Homes for Sale Under $300K in Fort Walton Beach, FL
This page tracks every Fort Walton Beach listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
150 homes listed under $300,000 are for sale or pending in Fort Walton Beach, FL today across 97 communities. The median asking price is $242,950, from $82,500 to $299,999. Listings in Fort Walton Beach without that feature have a median of $475,000. Most listings right now: Pirates Bay Ph 1 (6), Pier One Condo (6), Hermitage Condominium (5). Updated October 2, 2026 from the MLS.
First-time buyers: what Fort Walton Beach costs at the entry level
121 active single-family homes, townhomes and condos at or below $300,000 — median $245,000, about $1,541/mo principal & interest at 6.95% with 5% down. Live from the MLS, refreshed nightly.
Newest homes under $300K in Fort Walton Beach
What the payment looks like
| Purchase price | P&I at 6.95%, 5% down | P&I, 20% down | Cash to close at 5% down (est.) |
|---|---|---|---|
| $150,000 | $943 | $794 | $12,000 |
| $200,000 | $1,258 | $1,059 | $16,000 |
| $250,000 | $1,572 | $1,324 | $20,000 |
| $300,000 | $1,887 | $1,589 | $24,000 |
Estimates only; taxes, insurance, HOA and mortgage insurance are on top. Closing costs assumed at 3%.
Down-payment assistance in Okaloosa County · First-time buyer guide
Fort Walton Beach homes under $300K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most homes under $300K listed are tabled; the rest follow.
| Community | Homes Under $300K | New build | Median list | From |
|---|---|---|---|---|
| Pirates Bay Ph 1 | 6 | 0 | $204,500 | $174,999 |
| Pier One Condo | 6 | 0 | $112,500 | $85,000 |
| Hermitage Condominium | 5 | 0 | $275,000 | $250,000 |
| Spanish Villas Condo | 5 | 0 | $99,900 | $82,500 |
| Fountainhead Condo | 4 | 0 | $150,999 | $140,000 |
| El Matador Condo | 3 | 0 | $290,000 | $219,900 |
| Garden Villas Ph 1 | 3 | 0 | $200,000 | $195,000 |
| Fair Oaks Village Condo | 3 | 0 | $99,900 | $97,000 |
| Island Sands Condo | 2 | 0 | $290,450 | $284,900 |
| Seaspray Condo | 2 | 0 | $289,450 | $279,000 |
| Oakland Addn | 2 | 0 | $284,000 | $279,000 |
| Oakland Heights | 2 | 0 | $279,950 | $260,000 |
| Vesta Heights 1St Addn | 2 | 0 | $279,500 | $275,000 |
| Destin West Gulfside Villas | 2 | 0 | $277,450 | $270,000 |
| Willow Bend Ph 1 | 2 | 0 | $264,450 | $229,000 |
| Santa Markella | 2 | 0 | $257,450 | $245,000 |
| Shangra Woods | 2 | 0 | $252,500 | $245,000 |
| Island Gardens Condo | 2 | 0 | $249,500 | $240,000 |
| VENUS by The Sea | 2 | 0 | $248,500 | $199,000 |
| Forest Oaks Ph 1 | 2 | 0 | $242,400 | $229,900 |
| Forest Oaks Ph 3 | 2 | 0 | $237,750 | $236,000 |
| Sea Palm Condo | 2 | 0 | $237,250 | $235,500 |
| Venus | 2 | 0 | $236,975 | $198,950 |
| Crosswinds Landing | 2 | 0 | $234,000 | $199,000 |
| Island Isla Condo | 2 | 0 | $209,400 | $198,900 |
| Breakers West | 2 | 0 | $179,500 | $175,000 |
| Park Place Condo | 2 | 0 | $162,449 | $125,000 |
| Fairview drive | 1 | 0 | $299,999 | $299,999 |
| Schoolview | 1 | 0 | $299,900 | $299,900 |
| Pine Meadows | 1 | 0 | $299,900 | $299,900 |
| Commodores Landing | 1 | 0 | $299,600 | $299,600 |
| Racetrack Road Resub | 1 | 0 | $299,500 | $299,500 |
| Midpines | 1 | 0 | $299,000 | $299,000 |
| Stable Lanes | 1 | 0 | $299,000 | $299,000 |
| Hidden Trails Ph 1 | 1 | 0 | $299,000 | $299,000 |
| Tooke Place Condo | 1 | 0 | $299,000 | $299,000 |
| Seabreeze Add #4 | 1 | 0 | $298,000 | $298,000 |
