Fort Walton Beach Homes Between $900,000 and $1,100,000

Waterfront living at its best on Cinco Bayou! This beautifully maintained 4-bedroom, 2.5-bath home offers a wonderful combination of comfort, convenience, and direct waterfront access in the heart of Fort Walton Beach. The main level features a spacious living room with soaring cathedral ceilings, an adjacent kitchen with plenty of space for everyday living and entertaining, and a private primary suite complete with an ensuite bathroom and walk-in closet. A convenient half bath is also located downstairs. Step outside to the expansive covered back porch that spans the length of the home, creating the perfect place to enjoy peaceful water views, beautiful sunrises, and evening sunsets. Upstairs, you'll find three additional bedrooms, including two generously sized bedrooms, along with a full bathroom. The home has been thoughtfully maintained and features a 2024 roof, newer HVAC system, updated appliances, new insulation, new flooring, a newer lawn pump, fresh interior paint, and more. A detailed list of updates is available in the feature sheet included in the listing documents. For those who love life on the water, this property offers exceptional convenience. Enjoy direct access to Cinco Bayou from your private boathouse and 2 boat lifts, along with ample storage underneath the home for paddle boards, kayaks, and other water toys. An outdoor shower and added paver areas make rinsing off and relaxing after a day on the water easy. (more) Ideally located in Fort Walton Beach, this home is close to local dining, shopping, beaches, and everything this coastal community has to offer. From your own backyard, enjoy boating to Crab Island, Destin, waterfront restaurants, the Santa Rosa Sound, and beyond. Come experience the waterfront lifestyle this Cinco Bayou home has to offer and schedule your private showing today!

600 Russell Blvd, Fort Walton Beach

14 Nw Cape Dr Unit A-J, Fort Walton Beach

$995,000

1012634 MLS

This 10-unit multifamily property offers a strong income stream in one of Fort Walton Beach's most convenient locations. Each unit features a 1-bedroom, 1-bathroom layout, ideal for long-term tenants or short-term conversion. Located just minutes from major employers, shopping centers, and the beautiful Gulf Coast beaches, this property maintains high occupancy and consistent cash flow. The property is professionally managed and offers low overhead, making it perfect for both hands-off investors or owner-operators. With a current monthly projected income of $9385, there is also potential for future rent increases in a growing rental market.

14 Nw Cape Dr Unit A-J, Fort Walton Beach

$973,900

3 Beds ⋅ 4 Baths ⋅ 1009969 MLS

PRIVATE ISLAND RETREAT with 42' L-SHAPED POOL / QUIET SINGLE-FAMILY NEIGHBORHOOD / RV PAD with UTILITIES. This is a rare completely renovated Okaloosa Island home that offers the perfect blend of coastal lifestyle, privacy, and everyday comfort - just steps from the Gulf of America and directly across from the Santa Rosa Sound. Walking access to both the Beach and Sound Situated on a large corner lot in a wonderful single-family neighborhood with no short-term rentals. Enjoy coastal living plus the shade of mature trees- inviting outdoor entertaining spaces and one of the most unique backyard settings on the island. The home welcomes you with abundant natural light, distinctive open -concept layout designed for both entertaining and relaxed island living. Recently updated, this home is better than new! * New flooring * New impact rated windows * New roof * New Trex staircase + rooftop deck * Upgraded kitchen w/ Silestone countertops * New bathrooms * New AC /heat pump units x2 * New tankless water system * New horizontal privacy fencing * New Zoysia lawn * all walls and ceilings level 5 skim coat * Spiral staircase * screened porch * Inviting front porch * Large workshop w AC * Large RV pad w utilities This is more than a home, it's where memories are made...morning beach walks, afternoons by the pool, sunsets from the deck. A place for friends, family and fun! Lets do this....

