homes for sale in 32547 · Okaloosa County homes for sale

Community in Fort Walton Beach · Okaloosa County · ZIP 32547
46 homesBuilt 1997–2001
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Photo via Emerald Coast MLS

Built fromLive Emerald Coast MLS data29 years of closingsFL DOR public recordsUpdated twice daily

Homes listed or recently sold were built 1997–1998; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft). As of October 2026, the MLS records 40 closed sales in Whitrock Village S/D in Fort Walton Beach, FL since 1997, the most recent in June 2026. Across Fort Walton Beach as a whole, 287 homes closed in the last 12 months at a median of $357,612, 39 median days on market, with 385 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,610 ($4,100 with the full homestead exemption).

Last 30 days in Whitrock Village S/D: 1 closed sale (median $379,500). As of October 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.

Live · Whitrock Village S/D Housing Pulse Emerald Coast MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
100%
Under contract
Okaloosa: 23% (551 of 2,441)
0 · 1
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 2 a year
Ownership and context
78%
Owner-occupied · Whitrock Village S/D
36 of 46 parcels homesteaded (FL DOR 2025)
22%
Non-owner-occupied · Whitrock Village S/D
incl. 9% trust or LLC-held · 4% out-of-state
46
Homes in the community
46 residential parcels (FL DOR 2025)
Track record · 29 years of records
3
Recorded sales · 2024-2025
median $395K · qualified sales on the county roll (FL DOR 2025)
Est. 1997
Community established
homes built 1997-2001, median 1998 (FL DOR 2025)
4.3%/yr
Turnover rate
about 2 of 46 homes trade a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 26, 2026

Whitrock Village is a small, tightly defined subdivision of 46 homes built in a narrow window between 1997 and 2001, with the typical house landing around 1998. When stock is this consistent in age and the median floor plan sits near 2,110 square feet, price is driven far more by condition and updates than by square footage or vintage. Two homes of the same footprint here can trade well apart depending on kitchens, roofs, HVAC, and how the finishes have aged.

The other structural fact is scarcity. With only 46 homes and a homestead share near 78%, most of this community is owner-occupied and not churning, so the resale pool at any given moment is thin. For a buyer that means patience and readiness to move when a well-kept home lists; for a seller it means limited direct comparables and a real advantage if your home shows well against dated inventory.

Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.

The 60-Second Overview

Whitrock Village is a compact, late-1990s subdivision in Fort Walton Beach where nearly four in five homes are homesteaded — an established, low-turnover pocket rather than an investor-heavy one.

Emerald Coast MLS sales records identify 20 homes in WHITROCK VILLAGE S/D that have changed hands since 2002, built between 1997 and 2001 (median 1998), with a median living area of about 1,804 sq ft and a typical 3-bedroom, 2-bath layout; 100% 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 3 qualified sales in WHITROCK VILLAGE S/D across 2024–2025 (2 in 2024, 1 in 2025), median $395,000 — 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.

Quick Match

Who Whitrock Village S/D is best for.

Best for

  • Buyers seeking a primary residence in an established, owner-occupied subdivision and willing to wait for the right listing
  • Buyers with a renovation budget who can add value to a late-1990s home that needs system or cosmetic updates
  • Buyers who prefer a single-family home with no HOA amenity fees over a resort-style community

Probably not for

  • Buyers who need to choose from many active listings and move quickly
  • Buyers wanting turnkey new construction or resort amenities like a pool or clubhouse
  • Investors expecting high turnover and a deep rental inventory in a heavily homesteaded pocket
The Area Market

The market around Whitrock Village S/D

Whitrock Village S/D is too small for its own price trend, so here is the market around it.

In ZIP 32547, 198 homes are on the market and 27% are under contract — a steady corner of Fort Walton Beach.

Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).

In ZIP 32547 (Fort Walton Beach), 385 homes closed in the last 12 months at a median of $337K ($136/sq ft), up 12.1% year over year, with a median 38 days on market. Right now 107 active and 39 pending listings put supply at about 4.0 months — a healthy market. See the live ZIP 32547 housing market and the Okaloosa County market.

ZIP and county figures describe the wider market, not Whitrock Village S/D specifically. Momentum Research analysis of MLS records.

Interactive Map

Whitrock Village 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.

The Strategy

The Whitrock Village S/D buying strategy.

If we were buying in Whitrock Village S/D today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Whitrock Village S/D.

The Quick Decision
Best Buy
Buyers wanting an established, low-turnover subdivision with consistent late-1990s floor plans.
Biggest Risk
Homes are old enough that major systems — roof, HVAC — may be due, so condition varies widely.
Sweet Spot
A well-maintained or updated home near the 2,110-square-foot median.
Avoid If
You need amenities or a large pool of listings to choose from at any given time.
The Deep Dive

A condition-driven resale market

Because the homes were built across just five years, the bones are broadly similar: the median dwelling is around 2,110 square feet and roughly a quarter-century old. That uniformity is useful. It narrows the question a buyer needs to answer down to the things that actually vary — roof age, mechanical systems, and how much updating the interior has seen. Assume homes at this age are approaching or past major-system replacement cycles, and price your offer accordingly.

No community amenities show up in current MLS listings, so this is a straightforward single-family neighborhood without an HOA amenity package to underwrite. That keeps carrying costs simpler, but it also means value here is the house and the location rather than shared facilities. Judge each listing on its own maintenance history, not on the subdivision's name.