| Destin West villas | 1 | 0 | $297,900 | $297,900 |
| Azalea Gardens | 1 | 0 | $296,000 | $296,000 |
| Azalea Gardens | 1 | 0 | $296,000 | $296,000 |
| Vesta Heights 4Th Addn | 1 | 0 | $295,000 | $295,000 |
| Meridian Square T/H | 1 | 0 | $294,900 | $294,900 |
| Forest Breeze | 1 | 0 | $294,000 | $294,000 |
| Blue Ridge Estates S/D | 1 | 0 | $290,000 | $290,000 |
| Savannah Heights T/H | 1 | 0 | $290,000 | $290,000 |
| Misty Breeze | 1 | 0 | $289,000 | $289,000 |
| Santasia Park | 1 | 0 | $284,900 | $284,900 |
| Willow Bend | 1 | 0 | $279,000 | $279,000 |
| Harbor T/H | 1 | 0 | $279,000 | $279,000 |
| Hidden Trail Phase I | 1 | 0 | $279,000 | $279,000 |
| Garnier Beach | 1 | 0 | $275,000 | $275,000 |
| Shangra Woods 1St Addn | 1 | 0 | $270,000 | $270,000 |
| Donlabrook Gardyns | 1 | 0 | $269,900 | $269,900 |
| Bayou Woods | 1 | 0 | $265,000 | $265,000 |
| Houston Manor | 1 | 0 | $265,000 | $265,000 |
| Tropical Isle Condo | 1 | 0 | $265,000 | $265,000 |
| Tropical Isle Condo | 1 | 0 | $265,000 | $265,000 |
| Whispering Oaks | 1 | 0 | $264,900 | $264,900 |
| Destin West Gulfside | 1 | 0 | $264,900 | $264,900 |
| Cinco Bayou | 1 | 0 | $264,900 | $264,900 |
Also with homes under $300K for sale
- Mid Pines (1)
- Racetrack Road (1)
- Kellys Addn To Fort Walton Beach (1)
- Ft Walton S0Uth-Intr (1)
- Ocean City (1)
- Whispering Oaks (1)
- Woodham Manor 2Nd Addn (1)
- Bell Brooks Estates (1)
- Yorktown At Willow Bend (1)
- Mh S Rng 23 & 24 (222000.20) (1)
- Forest Oaks Ph 2 (1)
- Shell Park Condo (1)
- SANDY POINTE at Destin West Condominium (1)
- Plantation Manor (1)
- Bel-Air S/D (1)
- Candlewood Village (1)
- Forest Heights (1)
- Elm Place Condo (1)
- Schneider Drive T/H (1)
- Commodores Landing I Unit 102 (1)
- Island Wind Unit 304 (1)
- Racetrack Road Resub (1)
- Montage Manor (1)
- Parkwood Terrace (1)
- Leesa Jennifer Acres (1)
- Robston T/H (1)
- Parkwood Terrace (1)
- Winterhaven (1)
- Azalea Gardens 1St Addn (1)
- Cloverdale S/D (1)
- Olympia Court (1)
- Fountainhead (1)
- Brownsville Station 2 (1)
- Brownsville Station 3 (1)
- Northbrook (1)
- Peir One (1)
- Garniers Beach 4Th (1)
What under $300,000 buys and what to check
In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.
Questions to ask about any listing in this band
How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.
Common questions
How many homes listed under $300,000 are for sale in Fort Walton Beach?
What do homes under $300K cost in Fort Walton Beach?
Which Fort Walton Beach community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
Keep exploring Fort Walton Beach
- All homes for sale in Fort Walton Beach
- Fort Walton Beach ZIP codes with prices
- Fort Walton Beach waterfront homes
- Fort Walton Beach gated community homes
- Fort Walton Beach 4-bedroom homes
- Fort Walton Beach homes $300K–$500K
- Homes Under $300K in every city
Homes Under $300K in nearby Okaloosa County cities
- Crestview homes under $300K (239 for sale)
- Destin homes under $300K (86 for sale)
- Niceville homes under $300K (45 for sale)
- Mary Esther homes under $300K (32 for sale)
- Laurel Hill homes under $300K (22 for sale)
- Shalimar homes under $300K (18 for sale)
Live data: Emerald Coast AOR, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Fort Walton Beach, FL whose MLS record reports an asking price under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.