731 Sailfish Dr, Fort Walton Beach

590 Santa Rosa Blvd Unit UNIT 203, Fort Walton Beach

$935,000

3 Beds ⋅ 3 Baths ⋅ 1009885 MLS

Enjoy sugar-white sand, emerald-green water, and the relaxed Okaloosa Island lifestyle from this beautifully positioned Gulf-front condo at Waters Edge. This 3 bed / 3 bath is a must see - not many units in the resort with this layout.. Located at the west end of the building showcases Gulf views through floor-to-ceiling windows and sliding glass doors. The open living and dining area flows onto a generous 28-foot covered balcony - an ideal setting for enjoying Gulf breezes, morning coffee, and colorful sunsets. The kitchen features granite countertops, stainless-steel appliances, a breakfast bar, pantry, and ample workspace for everyday meals or entertaining. Tile and luxury vinyl plank flooring extend throughout the unit for easy coastal living. Waters Edge offers approximately 5,000 square feet of Gulf-side pools, including a heated pool, along with direct beach access, a fitness center, grilling and picnic areas, a fire pit, covered parking and a pavilion. Schedule your private showing today!

590 Santa Rosa Blvd Unit UNIT 203, Fort Walton Beach

1150 Santa Rosa Blvd Unit UNIT 214, Fort Walton Beach

$1,020,000

3 Beds ⋅ 3 Baths ⋅ 1009064 MLS

Turnkey Gulf-Front Luxury with Proven Rental Income. Experience the best of Emerald Coast living from this exceptional Gulf-front residence at Azure, where panoramic views of the emerald waters and sugar-white sand create an unforgettable backdrop. Combining luxury, comfort, and outstanding investment potential, this beautifully furnished condominium is an ideal primary residence, vacation home, or turnkey income-producing property. Azure 214 is an established, high-performing short-term rental, offering the next owner immediate income potential from day one. Adding even greater value, Azure has recently completed extensive exterior renovations and building improvements, with all special assessments paid in full, providing peace of mind and allowing you to enjoy a beautifully refreshed resort without additional improvement costs. Designed to comfortably accommodate up to 10 guests, the spacious floor plan features a Gulf-front king suite, a second king suite and a guest bedroom with two double-sized beds, three full bathrooms, and a sleeper sofa. Floor-to-ceiling glass fills the living area with natural light while drawing your attention to the expansive Gulf-front balcony--an incredible outdoor living space perfect for morning coffee, afternoon relaxation, breathtaking sunsets, and front-row views of seasonal fireworks over the Okaloosa Island Pier. The open-concept kitchen is beautifully appointed with stone countertops, stainless steel appliances, abundant cabinetry, and everything needed to prepare meals after a day on the beach. The adjoining dining area and breakfast bar create an inviting space for gathering with family and friends. Azure continues to be one of Okaloosa Island's premier beachfront resorts, offering owners and guests an impressive collection of amenities, including: Two Gulf-front swimming pools (one seasonally heated) Gulf-front hot tub Fitness center Community grilling area Private beach walkover Covered garage parking for two vehicles Located on the quieter, low-density beaches of Okaloosa Island, you'll enjoy the perfect balance of relaxation and convenience. Walk to local favorites like Stewby's Seafood, Beach View Grill, AJ's Oyster Shanty, mini golf, and ice cream, while the Okaloosa Island Boardwalk, Gulfarium, fishing pier, pontoon and jet ski rentals, Wild Willy's Adventure Zone, and Destin Harbor are all just minutes away. Whether your goal is to expand your investment portfolio with a proven vacation rental or own an extraordinary Gulf-front escape, Azure 214 delivers an exceptional opportunity. With a strong rental history, premium resort amenities, recent building renovations already completed, and all assessments paid, this is a truly turnkey beachfront property ready to be enjoyed from the moment you take ownership. Buyer to verify all information.

1150 Santa Rosa Blvd Unit UNIT 214, Fort Walton Beach

$1,089,000

3 Beds ⋅ 3 Baths ⋅ 1003941 MLS

Experience the best of coastal living at Cinco Trace, waterfront townhomes designed around life on the protected waters of the bayou. Each residence includes its own deeded boat slip, placing boating, fishing, paddleboarding, and days on the water just steps from your door. Start the morning with coffee overlooking the water, cast a line from the dock in the afternoon, or step aboard your boat for an evening cruise through the bayous and beyond. The calm, protected waters offer an ideal setting for enjoying the boating lifestyle while still providing convenient access to the broader waterways of Northwest Florida. Inside, thoughtfully designed residences pair modern conveniences with timeless style, creating a seamless connection between your home and the waterfront equally suited to entertaining friends or simply enjoying the rhythm of life along the water. At Cinco Trace, waterfront living is not reserved for special occasions - It is part of everyday life, your boat waiting at the dock, the water outside your door, and the coastal lifestyle within easy reach.

