Fort Walton Beach Homes under $1 million

Welcome to Fort Walton Beach, Florida, a hidden gem nestled in the heart of Okaloosa County. Known for its stunning white-sand beaches and crystal-clear emerald waters, this vibrant coastal city offers a perfect blend of relaxation and adventure. Whether you're drawn to the area's rich history, outdoor activities, or the warm, welcoming community, Fort Walton Beach has something for everyone.

One of the most appealing aspects of Fort Walton Beach is its diverse real estate market, particularly for those seeking homes under $1 million. With a variety of options ranging from charming beach cottages to modern family homes, you can find the ideal property that suits your lifestyle and budget. These residences often feature spacious layouts, beautiful outdoor spaces, and proximity to the beach, making them perfect for both full-time living and vacation getaways.

In addition to its alluring homes, Fort Walton Beach boasts a plethora of amenities. Enjoy delicious dining experiences at local seafood restaurants, explore unique boutiques, or take part in exciting water sports like paddleboarding and fishing. The area is also home to beautiful parks and nature trails, perfect for outdoor enthusiasts and families alike.

With a strong sense of community and a laid-back atmosphere, Fort Walton Beach is not just a place to live; it’s a lifestyle. Discover your dream home in this picturesque city and experience the charm of coastal living in Florida. Your new adventure awaits!

Newest Fort Walton Beach Homes under $1 million

862 Scallop Court, Unit 105, Fort Walton Beach

$292,900

1 Beds ⋅ 2 Baths ⋅ 1013249 MLS

Discover what makes Okaloosa Island such a sought-after place to own. This inviting ground-floor condo is nestled within a quaint 27-unit beachfront community. Just steps from the beach off your private patio, this location puts the Gulf, community pool, and outdoor amenities within easy reach. The ground-floor setting adds convenience, while the beautiful Gulf setting creates the perfect backdrop for rental income, a second home, or a full-time residence. Community features include a refreshing pool, grilling area, picnic space, assigned parking, and well-kept grounds. When you're ready to venture out, restaurants, shopping, entertainment, and island attractions are all nearby. Whether you're looking for a property to add to your portfolio or a place to enjoy your own time by the Gulf, this Okaloosa Island condo offers plenty of possibilities.

862 Scallop Court, Unit 105, Fort Walton Beach

Listing courtesy of Coldwell Banker Realty.

$194,000

3 Beds ⋅ 1 Baths ⋅ 1013235 MLS

Bring your renovation plans to this 3-bedroom, 1-bath home in Fort Walton Beach, offering approximately 1,360 square feet. The home features living and dining areas, a kitchen with white cabinetry, an attached garage and an established yard with mature trees. Interior updates and repairs are needed, including visible ceiling damage in the living area. Roof age is reported at approximately 11 years and HVAC at approximately 6 years. An opportunity to personalize the finishes within the existing home.

215 Ne Hwy Avenue Ft, Fort Walton Beach

Listing courtesy of Joseph Walter Realty LLC.

$295,000

2 Beds ⋅ 1 Baths ⋅ 1013209 MLS

Great little home in a park like setting. November 2022 NEW ROOF, August 2026 NEW PLUMBING, October 2026 NEW AC/HEAT. This home has an open concept. When you enter from the front door you are in the family room. To your right is your fireplace and large screen TV, to your left is a is your two bedrooms and your bathroom. In front of you is your dining and kitchen. If you go to the door in the family room to your right, that leads you into your garage. 18 ft x 11 garage. Room for your vehicle, freezer and your washer and dryer. Inside in the kitchen you have an open view into the family room. The door in the kitchen leads out to the 18.10x11.10 ft screened in porch. Your back yard is full of fruit trees-grapefruit, peaches, plums, and lemons. You also have separate living quarters in your 15x15 man cave. Has a toilet and sink. This is sold as is. With a little imagination, you can make this into a great Father-n -law suite. Well and sprinkler system to help keep your gardens growing with little work.

303 N Beal Pkwy, Fort Walton Beach

Listing courtesy of Century 21 AllPoints Realty.

