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57 Hemlock Dr NW, Fort Walton Beach, FL, 32548

2beds
3baths
2,300sqft
$305,000
$133price/sqft
$2,065/moest. monthly cost
$82,600/yrincome needed

About This Home

Partially Completed Home with Expanded Master Suite

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 1961

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Cooling

  • Cooling features: None

Dining Area

  • Level: First
  • Area: 225
  • Dimensions: 15 x 15

Family Room

  • Level: First
  • Area: 500
  • Dimensions: 25 x 20

Interior Area

  • Total structure area: 2,300
  • Total interior livable area: 2,300 sqft

Living Room

  • Level: First
  • Area: 540
  • Dimensions: 27 x 20

Master Bedroom

  • Level: First
  • Area: 315
  • Dimensions: 15 x 21

Property

Details

  • Parcel number: 142S241680000A0260
  • Zoning: Resid Single Family

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 9,583 sqft
  • Lot size dimensions: 80 x 86

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Hurricane
    HurricaneRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
Coastal Flooding
Heat Wave
Tornado
Tsunami

FEMA Declared Disasters in Okaloosa County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,542$18,504
Home Insurance *$143$1,716
Property Taxes $149$1,788
Electricity $231$2,777
Total$2,065$24,780
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,800/yr
40% on housing$61,950/yr
45% on housing$55,066/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$133This listing

vs Other Active Listings

Avg $/sqft

ZIP 32548$261
Okaloosa County$263

vs Homes Sold Last Month

Median $/sqft

ZIP 32548$220
Okaloosa County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-19Listed for sale$320,000
2025-03-03Sold$155,000

New Construction

AgentSteve Koleno
BrokerageBeycome of Florida LLC

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