286 Kidd St Unit 1, Fort Walton Beach

$1,095,000

4 Beds ⋅ 3 Baths ⋅ 1002598 MLS

Sound Front Serenity meets Gulf Coast Living. This charming, mid-century modern home with 4 bedrooms, 3 full bathrooms, and 2502 sq ft offers 147 feet of water frontage and .39 acres on the Santa Rosa Sound! Enjoy endless water views and sunsets from the comfort of your home. The Sound is located on one side of the barrier island and offers boating, fishing, swimming, canoeing, paddle boarding, and water sports while the Gulf and white sandy beaches are on the other side of the island and only 4 minutes away. The exterior of the home has a metal roof, gutters, a paver parking pad, an extended driveway lined with pavers and plenty of parking for a boat and multiple vehicles. There is no HOA and golf carts are allowed. The home is perfect for entertaining with covered patios overlooking the water to a patio connecting both sides of the home. Enter the foyer and immediately there are views of the Sound! A large living room is located to the right of the foyer through a case opening and a home office is located to the left of the foyer through French Doors. The living room has built in, custom cabinetry and a large picturesque window allowing views of the palm trees and natural light to abound. The front room is perfect for a home office or a fourth bedroom. The kitchen is updated to include a large, 6 ft island that seats 6, pendant island lighting, white shaker, custom cabinetry to the ceiling with crown, stainless appliances to include a French Door refrigerator, built in microwave, dishwasher, and a five burner gas slide in oven and stove. There are also granite counter tops, a tiled back splash and recessed lighting. Classic elements of the home such as the terrazzo flooring blends with the modern finishes to create a custom, luxury retreat. The home has both an open and split floor plan. The update kitchen opens to the dining room and a second living room with all boasting water views of the Sound! The spacious primary bedroom overlooks the Sound and has French doors leading to the covered patio. There is an ensuite bathroom completely updated to include a large double vanity with plenty of storage space, a large, tiled walk in shower with floor to ceiling tile and a frameless glass divider, a soaking tub, tiled floors, new mirrors, sconce lighting, faucets and fixtures. The primary bedroom also offers a large walk in closet with shelving. On the other side of the home there is a guest bedroom overlooking the Sound! An additional guest bedroom with views of the palm trees and a full bathroom. The Bathroom has an extra-long single vanity, tub shower surround and white tiled walls. There is a third bathroom near the kitchen and a laundry room. Exit sliding glass doors from either side of the home and relax on multiple patios! The upper patio is tiled and the lower patio is spacious and allows for a large table for outdoor dining. The back yard has a recreation area for corn hole, basketball, or pickle ball, fire pit, and a sandy area for lounging in the sun. Several covered patios allow for breathtaking views of the Sound while relaxing in the shade. The seawall that spans approximately 147 feet was replaced in 2018 and there is a short dock with stairs to enter the sandy bottom, shallow water. Pride of ownership shows and many features of the home have been updated. For example, the homeowner upgraded to a Rinnai tankless hot water heater (2018), replaced a second hot water heater in 2023, replaced an HVAC in 2025, maintains a termite bond with Sentricon termite protection, completely refurbished the sprinkler system in 2024, replaced the kitchen appliances in 2018 and replaced the corrugated sea wall in 2018. This home is perfect for a primary home, second home, or investment property. This well designed mid century modern home provides exceptional coastal charm on a lot with one of the longest seawalls on the island! Termite bond renewed and transferable Buyer to verify all dimensions and information.

