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Saddle Creek Homes for Sale

Saddle Creek is 52 single family parcels in three blocks, every house built in 1990 or 1991, with Fort Walton Beach mailing addresses on land the county's city-limits map shows as unincorporated.

    Short-term rentals: not allowed, per our brokerage's rental review.

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    Living in Saddle Creek

    Okaloosa County files Saddle Creek as one subdivision record in Township 1 South, Range 24, parcel series 225A. Its 52 parcels sit in Block A (23 lots), Block B (16) and Block C (13), and every one is classed single family.

    Every one of the 52 houses carries a county build year of 1990 or 1991, and the mapped lots measure 0.09 to 0.19 acre each, 6.52 acres together.

    County address records match all 52 parcels, each labeled Fort Walton Beach 32547: Saddle Creek Drive (38), Lariat Court (9) and Lariat Lane (5). The Fort Walton Beach mailing label does not settle jurisdiction: with a test point inside each parcel, the county's city-limits map shows all 52 as unincorporated Okaloosa County, so the label does not decide whose rules apply.

    Run through the county's flood layer, the 52 Saddle Creek outlines come back as Zone X and nothing else, the FEMA category for minimal flood hazard. A house's own elevation and any insurance quote are separate questions the map does not answer.

    When the Saddle Creek search for Fort Walton Beach was saved on September 24, 2026, its tally was 17 sold homes and a lone active listing. With so few records, that is a snapshot of a very small neighborhood, not current inventory.

    Association status, shared amenities, rental limits and any recorded plat boundary for Saddle Creek do not appear in the material behind this page, so check the lot's own documents.

    HOA & Fees

    What is the HOA fee at Saddle Creek?

    No HOA fee for Saddle Creek has been reported on the MLS in our records. Whether a home belongs to an association, and what it charges, is set by that home's recorded covenants, so ask a licensed real estate agent or the association about the home you are considering.

    Live Inventory

    Homes Near Saddle Creek

    Nothing is actively listed inside Saddle Creek today - these nearby Fort Walton Beach homes are the closest matches.

    No active listings match right now - new inventory arrives daily.

    Local Answers

    Saddle Creek FAQ

    How much is the HOA fee at Saddle Creek?

    No HOA fee for Saddle Creek has been reported on the MLS in our records. Whether a home belongs to an association, and what it charges, is set by that home's recorded covenants, so ask a licensed real estate agent or the association about the home you are considering.

    What is Saddle Creek's county record?

    SADDLE CREEK is one county subdivision record, parcel series 225A, in Township 1 South, Range 24. It holds 52 parcels, all single family, in Block A (23), Block B (16) and Block C (13).

    What build years and lot sizes does the county show for Saddle Creek?

    All 52 houses carry a county build year of 1990 or 1991, and the mapped lots measure 0.09 to 0.19 acre. Neither figure speaks to a house's condition or to additions made since.

    Which streets carry Saddle Creek addresses, and does a city govern them?

    Saddle Creek Drive has 38, Lariat Court 9 and Lariat Lane 5, all labeled Fort Walton Beach 32547. Whichever of the 52 parcels you pick on Saddle Creek Drive, Lariat Court or Lariat Lane, the county's city-limits map returns unincorporated Okaloosa County rather than a city.

    What does the county flood layer show for Saddle Creek?

    FEMA's minimal-flood-hazard category, Zone X, is the sole entry in the county layer for Saddle Creek's 52 outlines. That is the map's reading of the ground, and a house's elevation or insurance rate is a separate matter.

    What did the September 2026 Saddle Creek listing search show?

    That September 24, 2026 save returned 17 sold homes and a single active one. With so few homes involved, one more sale or listing would move the ratio, so run a fresh search before relying on it.

    Explore the Area

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    Sources

    Saddle Creek Market Analytics

    Sale prices, trends, days on market, and inventory - refreshed monthly from MLS data.

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    Thinking about Saddle Creek?

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