“

The location and the amenities are priced into every listing in Whitrock Village S/D. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
Why Momentum

Why work with Momentum here

In a 46-home subdivision, comparables are scarce and the right read on condition is everything. We track what actually closes inside Whitrock Village, help buyers weigh roof and system age against the ask, and help sellers position an updated home against the dated stock it competes with. That local, house-by-house detail is where we earn our place in a market this small.

The 15-Second Verdict

Whitrock Village S/D in 15 seconds.

Best forBuyers wanting an established, low-turnover subdivision with consistent late-1990s floor plans.
Biggest advantageA high homestead share signals a settled, owner-occupied pocket rather than a churn market.
Biggest riskHomes are old enough that major systems — roof, HVAC — may be due, so condition varies widely.
Sweet spotA well-maintained or updated home near the 2,110-square-foot median.
Avoid ifYou need amenities or a large pool of listings to choose from at any given time.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Whitrock Village S/D homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Whitrock Village S/D.
In short
  • 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.

Run Your Numbers

Tools for a Whitrock Village S/D buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxOkaloosa County millage and the homestead picture.Rent vs buyThe breakeven on owning in Whitrock Village S/D.Save Our HomesProject your homestead tax cap over time.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Whitrock Village S/D sales matched to your home.

Selling in Whitrock Village S/D

Price it to the comps and condition, not an automated estimate.

If you are thinking about selling in Whitrock Village 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 Whitrock Village S/D home worth?

Get a no-obligation home value based on real comparable sales in Whitrock Village 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.

See all homes for sale in Fort Walton Beach →

Real comps, not an automated estimate.

Recently off market in WHITROCK VILLAGE S/D

Homes in WHITROCK VILLAGE 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. 1 on record.

Whitrock Village S/D key facts
LocationFort Walton Beach, Okaloosa County, FL · ZIP 32547, 32548
Homes in the community46 (FL DOR 2025 assessment roll)
Years built1997–2001 (median 1998.0)
Typical living area2,110 sq ft (median)
For sale right now0 active, 1 pending
Owner-occupied (homestead) share78%

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, “Whitrock Village S/D key facts,” movewithmomentum.com/neighborhoods/whitrock-village-s-d, data as of September 20, 2026.

Housing distress & ownership in WHITROCK VILLAGE S/D, Fort Walton Beach

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 2 listings
Distress share trend — 0.0% now (2026-09-04 → 2026-10-07)

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.

Email me new listings in Whitrock Village S/D

One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Whitrock Village S/D

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Whitrock Village S/D will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

Frequently Asked Questions

How many homes are in Whitrock Village S/D?
The Florida DOR 2025 assessment roll shows 46 homes in Whitrock Village S/D (public records).
What share of Whitrock Village S/D is owner-occupied?
78% of Whitrock Village S/D parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Whitrock Village S/D built?
Homes in Whitrock Village S/D were built between 1997 and 2001, with a median year built of 1998.0 (FL DOR 2025 roll).
Who is the best real estate agent for Whitrock Village S/D?
The best agent for Whitrock Village S/D is one who actively works Fort Walton Beach and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Whitrock Village S/D.
How do I find a top Fort Walton Beach real estate agent who knows Whitrock Village S/D?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Whitrock Village S/D and the wider Fort Walton Beach area.
Can Momentum Realty connect me with an agent for Whitrock Village S/D?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Whitrock Village S/D purchase or sale - no call center and no pressure.
Where is Whitrock Village S/D, and what county is it in?
Whitrock Village S/D is in Fort Walton Beach, Okaloosa County, FL, ZIP codes 32547, 32548. The community's center is about 5 miles northwest of the center of Fort Walton Beach (straight-line).
The Verdict

Should you buy in Whitrock Village S/D?

An honest fit check. We will tell you when it is not your community.

Buyers seeking a primary residence in an established, owner-occupied subdivision and willing to wait for the right listingExcellent fit
Buyers with a renovation budget who can add value to a late-1990s home that needs system or cosmetic updatesExcellent fit
Buyers who prefer a single-family home with no HOA amenity fees over a resort-style communityExcellent fit
Buyers who need to choose from many active listings and move quicklyProbably not
Buyers wanting turnkey new construction or resort amenities like a pool or clubhouseProbably not
Investors expecting high turnover and a deep rental inventory in a heavily homesteaded pocketProbably not

Data sources & freshness

Live listingsEmerald Coast MLS, refreshed twice daily (last: October 19, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (4 streets, ZIP 32547/32548))
Under-contract sharesEmerald Coast MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 1997 (40 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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Nearby Communities

Explore more neighborhoods near Whitrock Village S/D with Momentum Realty’s local guides.

Bella Vista Heights0.1 mi away · 107 homes, built 1951–20Garniers Beach0.2 mi away · median $305K, 3 sales/12 moGarniers Beach0.2 mi away · 299 homes, built 1956–18Monahan Manor0.4 mi away · 54 homes, built 1946–24Lisette Estates0.4 mi away · 7 homes, built 1979–82Racetrack Road0.4 mi away · 120 homes, built 1958–20, 1 for saleColonial Heights0.4 mi away · median $365K, 3 sales/12 moValencia Arms0.4 mi away · median $117K, 5 sales/12 mo

Browse all neighborhood guides →

Thinking of selling in WHITROCK VILLAGE S/D? 2 recorded closings (window ending 2026-09-20). See the Okaloosa County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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