519 Dorado Ave, Fort Walton Beach

1150 Santa Rosa Blvd Unit 305, Fort Walton Beach

$1,100,000

3 Beds ⋅ 3 Baths ⋅ 1002323 MLS

Gulf-front 3-bedroom condo in Azure offering spectacular, unobstructed Gulf views from the private balcony, main living areas and spacious master suite. Wake up to sunrise over the Gulf and enjoy evening breezes and sunsets from multiple vantage points. This condo has been thoughtfully spruced up and brightened throughout, featuring 3 bedrooms and 3 full baths, spacious kitchen & laundry room. Residents enjoy two waterfront pools, including one heated year-round for extended-season swimming, plus convenient onsite amenities and easy deeded beach access. All required SIRS study has been completed and the special assessment has has already been paid by the owner -- one less concern for the buyer. An excellent combination of lifestyle and income potential in a prime Gulf-front setting.

1150 Santa Rosa Blvd Unit 305, Fort Walton Beach

253 Se Miracle Strip Pkwy, Fort Walton Beach

$1,100,000

998891 MLS

One of the last non-developed pieces of land in downtown Fort Walton Beach. 0.48 acre ''OUTPARCEL'' in the Shoppes at Paradise Pointe which contains a Publix Shopping Center. Buyers do their own due diligence on easements, restrictions, and zoning. Contact Carol Nash at SITE management for more info. (689) 348-3614. Looking for cash, but would be willing to seller finance with reasonable terms. Listing agent is related to the seller; both beneficiaries of the selling trust are licensed at Alicia Hollis Sales brokerage (agent & broker).

253 Se Miracle Strip Pkwy, Fort Walton Beach

$950,000

4 Beds ⋅ 4 Baths ⋅ 998388 MLS

Bayou living with room for everyone. On nearly half an acre with 87 feet on Cinco Bayou, this 4,454 sq ft home pairs a seawall, boat lift, and private gunite pool with space rarely found on the water: a separate in-law apartment with its own living, dining, and bedroom, a 40 x 10 detached workshop, two-car garage plus carport, and RV parking. Inside are vaulted ceilings, cedar accent walls, a stone fireplace, and a 29 x 37 great room built for gatherings. The waterfront primary suite has a walk-in closet, garden tub, and separate shower. Natural gas, public sewer, and an irrigation well. Ready for your personal updates and priced accordingly, it is one of the most affordable ways to own on the bayou in Fort Walton Beach. Minutes to Eglin AFB, Hurlburt Field, and the beaches.

