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8127 5th St, Laurel Hill, FL, 32567

4beds
3baths
2,664sqft
$275,000
$103price/sqft
$2,090/moest. monthly cost
$83,600/yrincome needed

About This Home

A piece of LAUREL HILL HISTORY is officially on the market, and this one is NEWLY RENOVATED... OFFERS A SMALL PECAN ORCHARD... and is AROUND THE CORNER FROM THE BELOVED SCHOOL! Welcome to the Doc Stephens House, circa 1950! This single-story 4 BR/3 bath victorian offers REFURBISHED ORIGINAL HARDWOOD FLOORING... original moldings, casings and trim.. with an UPDATED GOURMET KITCHEN that is well-suited for your bed and breakfast dreams! The kitchen features ceiling-height cabinetry with soft-close features, premium quartz counters and quartz island, subway tile backsplash and farm sink with gold plated faucet and fixtures. There is a large eat-in kitchen, as well as a FORMAL DINING ROOM PERFECT FOR ENTERTAINING. The laundry room is a showstopper with bricked flooring, added cabinetry and a newly transformed half bath, inspired by 1950's design. There are several aesthetic fireplaces found throughout the home... adding historic charm (decorative only). One of them can be found in the gathering room. The living/gathering room... which is EXTREMELY LARGE... boasts original hardwood floors and a wall of picture windows that flood the space with light. There are 4 bedrooms in Doc Stephens House, and one of them was recently transformed (master suite). The master suite offers a spacious walk-in closet, hardwood flooring and an en suite with custom tiled shower and frameless glass enclosure. The quartz vanity offers 2 sinks, soft-close features (continued) and a linen tower. The 3 remaining bedrooms are all indicative of a historic home... with wood flooring and beautiful moldings. Two of the guest rooms offer a fireplace, and 1 of them will require an armoire (missing closet). The acreage is gorgeous (1.05 AC)... with 3 inviting porches to enjoy views of mature pecan trees and the country vibe. Newly added privacy fencing is a bonus. The metal roof is higher quality, but the age remains a mystery. Buyer to do their due diligence. The HVAC was installed in 2017. The home is priced below market value for a quick sale! Better hurry.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
Laurel Hill SchoolGrades PK-120.3 mi

Construction

Condition

  • Property condition: Construction Complete,Renovated
  • Year built: 1950

Materials

  • Foundation: Foundation Off Grade
  • Roof: Metal
  • Construction materials: Wood Siding,Trim Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Range Hood,Refrigerator,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bathroom

  • Level: First
  • Area: 40
  • Dimensions: 8 x 5

Bathroom

  • Level: First
  • Area: 15
  • Dimensions: 5 x 3

Bedroom

  • Level: First
  • Area: 210
  • Dimensions: 15 x 14

Bedroom

  • Level: First
  • Area: 196
  • Dimensions: 14 x 14

Bedroom

  • Level: First
  • Area: 196
  • Dimensions: 14 x 14

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 192
  • Dimensions: 16 x 12

Features

  • Kitchen Island,Pantry,Split Bedroom,Woodwork Painted
  • Flooring: Hardwood
  • Fireplace features: Fireplace 2+
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,664
  • Total interior livable area: 2,664 sqft

Kitchen

  • Level: First
  • Area: 192
  • Dimensions: 16 x 12

Laundry

  • Level: First
  • Area: 60
  • Dimensions: 10 x 6

Living Room

  • Level: First
  • Area: 495
  • Dimensions: 33 x 15

Master Bathroom

  • Level: First
  • Area: 80
  • Dimensions: 8 x 10

Master Bedroom

  • Level: First
  • Area: 256
  • Dimensions: 16 x 16

Property

Details

  • Parcel number: 055N22251000250060
  • Zoning description: City

Features

  • Stories: 1
  • Patio & porch: Covered,Deck,Porch
  • Exterior features: Private Yard
  • Fencing: Privacy

Lot

  • Lot size: 1 Acres
  • Features: Corner Lot,Level,Survey Available
  • Lot size dimensions: 248 x 281 x 200 x 133

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

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
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 $1,390$16,680
Home Insurance *$144$1,728
Property Taxes $288$3,456
Electricity $268$3,217
Total$2,090$25,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,657/yr
40% on housing$62,700/yr
45% on housing$55,733/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

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 32567$214
Okaloosa County$263

vs Homes Sold Last Month

Median $/sqft

ZIP 32567$154
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
2026-07-09Listed for sale$275,000
2026-02-03Listing removed$289,599
2026-01-29Price change$289,599
2026-01-12Price change$299,500
2026-01-06Listed for sale$309,500
2024-11-21Sold$320,000
2024-10-16Pending sale$325,000
2024-09-13Listing removed$2,200
2024-08-21Listed for sale$325,000
2024-08-04Listed for rent$2,200
2024-08-03Listing removed--
2024-07-22Price change$325,000
2024-06-28Listed for sale$349,900
2024-03-12Listing removed--
2024-02-29Listing removed--
2024-02-26Price change$2,000
2024-01-12Listed for sale$365,000
2024-01-07Pending sale$365,000
2024-01-05Listed for rent$2,200
2023-11-07Listed for sale$365,000
2023-11-01Listing removed--
2023-08-15Price change$395,000
2023-08-01Price change$409,900
2023-07-11Listed for sale$425,000
2022-02-28Sold$150,500
2021-05-10Sold$3,100
2018-07-26Sold$155,000
2005-03-15Sold$100,000
2003-11-21Sold$60,000

For Sale by Agent

AgentThe Tessa Savoy Team
BrokerageColdwell Banker Realty

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