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Garden Villas Homes for Sale

Garden Villas is two phases in Okaloosa County records, filed under 03-2S-24-1025 and 03-2S-24-1026, holding 37 unit parcels on Carmel Drive built between 1982 and 1987 and one common-area parcel, all mapped in the minimal flood hazard area.

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    Living in Garden Villas

    The county files Garden Villas as Phase I under 03-2S-24-1025, with 28 parcels, and Phase II under 03-2S-24-1026, with ten. Thirty-seven are coded single-family residence or townhouse. The remaining parcel sits in Phase I with a residential common area code and no address point.

    Each of the 37 unit parcels has its own county address on Carmel Drive, Fort Walton Beach, ZIP 32547, and a county build year between 1982 and 1987. These records do not say who maintains the common-area parcel or what dues apply to it.

    A search on the name alone can pull in other records. The county also files a separate plat called Garden Villa T/H, with a second phase, in township 3 North under different parcel numbers, so match on 03-2S-24-1025 or 1026 rather than on the words.

    Carmel Drive's 37 units and the Phase I common area, 38 parcel outlines together, were checked against the county's FEMA flood layer on October 3, 2026. Each sits in the minimal flood hazard area, with no special flood hazard area touching any of them, nor the shaded zone for the 0.2 percent chance.

    Eighteen sold dwelling records and three active ones came from a Fort Walton Beach search, limited to city listings, that was saved on August 20, 2026. Those numbers date from August, so a new search should come before any comparison.

    HOA & Fees

    What is the HOA fee at Garden Villas?

    As of November 11, 2026, Garden Villas homes for sale that report a fee on the MLS list these HOA fees:

    • Townhomes: $175 a month (1 listing)

    Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

    Based on one active MLS listing that reports an HOA fee.

    Live Inventory

    Homes for Sale in Garden Villas

    Price Reduced

    $195,000

    229 Carmel Drive Unit 1

    Fort Walton Beach, FL 32547

    1 bd 1.5 ba 808 sqft

    Local Answers

    Garden Villas FAQ

    How much is the HOA fee at Garden Villas?

    As of November 11, 2026, Garden Villas homes for sale that report a fee on the MLS list these HOA fees: townhomes, $175 a month (1 listing). Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

    Is every one of the 38 Garden Villas parcels a home?

    Thirty-seven of 38: 27 in Phase I and ten in Phase II. The odd one out is a Phase I parcel coded residential common area, carrying neither an address point nor a build year.

    Is Garden Villas the same record as Garden Villa T/H?

    No. The county files Garden Villa T/H and its second phase as separate plats with 05-3N-23 parcel numbers, in a different township from Garden Villas, which sits under 03-2S-24-1025 and 03-2S-24-1026.

    Does the county's FEMA layer put any Garden Villas parcel in a hazard area?

    The 38 outlines were all run on October 3, 2026, and each tested as minimal flood hazard on the county's FEMA layer, with none touching a special flood hazard area. Revisions to the map are possible, so the unit's own entry is the place to check before relying on this.

    What do the Carmel Drive address points show about Garden Villas?

    Carmel Drive supplies 37 address points, one per unit parcel, and all read Fort Walton Beach, ZIP 32547. They locate the units. They do not say whether the road is public or private or who maintains shared ground.

    When were the Garden Villas listing counts saved?

    That Fort Walton Beach search, restricted to city listings, was saved on August 20, 2026 and showed three active and 18 sold dwelling records. Those counts are old and may not match current availability.

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