144 Monahan Dr, Fort Walton Beach

1150 Santa Rosa Blvd Unit 414, Fort Walton Beach

$1,025,000

3 Beds ⋅ 3 Baths ⋅ 998315 MLS

Fall price adjustment: Azure 414 is now the lowest-priced 3BR/3BA residence of its floor plan in the building, on a higher floor than the next-lowest. Azure has completed its required Structural Integrity Reserve Study (SIRS), the resulting repairs, and a major building renovation, with all special assessments paid and none pending. In today's Florida condo market, buying into a building that is already done matters. Positioned mid-building on the 4th floor, this 1,513 SF Gulf-front residence offers unobstructed Gulf views, a spacious 273 SF balcony, and a primary suite with private balcony access and a garden tub ensuite. Tile floors, crown molding, granite counters, and stainless appliances throughout. Sold fully furnished and turnkey, with refreshed living room furnishings. Proven rental performance: $74,312 in gross rental income in 2026 through early October, on pace for its best year yet, following $70,000 in 2023 and $75,000 in 2024. Cleaning fees are paid by guests, and the association's walls-out master insurance is included in the dues. Owners also enjoy an in-unit owner's closet, a storage cage down the hall, a 2025 A/C, and two parking spaces. Azure amenities include two Gulf-front pools, hot tubs, a fitness center, direct beach access, and full-time on-site management. Walk to the Boardwalk, the Gulfarium, and Okaloosa Island dining and shops. Complete cost to own and rental history available. The Azure unit serious buyers compare everything else against. AZURE #414 -- SIRS AND RENOVATION COMPLETE Azure has completed its Florida-required Structural Integrity Reserve Study (SIRS), along with the resulting repairs and a major building renovation. Built in 2005, Azure is not yet subject to a milestone inspection under Florida law. All related special assessments have been paid, and none are pending. Association dues of $1,525/month include the walls-out master insurance policy. For buyers comparing older Gulf-front buildings with this work still ahead of them, that difference matters. THE RESIDENCE 1,513 SF, 3 bedrooms, 3 full baths, 4th floor, Gulf-front with unobstructed Gulf views. 273 SF balcony plus private balcony access from the primary suite. Garden tub ensuite, tile floors, crown molding, granite counters, stainless appliances. Sold fully furnished and turnkey with refreshed living room furnishings. Private owner's closet in the unit, plus a dedicated storage cage in the owners' storage area down the hall. A/C replaced in 2025. Two parking spaces (unassigned, first come, first served). ACTUAL RENTAL PERFORMANCE (GROSS) 2023: $70,000 | 2024: $75,000 | 2025: $60,000 (transition year from owner self-management to the on-site program) | 2026: $74,312 through early October, with three additional October weeks booked. The current owner's management agreement is 10% of gross, a favorable negotiated rate; a new owner's terms may differ. Cleaning fees are paid by guests. ANNUAL OWNER EXPENSES Property taxes (2025): $10,657 | HOA: $18,300 | Walls-in unit insurance: $1,975 | Power: approx. $1,560. Net operating income at list price: 2.98% (2023), 3.42% (2024), 2.10% (2025), 3.36% (2026 YTD, partial year against full-year expenses). Full cost to own available. AZURE 1,513 SF FLOOR PLAN -- MARKET SNAPSHOT Sold: #610 (6th floor), $1,075,000, Jan. 2026 | #307 (3rd floor), $1,000,000, Jan. 2026 Active: #414 (4th floor), $1,025,000 -- THIS LISTING | #214 (2nd floor), $1,060,000 | #113 (1st floor), $1,095,000 | #305 (3rd floor), $1,100,000 #414 is the lowest-priced active residence in this floor plan and sits above every other active unit. AMENITIES AND LOCATION Two Gulf-front pools, hot tubs, fitness center, direct beach access, and full-time on-site management. Walk to the Boardwalk, the Gulfarium, and Okaloosa Island dining and shops. Information deemed reliable but not guaranteed. Buyers should independently verify all information.

1150 Santa Rosa Blvd Unit 414, Fort Walton Beach

$1,000,000

3 Beds ⋅ 2 Baths ⋅ 995019 MLS

Amazing opportunity to own waterfront property on coveted Cinco Bayou. This large property sits high and dry and has a dock with boat lift with deep water access. Open concept floorplan features tile flooring, vaulted beamed ceiling and a split bedroom layout. Kitchen has stainless steel appliances. Huge utility/laundry room. Two car garage with paver driveway has an attached area for your golf cart or motorcycle. Spectacular grounds with mature landscaping has room to build a MIL suite if needed. Enjoy your morning coffee watching the dolphins, pelicans, eagles, ospreys, otters, etc on decks overlooking the bayou. Experience the waterfront life!

506 Amelia St, Fort Walton Beach

$949,000

974414 MLS

New roof installed in March 2025 and outside repainted. Approximately 2/10 of a mile from Fort Walton Beach Medical Center and 90' of road frontage on Mar Walt Dr. Building. With over 2400 sq ft., separate office spaces, dressing rooms and bathrooms.

908 Marwalt Dr, Fort Walton Beach

$1,100,000

4 Beds ⋅ 4 Baths ⋅ 989411 MLS

Three prime vacant lots available for your custom pre-sold home! Located at 243, 245, and 247 Brooks Street, these lots sit right in the heart of Downtown Fort Walton Beach â” just steps from local dining, parks, shopping, and waterfront entertainment. Build your dream home with a trusted local builders (Tracy Acree and Gavin Wolff) and enjoy a lifestyle that's walkable, vibrant, and full of coastal charm. We have plans ranging approximately 3,000 - 3,300 sq ft, or make a plan of your own!

245 Se Brooks St, Fort Walton Beach

Fort Walton Beach Homes Between $900,000 and $1,100,000

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