Waterfront Homes for Sale in Milton, FL
This page tracks every Milton 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.
32 waterfront homes are for sale or pending in Milton, FL today across 15 communities. The median asking price is $592,450, from $198,000 to $1,300,000. Listings in Milton without that feature have a median of $326,900. Most listings right now: Bayside (2), Avalon Beach (2), Hayes Heights (2). Updated September 27, 2026 from the MLS.
Live waterfront homes in Milton: the listings
31 active listings carry the flag today (8% of Milton inventory), median asking $629,000, $274/sq ft, median 67 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Milton
The most expensive waterfront homes in Milton
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 2032 Bay Point Blvd | $1,300,000 | 4,540 | — |
| 4501 Bayside Dr | $1,150,000 | 3,305 | — |
| 305 S Garcon Point Rd | $1,100,000 | 2,998 | — |
| 4504 Bayside Dr | $1,080,000 | 3,414 | — |
| 7608 River Rd | $1,000,000 | 2,132 | — |
| 4528 Bayside Dr | $969,000 | 2,458 | — |
| 1636 Moonraker Dr | $949,000 | 2,308 | — |
| 3932 Plantation Cove Ct | $875,000 | 2,353 | — |
| 7776 Petersen Pt Rd | $825,000 | 1,387 | — |
| 7782 Petersen Pt Rd | $825,000 | 1,387 | — |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| $300K–$500K | 10 | 32% |
| $500K–$750K | 9 | 29% |
| $750K–$1M | 7 | 23% |
| $1M+ | 5 | 16% |
Milton waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Bayside | 2 | 0 | $1,059,500 | $969,000 |
| Avalon Beach | 2 | 0 | $452,500 | $330,000 |
| Hayes Heights | 2 | 0 | $261,500 | $198,000 |
| Trout Bayou | 1 | 0 | $1,300,000 | $1,300,000 |
| Bayside North | 1 | 0 | $1,080,000 | $1,080,000 |
| Moonraker Shores | 1 | 0 | $949,000 | $949,000 |
| Bay Pointe Plantation | 1 | 0 | $875,000 | $875,000 |
| Villa Garcon | 1 | 0 | $775,000 | $775,000 |
| Petersen Point | 1 | 0 | $724,000 | $724,000 |
| Bagdad | 1 | 0 | $629,000 | $629,000 |
| Las Colinas | 1 | 1 | $513,370 | $513,370 |
| Waterview Estates | 1 | 0 | $450,000 | $450,000 |
| Casa Grande | 1 | 0 | $440,000 | $440,000 |
| Yellow River Ranch | 1 | 0 | $364,999 | $364,999 |
| Monterey Shores | 1 | 0 | $220,000 | $220,000 |
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 Milton?
What do waterfront homes cost in Milton?
Which Milton community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Milton
- All homes for sale in Milton
- Milton ZIP codes with prices
- Milton 4-bedroom homes
- Milton homes under $300K
- Milton homes $300K–$500K
- Waterfront Homes in every city
Live data: Pensacola AOR, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Milton, 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.