770 Sundial Court, Unit 104, Fort Walton Beach

$348,950

1 Beds ⋅ 2 Baths ⋅ 1013173 MLS

BEACHFRONT living on beautiful Okaloosa Island! This well-cared-for, updated, and FULLY FURNISHED, TURN-KEY 1-bedroom condo with bunks offers the perfect combination of comfort, convenience, and income-producing potential--just steps from the sugar-white sand and emerald waters of the Gulf. Currently operating as a popular vacation rental that stays consistently booked throughout the year, this unit offers projected annual rental income of approximately $45,000-55,000, making it an excellent opportunity for buyers looking for both a beach retreat and investment property. Located on the first floor with no stairs or elevators needed, the condo comfortably sleeps six with a king-size bed, built-in bunk setup, and sleeper sofa with an upgraded mattress. Inside, you'll find new luxury vinyl plank flooring, an updated kitchen and bathrooms with modern finishes, a fully stocked kitchen, and an additional sink in the bunk area--an especially convenient feature when hosting family and guests. Two storage units provide additional space for beach gear and owner belongings. Emerald Isle Resort has undergone more than $4.5 MILLION in recent renovations, with associated special assessments already paid by the owners. Recent improvements include extensive building renovations, a resurfaced parking lot, refreshed pool furnishings, and an updated grilling and picnic area. Resort-style amenities include private beach access, a Gulf-front pool heated during the cooler months, tennis and pickleball court, grilling and picnic areas, beach service available for owners and guests, and a community clubhouse/party room available for owners to reserve for gatherings and special occasions. The property also offers six conveniently located laundry rooms with multiple washers and dryers, one reserved parking space, and ample overflow parking. Located on sought-after Okaloosa Island, you'll enjoy a quieter, more relaxed coastal setting while remaining just minutes from Destin. The Okaloosa Island Pier, restaurants, ice cream, entertainment, and local attractions are just a short walk or drive away. Whether you're searching for a turn-key vacation rental, personal beach getaway, or a little of both, this condo offers the opportunity to own an income-producing slice of paradise just steps from the Gulf!

770 Sundial Court, Unit 104, Fort Walton Beach

Listing courtesy of Counts Real Estate Group Inc.

$300,000

3 Beds ⋅ 2 Baths ⋅ 1013143 MLS

Welcome to 119 Jamestown Avenue, a move in ready Fort Walton Beach gem in a location that is hard to beat! This charming 3 bedroom, 2 bathroom home offers 1,348 square feet of comfortable living space and is a fantastic opportunity for a first time homebuyer, military buyer, or anyone looking for an affordable home close to everything. Location is a major highlight here! Enjoy being tucked into an established neighborhood just minutes from the water while still having everyday conveniences right around the corner. Walmart, shopping, local favorites, and plenty of delicious restaurants are approximately five minutes away, with the beaches, military bases, and everything Fort Walton Beach has to offer within easy reach. Inside, the home is truly move in ready with a functional layout and plenty of updates already completed for you. Major improvements include a 2023 water heater, updated plumbing fixtures, a replaced main water line with PEX piping, water pressure regulator, and an updated electrical panel from 2019. You'll also find updated toilets, a modern kitchen faucet, and a newer bedroom ceiling fan. Outside, mature live oak trees add that classic Florida charm, while the irrigation system with lawn pump makes maintaining the yard a breeze. The two car garage is an added bonus with built in workbenches and shelving, perfect for projects, hobbies, or extra storage. Affordable, move in ready, close to the water, and minutes from everything you need... 119 Jamestown Avenue just might be the hidden gem you've been waiting for!

119 Jamestown Ave, Fort Walton Beach

Listing courtesy of Coldwell Banker Realty.

