New Construction Homes in Okaloosa County, FL
241 new-construction homes are listed for sale in Okaloosa County right now, across 64 communities and 3 builders. Most list between $280K to $700K; the median new build is $369,900. Everything on this page is from Momentum’s MLS record as of 2026-11-05 and refreshes as homes list and sell.
Newest new-construction listings in Okaloosa County
The most recently listed new homes in Okaloosa County, with photos. Each card opens the full listing with every photo, the community’s data, and a tour request.
New-home communities in Okaloosa County
Every Okaloosa County community with new construction actively listed, the builder where the listing identifies one, how many homes are available, and the lowest current list price. Community names link to that community’s guide with its sales history and live inventory.
| Community | Builder | New homes | From |
|---|---|---|---|
| Morris Addn To Crestview | Adams Homes, D.R. Horton, Lennar | 65 | $184,900 |
| Patriot Ridge | D.R. Horton | 15 | $349,900 |
| Deer Moss Creek | — | 14 | $581,000 |
| Independence | D.R. Horton | 13 | $314,900 |
| Forest Shore Villas Townhomes | D.R. Horton | 13 | $264,900 |
| Houston Place | — | 10 | $338,470 |
| Brookwood | Adams Homes | 9 | $353,391 |
| Garden Villa Townhomes | D.R. Horton | 9 | $234,900 |
| Yellow River Plantation | Lennar | 7 | $293,990 |
| Southern Charm | — | 5 | $279,500 |
| Gator's Landing | D.R. Horton | 5 | $299,900 |
| Longview Estates | — | 4 | $273,000 |
| Ridgeway Landing | Adams Homes | 4 | $280,707 |
| Regatta Bay | — | 4 | $2.19M |
| Barton'S Bend | — | 4 | $281,900 |
| Holley Grove | — | 3 | $184,900 |
| Port Dixie | — | 3 | $489,900 |
| The Pines | — | 2 | $319,000 |
| Donlabrook Gardyns | — | 2 | $549,999 |
| Magnolia Woods | — | 2 | $849,900 |
| Patriot Ridge S/D | — | 2 | $392,000 |
| Addie's Place in Bluewater Bay | — | 2 | $759,000 |
| Sylvania Heights | — | 2 | $525,000 |
| Mossy Oak S/D | — | 2 | $339,900 |
| Mossy Oaks | — | 1 | $424,900 |
Builders building in Okaloosa County right now
Counted by homes currently listed in Momentum’s MLS record, so this reflects who has inventory today rather than who has ever built here.
- D.R. Horton — 71 new homes in Forest Shore Villas Townhomes, Garden Villa Townhomes, Gator's Landing, Heritage Plantation and more
- Adams Homes — 18 new homes in Brookwood, Morris Addn To Crestview, Ridgeway Landing
- Lennar — 11 new homes in Morris Addn To Crestview, Yellow River Plantation
New construction in Okaloosa County by city
- Crestview — 121 new homes
- Fort Walton Beach — 32 new homes
- Niceville — 29 new homes
- Mary Esther — 16 new homes
- Destin — 12 new homes
- Laurel Hill — 12 new homes
- Baker — 9 new homes
- Shalimar — 7 new homes
- Valparaiso — 3 new homes
New construction in Okaloosa County by price
- Under $300K: 42 homes
- $300K – $400K: 107 homes
- $400K – $500K: 27 homes
- $500K – $750K: 37 homes
- $750K – $1M: 14 homes
- $1M and up: 14 homes
What a new build in Okaloosa County costs to own
Take the median $369,900 new home with 20% down at today’s 7.24% 30-year rate: principal and interest run about $2,017/month. Okaloosa County’s typical millage of 12.89 puts property tax near $4,125/year after the $50,000 homestead exemption — and on a new build there is no seller’s capped bill to be misled by; the first-year bill is on the land alone and the full bill arrives the year after. Citizens’ average premium in Okaloosa County is about $2,644/year; a new roof and current code usually earn a better private quote than that average. Where an HOA is listed the median is $55/month. All in, plan on roughly $2,636/month, plus any CDD assessment — most master-planned communities finance their infrastructure with a district bond that appears on the tax bill for years, and it is the number builders’ sales offices mention last.
How to buy new construction the smart way
The agent in the model home works for the builder. Bringing your own Momentum agent costs you nothing — the builder pays the commission either way — and gets you representation on the contract (builder contracts are one-sided by design), the upgrade pricing, the lender comparison (the builder’s preferred lender incentive is real but not always the best deal), an independent inspection at pre-drywall and at completion, and the walkthrough. Register your agent on your first visit; most builders will not honor representation after that.
Builders rarely cut list price on a to-be-built home, but completed inventory homes at the end of a quarter are a different negotiation: closing-cost credits, rate buydowns, and included upgrades are common, and the cards above show which homes have been sitting.
Explore Okaloosa County
- Okaloosa County real estate: homes, market data and communities
- Okaloosa County property tax guide
- Moving to Okaloosa County: the data guide
- All new-construction builders in Florida
- Search every Okaloosa County community
Common questions
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Who is building new homes in Okaloosa County?
What does a new construction home cost in Okaloosa County?
What is the monthly cost of a $369,900 new build in Okaloosa County?
Should I use my own agent to buy new construction?
Do builders negotiate on price?
<a href="https://movewithmomentum.com/new-construction-homes-okaloosa-county">New Homes in Okaloosa County, FL: 241 New Construction Homes from $280K — Momentum Realty</a>Counts, prices and photos are from Momentum Realty’s MLS record of active listings in Okaloosa County communities as of 2026-11-05; a home is counted as new construction when the listing shows it as built this year or later or when a production builder is the listing office. Builder names come from listing data. Estimates are not guarantees. Equal Housing Opportunity.