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.
278 waterfront homes are for sale or pending in Fort Walton Beach, FL today across 125 communities. The median asking price is $587,000, from $99,000 to $2,400,000. Most listings right now: Waterscape (10), Waterscape (9), Azure (8). Updated September 8, 2026 from the MLS.
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 |
| Waterscape | 9 | 0 | $675,000 | $585,000 |
| Azure | 8 | 0 | $874,500 | $589,000 |
| Island Princess | 8 | 0 | $605,000 | $389,000 |
| Destin West Pelican | 8 | 0 | $522,500 | $449,000 |
| El Matador Condo | 8 | 0 | $309,999 | $219,900 |
| Azure | 7 | 0 | $689,000 | $589,000 |
| Island Princess | 7 | 0 | $614,900 | $389,000 |
| Pirates Bay Ph 1 | 6 | 0 | $219,500 | $174,999 |
| Waters Edge | 5 | 0 | $790,000 | $548,900 |
| Islander Beach Resort Condo | 5 | 0 | $549,000 | $325,000 |
| Destin West Pelican | 5 | 0 | $510,000 | $463,000 |
| Destin West Gulfside Villas | 5 | 0 | $284,900 | $268,900 |
| Hermitage Condominium | 5 | 0 | $275,000 | $250,000 |
| Fountainhead Condo | 5 | 0 | $160,000 | $148,999 |
| Emerald Towers West Condo | 4 | 0 | $719,450 | $379,000 |
| Islander Beach Resort Ph 2 | 4 | 0 | $694,500 | $539,000 |
| Emerald Isle | 4 | 0 | $482,000 | $319,900 |
| Palm Court Yacht Club | 4 | 0 | $425,000 | $410,000 |
| Pelican Isle | 4 | 0 | $425,000 | $420,000 |
| Pelican Isle | 4 | 0 | $422,500 | $379,900 |
| Cinco Trace | 3 | 0 | $1,149,000 | $799,900 |
| Cinco Trace | 3 | 0 | $1,149,000 | $799,900 |
| Santa Rosa Island | 3 | 0 | $1,145,000 | $973,900 |
| Soundside Lofts | 3 | 0 | $820,000 | $720,000 |
| Waters Edge | 3 | 0 | $715,000 | $555,000 |
| Destin West Osprey | 3 | 0 | $629,000 | $619,000 |
| Destin West Sandpiper | 3 | 0 | $535,000 | $535,000 |
| Destin West Sandpiper | 3 | 0 | $535,000 | $535,000 |
| Sea Oats Condo | 3 | 0 | $489,900 | $423,000 |
| Emerald Isle | 3 | 0 | $449,000 | $319,900 |
| Palm Court Yacht Club | 3 | 0 | $425,000 | $399,000 |
| Destin West Gulfside Villas | 3 | 0 | $284,900 | $280,000 |
| Pier One Condo | 3 | 0 | $105,000 | $99,000 |
| Santa Rosa Island | 2 | 0 | $1,627,000 | $1,265,000 |
| Bella Vista | 2 | 0 | $1,390,000 | $1,130,000 |
| Island Mist | 2 | 0 | $1,237,000 | $1,225,000 |
| Island Mist | 2 | 0 | $1,230,000 | $1,225,000 |
| Summer Place | 2 | 0 | $1,107,500 | $815,000 |
| Summer Place | 2 | 0 | $1,097,500 | $795,000 |
| Soundside Lofts | 2 | 0 | $842,000 | $799,000 |
| Colony Estates | 2 | 0 | $737,000 | $699,000 |
| Surf Dweller Condo | 2 | 0 | $733,500 | $717,000 |
| Breakers Of Fwb Ph 2 | 2 | 0 | $695,000 | $640,000 |
| Destin West Osprey | 2 | 0 | $624,000 | $619,000 |
| Palms Condo | 2 | 0 | $614,000 | $599,000 |
| Breakers Of Fwb Ph 1 | 2 | 0 | $612,500 | $475,000 |
| Destin West Beach & Bay Resort-Gulfside | 2 | 0 | $537,500 | $500,000 |
| Two Hundred West Condo | 2 | 0 | $477,000 | $475,000 |
| Emerald Isle | 2 | 0 | $471,950 | $364,000 |
| Tiki Beach Condo | 2 | 0 | $465,450 | $465,000 |
| Destin West Beach & Bay Resort | 2 | 0 | $462,500 | $450,000 |
| Island Sands Condo | 2 | 0 | $353,000 | $297,000 |
| Seaspray Condo | 2 | 0 | $307,450 | $299,900 |
| Sea Palm Condo | 2 | 0 | $240,250 | $235,500 |
| Soundside S/D | 1 | 0 | $2,400,000 | $2,400,000 |
| Bayou Vista | 1 | 0 | $1,750,000 | $1,750,000 |
| Mooneys North S/D | 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 |
Also with waterfront homes for sale: Mooneys North S/D (1), Yacht Club Cove (1), Blu Condo (1), Yacht Club Cove (1), Azalea Shores (1), Bayou Woods 4Th Addn (1), Okaloosa Island (1), Okaloosa Island (1), Bella Vista S/D (1), Sunset Strip (1), Sunset Strip (1), Bella Vista (1), BEG 896 Ft S OF NW COR SEC E85.12 FT S223.28 FT to W/E (1), Bella Vista S/D (1), BEG 896 Ft S OF NW COR SEC E85.12 FT S223.28 FT to W/E (1), The Palms, a Condominium (1), Island Echo Condo (1), Waters Edge Condo (1), Meets and Bounds (1), Sea Dunes (1), The Sound Condominium (1), Lighthouse Pointe (1), Sea Dunes (1), Colony Estates (1), Destin West Heron (1), Destin West Heron (1), Waterscape Unit A219 Storage A219 (1), Waterscape Unit A219 Storage A219 (1), Captiva Cove (1), Azure Condo (1), ISLAND ECHO CONDO Unit 6-E (1), Nautilus Condo (1), Gulf Dunes (1), Gulf Dunes (1), Destin West Beach And Bay Resort (1), Waterscape Unit B518 Storage B518 (1), Waterscape Unit A430 (1), Nautilus Condominiums (1), Brooks Landing Townhomes (1), Brooks Landing Townhomes (1), Emerald Isle (1), Forest Park (1), Brooks Landing (1), Seacrest Condominiums (1), Gulfside Condominiums (1), Gulfside Beach Condo (1), Veranda Condo (1), Miramar Place Condo (1), Islander Beach Resort and Condo (1), Aqua Villa (1), French Quarters (1), Laguna Landing (1), Clipper Cove T/H (1), Charleston (1), Charleston (1), Hermitage by the Bay (1), Hermitage by the Bay (1), Waterway Condo (1), Misty Breeze (1), Destin West Gulfside (1), VENUS by The Sea (1), VENUS by The Sea (1), Fountainhead (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
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.