704 Ferguson Dr Unit 6, Fort Walton Beach

$337,000

4 Beds ⋅ 3 Baths ⋅ 1013137 MLS

New Construction! Builder is offering to pay for 2-1 buy down rate reducing interest rate by 2% in year 1 & 1% in year 2 + $5,000 towards buyers closing costs with full price offer for qualified buyer using builder's preferred lender. This equates to $13,000 in anyway money! 2-10 Builder Warranty & Termite Bond. INTERIOR UNIT. This is only 1 of the units available with 4 interior finishes to choose from. Luxury Vinyl Plank throughout. Upstairs enjoys 4 bedrooms, 2 full guest bathrooms, 1 of which is an on-suite bath for primary, & laundry room. Quartz counters in all baths with modern finishes. Downstairs foyer leads to ½ bath, kitchen w/ breakfast peninsula & Stainless Appliances to include side by side refrigerator, Self-Cleaning Convection Stove, built-in microwave/range hood & dishwasher. Kitchen has quartz counters & on trend tiled backsplash. Kitchen opens to the living & dining room. Elevated lighting & mirrors finish off the home. Back door leads to privately fenced backyard with a gate which opens to a water retention area brilliantly used as an unofficial dog park for owners. Apoxy Sealed Garage Flooring for a final touch.

704 Ferguson Dr Unit 6, Fort Walton Beach

Listing courtesy of ERA American Real Estate.

1515 Se Miracle Strip Pkwy Unit 205, Fort Walton Beach

$444,777

1 Beds ⋅ 2 Baths ⋅ 1013117 MLS

Enjoy Gulf views from this second-floor condo at Destin West Beach & Bay Resort. Unit 205 is located in the Gulfside building with direct beach access. The private balcony overlooks the main pool toward the Gulf. The building's structural integrity reserve study is complete, with no current or approved special assessments as of the listing date. The condo features one bedroom, a separate bunk area and two full baths, with accommodations for up to six guests. Sleeping arrangements include a king bed in the primary bedroom, built-in bunks and a sleeper sofa. The primary bedroom features a tray ceiling. One bathroom has a tub and shower, while the second offers a walk-in shower. The unit is being sold furnished, including kitchenware, with limited exclusions. A new sofa, loveseat and patio furniture were added in 2026, and the HVAC system was replaced in 2022. Owners and guests enjoy amenities on both sides of the resort. Gulfside features a pool, hot tub and fitness center, while the third-floor skybridge provides access to the Bayside lazy river and pools. Altogether, the resort offers five pools, three hot tubs, a zero-entry lazy river and covered garage parking. Short-term rentals are permitted, and the condo is currently professionally managed.

1515 Se Miracle Strip Pkwy Unit 205, Fort Walton Beach

Listing courtesy of Realty Pro Group LLC.

780 Sundial Ct Unit 5005, Fort Walton Beach

$799,000

3 Beds ⋅ 3 Baths ⋅ 1013083 MLS

Thinking of buying or investing in a condo along the pristine Emerald Coast? Look no further than this beautifully upgraded 3BR / 3BA (w/ GULF FRONT PRIMARY BR!) condo on Okaloosa Island in Fort Walton Beach. Completely move-in and rental ready. Kitchen has granite counters, stainless appliances, pantry, & large breakfast bar with seating. Enjoy gorgeous gulf views from kitchen, dining, & living space. Gulf front master bedroom is spacious and has a sitting area, its own balcony access, and private ensuite bath. This unit has two guest bedrooms, one with two full size beds, and one with two twin xl beds. Upgraded tile throughout - no carpet!! Washer/Dryer in unit. Water Heater 2024. HVAC 2024 w/ transferable warranty! Emerald Towers West recently underwent major renovations -- NO SPECIAL ASSESSMENT HERE! Complex has a brand new roof 2026, new pool fencing and brick pavers, new walkways and balconies will be complete this Nov. Other beautiful amenities include a community pool, BBQ grilling area, and private beach access w/ shower station.

780 Sundial Ct Unit 5005, Fort Walton Beach

Listing courtesy of RE/MAX Gulf Coast Realty.

$295,000

3 Beds ⋅ 2 Baths ⋅ 1006986 MLS

Single story ranch home off Wright Pkwy. Storage shed under carport for extra storage. Large back yard and tons of parking!

339 Nw Barbara Dr, Fort Walton Beach

Listing courtesy of Coastal Realty Services.

$439,900

5 Beds ⋅ 3 Baths ⋅ 1013075 MLS

Offering 2,746 square feet, 5 bedrooms, 3 bathrooms, and no HOA, this spacious home provides an impressive amount of living, entertaining, and storage space. Tucked away at the end of a quiet dead-end road with no through traffic, the home features a roof approximately five years old and a large, fully privacy-fenced backyard shaded by mature trees. Inside, the home is much larger than it appears from the exterior, with spacious bedrooms, two bonus rooms, and multiple living and gathering areas. The kitchen features a window over the sink overlooking an additional dining space, along with a breakfast bar. Shiplap details add character throughout, while wood-look vinyl flooring extends through the bedrooms and several living areas, with tile throughout much of the remaining space. Two bathrooms have been updated with tiled walk-in showers and tile flooring, and the laundry room includes a utility sink. Storage is a major highlight, with abundant space throughout the home plus two backyard storage sheds. Outside, the large backyard provides plenty of usable space, including room for boat or RV parking. A large patio offers space to relax or entertain, while a greenhouse frame attached to the fence is ready to be completed and put to use. With its generous square footage, flexible bonus spaces, and expansive yard, this property offers plenty of opportunity to make it your own. Located approximately five minutes from local schools, 10 minutes from Eglin Air Force Base, and 15 min utes from Okaloosa Island and VPS Airport, the home is also convenient to all of your everyday necessities. The home is not being sold fully furnished, and furniture will be removed prior to closing.

631 Manchester Rd, Fort Walton Beach

Listing courtesy of Keller Williams Realty Gulf Coast.

590 Santa Rosa Blvd Unit 510, Fort Walton Beach

$745,000

2 Beds ⋅ 2 Baths ⋅ 1013066 MLS

Welcome to Waters Edge 510, a Gulf-front condominium offering the perfect combination of incredible views, a functional floor plan, and resort-style amenities on Okaloosa Island. Whether you're searching for a second home, beach getaway, or vacation rental opportunity, this well-positioned residence puts the Gulf of America front and center. One of the standout features of this condo is the Gulf-front primary suite, allowing you to wake up to beautiful water views and enjoy the coastal setting from the comfort of your own retreat. The spacious living area opens to a large private balcony overlooking the Gulf, creating the perfect place for morning coffee, relaxing after a day at the beach, or taking in unforgettable sunsets. The floor plan also features a dedicated bunk room, providing valuable additional sleeping space without sacrificing the main bedrooms or living areas. This added flexibility makes the condo especially well suited for accommodating family, friends, and vacation rental guests. Waters Edge offers an impressive amenity package designed for enjoying the Florida lifestyle, including two Gulf-front swimming pools, one of which is seasonally heated, a fitness center, covered parking, and a BBQ area. With the beach just steps away, owners and guests can easily transition from the pool to the sugar-white sand and emerald waters of the Gulf. The property also benefits from rental income potential, while the building's completed SIRS and conventional financing eligibility provide additional advantages for prospective buyers. With its Gulf-front primary suite, large balcony, additional bunk room, and desirable beachfront amenities, Waters Edge 510 offers a compelling opportunity to own along one of Northwest Florida's most beautiful stretches of coastline.

590 Santa Rosa Blvd Unit 510, Fort Walton Beach

Listing courtesy of Keller Williams Realty Destin.

11 Tanglewood Circle Ft, Fort Walton Beach

$375,000

3 Beds ⋅ 2 Baths ⋅ 1011301 MLS

Welcome to 11 Tanglewood Circle, a beautifully updated three-bedroom home in the established Tanglewood subdivision. Freshly painted and featuring a new roof (2026), this move-in-ready home offers tile flooring throughout and a layout designed for comfortable everyday living. The inviting living room showcases a vaulted ceiling and fireplace, creating a bright, welcoming space. The spacious eat-in kitchen includes granite countertops, a pantry, and ample cabinet storage. The primary suite features dual walk-in closets and a private bath with double vanities, garden tub, and skylight for natural light. Conveniently located near Hurlburt Field and Eglin AFB, with easy access to shopping, dining, and schools, this updated Tanglewood home blends modern comfort with a prime location. Schedule your private showing today--homes like this don't last!

11 Tanglewood Circle Ft, Fort Walton Beach

Listing courtesy of 30A Local Real Estate.

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