Waterfront Homes for Sale in Fort Walton Beach, FL
This page tracks every Fort Walton Beach 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.
197 waterfront homes are for sale or pending in Fort Walton Beach, FL today across 94 communities. The median asking price is $580,000, from $85,000 to $2,750,000. Listings in Fort Walton Beach without that feature have a median of $350,000. Most listings right now: Waterscape (10), El Matador Condo (8), Waters Edge (6). Updated October 17, 2026 from the MLS.
Live waterfront homes in Fort Walton Beach: the listings
162 active listings carry the flag today (38% of Fort Walton Beach inventory), median asking $560,250, median 111 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Fort Walton Beach
The most expensive waterfront homes in Fort Walton Beach
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 259 NW Sleepy Oaks Lane | $2,750,000 | — | — |
| 217 NE Yacht Club Drive | $2,200,000 | — | — |
| 623 Pelican Drive | $1,950,000 | — | Santa Rosa Island |
| 423 Caviar Drive | $1,949,000 | — | Santa Rosa Island |
| 228 Lafitte Crescent | $1,750,000 | — | Bayou Vista |
| 858 Scallop Court #Unit 507 | $1,699,000 | — | Blu |
| 149 Eldredge Road | $1,690,000 | — | Mooneys North S/D |
| 858 Scallop Court #Unit 301 | $1,675,000 | — | Blu |
| 858 Scallop Court #Unit 101 | $1,579,000 | — | Blu |
| 153 NW Beal Parkway | $1,550,000 | — | Bayou S/D |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 27 | 17% |
| $300K–$500K | 39 | 24% |
| $500K–$750K | 45 | 28% |
| $750K–$1M | 23 | 14% |
| $1M+ | 28 | 17% |
Fort Walton Beach waterfront homes 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 waterfront homes listed are tabled; the rest follow.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Waterscape | 10 | 0 | $675,000 | $584,800 |
| El Matador Condo | 8 | 0 | $349,950 | $285,000 |
| Waters Edge | 6 | 0 | $767,500 | $539,000 |
| Destin West Pelican | 6 | 0 | $522,500 | $463,000 |
| Pelican Isle | 6 | 0 | $432,450 | $420,000 |
| Pirates Bay Ph 1 | 6 | 0 | $219,500 | $174,999 |
| Santa Rosa Island | 5 | 0 | $1,150,000 | $973,900 |
| Azure | 5 | 0 | $1,020,000 | $629,000 |
| Islander Beach Resort Condo | 5 | 0 | $548,000 | $322,500 |
| Hermitage Condominium | 5 | 0 | $275,000 | $250,000 |
| Emerald Towers West Condo | 4 | 0 | $707,000 | $369,000 |
| Island Princess | 4 | 0 | $656,950 | $595,000 |
| Emerald Isle | 4 | 0 | $482,000 | $319,900 |
| Pier One Condo | 4 | 0 | $122,000 | $85,000 |
| Soundside Lofts | 3 | 0 | $799,000 | $799,000 |
| Waters Edge | 3 | 0 | $715,000 | $555,000 |
| Destin West Osprey | 3 | 0 | $629,000 | $619,000 |
| Islander Beach Resort Ph 2 | 3 | 0 | $550,000 | $539,000 |
| Destin West Sandpiper | 3 | 0 | $535,000 | $535,000 |
| Sea Oats Condo | 3 | 0 | $489,900 | $408,000 |
| Emerald Isle | 3 | 0 | $449,000 | $319,900 |
| Island Sands Condo | 3 | 0 | $296,000 | $292,900 |
| Destin West Gulfside Villas | 3 | 0 | $284,900 | $270,000 |
| Bella Vista | 2 | 0 | $1,305,000 | $1,130,000 |
| Island Mist | 2 | 0 | $1,230,000 | $1,225,000 |
| Summer Place | 2 | 0 | $1,099,500 | $799,000 |
| Summer Place | 2 | 0 | $1,097,500 | $795,000 |
| Breakers Of Fwb Ph 1 | 2 | 0 | $950,000 | $750,000 |
| Destin West Heron | 2 | 0 | $699,949 | $649,900 |
| Breakers Of Fwb Ph 2 | 2 | 0 | $695,000 | $640,000 |
| Nautilus Condo | 2 | 0 | $590,000 | $555,000 |
| Palms Condo | 2 | 0 | $574,000 | $549,000 |
| Destin West Beach & Bay Resort-Gulfside | 2 | 0 | $517,500 | $500,000 |
| Emerald Isle | 2 | 0 | $471,950 | $364,000 |
| Destin West Beach & Bay Resort | 2 | 0 | $462,500 | $450,000 |
| Emerald Isle | 2 | 0 | $439,425 | $348,950 |
| Two Hundred West Condo | 2 | 0 | $439,000 | $399,000 |
| Palm Court Yacht Club | 2 | 0 | $398,500 | $398,000 |
| Waterway Condo | 2 | 0 | $350,000 | $300,000 |
| Seaspray Condo | 2 | 0 | $307,450 | $299,900 |
| Sea Palm Condo | 2 | 0 | $232,250 | $229,000 |
| Fountainhead Condo | 2 | 0 | $167,500 | $153,000 |
| Sleepy Oaks | 1 | 0 | $2,750,000 | $2,750,000 |
| Soundside S/D | 1 | 0 | $2,540,000 | $2,540,000 |
| Hughes Estates 1St Addn | 1 | 0 | $2,200,000 | $2,200,000 |
| Bayou Vista | 1 | 0 | $1,750,000 | $1,750,000 |
| Bayou Vista | 1 | 0 | $1,730,000 | $1,730,000 |
| Blu Condo Unit 507 | 1 | 0 | $1,699,000 | $1,699,000 |
| Mooneys North S/D | 1 | 0 | $1,690,000 | $1,690,000 |
| Bayou S/D | 1 | 0 | $1,550,000 | $1,550,000 |
| Blu Condo | 1 | 0 | $1,500,000 | $1,500,000 |
| Yacht Club Cove | 1 | 0 | $1,500,000 | $1,500,000 |
| Azalea Shores | 1 | 0 | $1,499,000 | $1,499,000 |
| Bayou Woods 4Th Addn | 1 | 0 | $1,468,000 | $1,468,000 |
| Sunset Strip | 1 | 0 | $1,300,000 | $1,300,000 |
| Bella Vista | 1 | 0 | $1,159,900 | $1,159,900 |
| Sunset Beach | 1 | 0 | $1,100,000 | $1,100,000 |
| Cinco Trace Townhomes | 1 | 0 | $1,089,000 | $1,089,000 |
| BEG 896 Ft S OF NW COR SEC E85.12 FT S223.28 FT to W/E | 1 | 0 | $1,000,000 | $1,000,000 |
| Island Echo Condo | 1 | 0 | $975,000 | $975,000 |
Also with waterfront homes for sale
- Bella Vista S/D (1)
- Sea Dunes Condo (1)
- Waters Edge Condo (1)
- Meets and Bounds (1)
- Surf Dweller Condo (1)
- Sea Dunes (1)
- The Sound Condominium (1)
- Lighthouse Pointe (1)
- Cinco Trace (1)
- Colony Estates (1)
- Sea Dunes (1)
- Waterscape Unit A219 Storage A219 (1)
- ISLAND ECHO CONDO Unit 6-E (1)
- Palm Harbor Marina (1)
- Gulf Dunes (1)
- Destin West Beach And Bay Resort (1)
- Waterscape Unit A227 Storage A227 (1)
- Azure Condo (1)
- Waterscape Unit A430 (1)
- Brooks Landing (1)
- Seacrest Condominiums (1)
- Tiki Beach Condo (1)
- Destin West Beach & Bay Resort Unit 205 (1)
- Islander Beach Resort and Condo (1)
- Miramar Place Condo (1)
- French Quarters (1)
- Laguna Landing (1)
- Charleston (1)
- Hermitage by the Bay (1)
- Misty Breeze (1)
- Destin West Gulfside (1)
- VENUS by The Sea (1)
- Fountainhead (1)
- Peir One (1)
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 Fort Walton Beach?
What do waterfront homes cost in Fort Walton Beach?
Which Fort Walton Beach community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Fort Walton Beach
- All homes for sale in Fort Walton Beach
- Fort Walton Beach ZIP codes with prices
- Fort Walton Beach gated community homes
- Fort Walton Beach 4-bedroom homes
- Fort Walton Beach homes under $300K
- Fort Walton Beach homes $300K–$500K
- Waterfront Homes in every city
Waterfront Homes in nearby Okaloosa County cities
- Destin waterfront homes (283 for sale)
- Niceville waterfront homes (32 for sale)
- Shalimar waterfront homes (21 for sale)
- Crestview waterfront homes (19 for sale)
- Mary Esther waterfront homes (13 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 waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.