Waterfront Homes for Sale in Defuniak Springs, FL

This page tracks every Defuniak Springs listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.

39 waterfront homes are for sale or pending in Defuniak Springs, FL today across 25 communities. The median asking price is $439,900, from $179,900 to $2,299,000. Most listings right now: King Lake Estates (3), King Lake Estates (3), Seacoast Estates (2). Updated September 8, 2026 from the MLS.

Defuniak Springs waterfront homes by community

Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.

Community	Waterfront Homes	Median list	From
King Lake Estates	3	$225,000	$214,900
King Lake Estates	3	$225,000	$214,900
Seacoast Estates	2	$588,999	$579,999
Paradise Island	2	$317,949	$285,999
Oakwood Lakes Estates	2	$285,950	$234,900
Spring Lake Estates	1	$664,900	$664,900
Spring Lake Estates	1	$654,900	$654,900
Wildwood Lakes Unit 2	1	$619,000	$619,000
Seacoast Estates	1	$599,999	$599,999
Juniper Lake Unrec	1	$539,900	$539,900
Ten Lake Estates/Lakeshore Gardens	1	$528,900	$528,900
Holley Familyph 1	1	$525,000	$525,000
Ten Lake Estates/Lakeshore Gardens	1	$494,900	$494,900
Ten Lake Estates Unit 2	1	$485,000	$485,000
Lakeshore Gardens	1	$439,900	$439,900
Lake Juniper Estates Unit 3	1	$389,900	$389,900
Ten Lake Estates Unit 1	1	$350,000	$350,000
Oakwood Lakes Estates	1	$337,000	$337,000
Paradise Island	1	$287,000	$287,000
Oakwood Hills Unit 3	1	$280,000	$280,000
Murphy D E Addn Glendale	1	$249,900	$249,900
Murphy D E Addn Glendale	1	$249,000	$249,000
Hinote Commons	1	$225,000	$225,000
Hinote Commons	1	$220,000	$220,000
Oakwood Lakes Unit 7	1	$179,900	$179,900

What waterfront ownership really costs

Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.

Questions to ask about any waterfront listing

Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.

Common questions

How many waterfront homes are for sale in Defuniak Springs?

As of September 8, 2026, 39 Defuniak Springs, FL listings whose MLS record reports waterfront are active or pending, across 25 communities. The count updates with every MLS refresh.

What do waterfront homes cost in Defuniak Springs?

The median asking price today is $439,900, with listings from $179,900 to $2,299,000.

Which Defuniak Springs community has the most waterfront homes for sale?

King Lake Estates has the most right now (3), followed by King Lake Estates (3), Seacoast Estates (2), Paradise Island (2).

Is a waterfront home always in a flood zone?

Not always, but most direct-frontage parcels are in a FEMA special flood hazard area, which means a lender will require flood insurance. The elevation certificate and the exact zone for the parcel decide the premium; two homes on the same canal can differ by thousands a year.

Keep exploring Defuniak Springs

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 Defuniak Springs, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.

Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate.