Yacht Club Estates
Homes for Sale in Fort Walton Beach, FL
All 414 homes for sale in Fort Walton Beach, FL · median $398,000 · 282 homes for sale in 32548 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Homes listed or recently sold were built 1956–1968; 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 18 closed sales in Yacht Club Estates in Fort Walton Beach, FL since 1993, the most recent in August 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 99 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).
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32548 |
|---|---|
| Homes in the community | 145 (FL DOR 2025 assessment roll) |
| Years built | 1945–2024 (median 1969) |
| Typical living area | 2,478 sq ft (median) |
| Amenities listed by sellers | Boat Launch, Security System |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 74% |
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, “YACHT CLUB ESTATES key facts,” movewithmomentum.com/neighborhoods/yacht-club-estates, data as of September 20, 2026.
Price here is driven by condition and the individual lot, not by a common product type. With homes built anywhere from 1945 to 2024 and a median build year of 1970, this is a rebuild-and-renovate street where a gutted mid-century house and a new-construction replacement can sit side by side. The median living area of about 2,426 square feet tells you these are substantial homes, but the number that matters most is what a specific house has had done to it.
Right now there are zero active listings against 153 homes, so supply is effectively nothing at this snapshot. For a seller that means a well-prepared listing meets little direct competition; for a buyer it means patience and readiness to move when something surfaces. With a homestead share of roughly 73%, most of these homes are owner-occupied and turnover tends to be slow, which reinforces how tightly held the street is.
Nearby homes for sale
No active listings inside YACHT CLUB 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
Yacht Club Estates is a small, established pocket of Fort Walton Beach with 153 homes and no current MLS inventory. The mix spans nearly eight decades of construction, so buying here is about evaluating the individual house rather than a uniform subdivision product.
Emerald Coast MLS sales records identify 13 homes in YACHT CLUB ESTATES that have changed hands since 2007, built between 1956 and 2014 (median 1968), with a median living area of about 1,903 sq ft and a typical 3-bedroom, 2.5-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 9 qualified sales in YACHT CLUB ESTATES across 2024–2025 (5 in 2024, 4 in 2025), median $463,000 — 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.
The setting & the homes.
Aerial and on-site photos of Yacht Club Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Yacht Club Estates
Yacht Club Estates
Yacht Club EstatesPhotos from Emerald Coast MLS listings in Yacht Club Estates; content deemed reliable but not guaranteed.
Who Yacht Club Estates is best for.
Best for
- Buyers seeking a larger primary home who can wait for the right listing to appear
- Renovation-minded buyers comfortable underwriting an older house on its condition
- Long-hold owner-occupants who value a slow-turning, established street
Probably not for
- Buyers needing to close on a short timeline, given zero current inventory
- Anyone wanting HOA amenities or a shared-facility community
- Buyers who want a uniform, single-era new-construction subdivision
The market around Yacht Club Estates
Yacht Club Estates is too small for its own price trend, so here is the market around it.
In ZIP 32548, 322 homes are on the market and 15% are under contract — a slower corner of Fort Walton Beach.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
In ZIP 32548 (Fort Walton Beach), 338 homes closed in the last 12 months at a median of $325K, up 11.9% year over year, with a median 41 days on market. Right now 112 active and 32 pending listings put supply at about 5.0 months — a balanced market. See the live ZIP 32548 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Yacht Club Estates specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in YACHT CLUB ESTATES, Fort Walton Beach
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 Yacht Club Estates
Live MLS inventory for Yacht Club Estates. 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 Yacht Club Estates listings as of 2026-10-01, 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 Yacht Club Estates Right Now (1)
All 1 active and pending Yacht Club Estates listings with a detail page, newest first, refreshed twice a day from the MLS.
- 48 NE Nebraska Avenue · $424,877 · 4 bd / 3 ba · pending · listed Sep 25, 2026 · listed by World Impact Real Estate
Yacht Club 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.
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Elliott Point · Elementary
- Meigs · Middle
- Choctawhatchee · High
Zoned schools reflect the assignments reported on recent Yacht Club Estates 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 Yacht Club Estates address.
The Yacht Club Estates buying strategy.
If we were buying in Yacht Club 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 Yacht Club Estates.
A rebuild street, not a subdivision
The defining fact of this community is its age spread: 1945 to 2024, with the median house dating to 1970. That range signals ongoing teardown and renovation activity over the years, so two homes on the same block can be worlds apart in systems, finishes, and insurability. Underwrite each property on its own — roof, mechanicals, and any updates matter far more than a neighborhood average.
No community amenities were identified from current MLS listings, so value here comes from the homes and the location rather than shared facilities or an HOA package. The larger median footprint of roughly 2,426 square feet gives buyers room to work with, whether the play is a move-in-ready home or a renovation candidate.
The location and the amenities are priced into every listing in Yacht Club Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With no active inventory and a slow-turning, mostly owner-occupied street, timing and preparation decide outcomes here. We track this pocket closely, know how to read a 1945-to-2024 age spread on a per-house basis, and can position a seller to meet a market with little competition — or get a buyer ready to act the moment something lists.
Yacht Club Estates 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 Yacht Club 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 Yacht Club Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Yacht Club 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 Yacht Club Estates home worth?
Get a no-obligation home value based on real comparable sales in Yacht Club 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.
See all homes for sale in Fort Walton Beach →
Recently off market in YACHT CLUB ESTATES
Homes in YACHT CLUB ESTATES 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.
- 102 NE Nebraska Avenue · off market
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.
16% of homes for sale in ZIP 32548 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 (2026-10-02).
Frequently Asked Questions
How many homes are in Yacht Club Estates?
What share of Yacht Club Estates is owner-occupied?
When were the homes in Yacht Club Estates built?
Who is the best real estate agent for Yacht Club Estates?
How do I find a top Fort Walton Beach real estate agent who knows Yacht Club Estates?
Can Momentum Realty connect me with an agent for Yacht Club Estates?
Where is Yacht Club Estates, and what county is it in?
Should you buy in Yacht Club Estates?
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 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32548)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1993 (18 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 YACHT CLUB ESTATES fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Yacht Club Estates with Momentum Realty’s local guides.