519 Dorado Avenue, Fort Walton Beach, FL 32548
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 1, 2026, 519 Dorado Avenue in Santa Rosa Island, Fort Walton Beach is listed at $1,145,000. That is 48% above Santa Rosa Island's median closed sale of $771,250 over the last 12 months (10 recorded sales). It has been 146 days on market, longer than the community's typical 19 days to contract. Listing facts: built in 1968, waterfront. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1968 · 58 yrs
- 146 days on market
About this home
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.
All 91 photos
Description provided by Keller Williams Realty FWB and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $6,113/mo 77%
- Taxes $1,177/mo 15%
- Insurance $621/mo 8%
$7,911/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Okaloosa County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Okaloosa County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the SANTA ROSA ISLAND market
How this home is priced against recent nearby sales, and where SANTA ROSA ISLAND has been over 25 years. Momentum Research analysis of Emerald Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 72 (hot).
This home’s history
- 1968BuiltPer public record
- About May 2026Listed (per MLS)MLS reports 146 cumulative days on market as of October 1, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $1,195,000
- Sep 5, 2026Price cut$1,145,000 (-$50,000, -4.2%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
No closed sales of a similar home within about 10 miles in Okaloosa County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for SANTA ROSA ISLAND. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
36/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 9.6 months of supply in the surrounding market and 146 days on market for this home, against a 20-day area median.Days on market:this home 146Area median: 20 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of September 20, 2026.
65% of homes in SANTA ROSA ISLAND are owner-occupied. An estimated 35% are non-owner-occupied, including 12% held in a company or trust and 15% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 112 homes matched. Community-level context.
Recent SANTA ROSA ISLAND sales closed near 92.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Emerald Coast MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 8 active listings in SANTA ROSA ISLAND, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Keller Williams Realty FWB · MLS # 1002598
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Similar homes for sale near SANTA ROSA ISLAND
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in SANTA ROSA ISLAND
- 623 Pelican Drive · $1,950,000 · 3 bd / 2.5 ba · listed September 18, 2026 (courtesy of RE/MAX Coastal Properties)
- 521 Dorado Avenue · $1,150,000 · 3 bd / 3.5 ba · listed September 17, 2026 (courtesy of Coldwell Banker Realty)
Recently off market in SANTA ROSA ISLAND
- 535 Dolphin Avenue · last listed $799,000 · 2026-09-12
Just listed: new homes for sale in the Emerald Coast in the last 48 hours · updated hourly · RSS · The Emerald Coast market today: new listings, price cuts, pendings
More on SANTA ROSA ISLAND
Go deeper on SANTA ROSA ISLAND
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Okaloosa County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 519 Dorado Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1968 (58 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Okaloosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $14,125/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,350 more per year than the current owner’s estimated bill (+108%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed hourly (last: October 1, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Okaloosa County — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 519 Dorado Avenue and when was it built?
Per the listing record, 519 Dorado Avenue was built in 1968 and has 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 519 Dorado Avenue in?
519 Dorado Avenue is in Santa Rosa Island in Fort Walton Beach, Okaloosa County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 519 Dorado Avenue differ from the current owner's?
The estimate on this page (about $14,125 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,350 more per year than the current owner’s estimated bill (+108%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 519 Dorado Avenue in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 519 Dorado Avenue in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Emerald Coast Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.