Fort Walton Beach Homes under $350,000

Welcome to Fort Walton Beach, a hidden gem nestled along the stunning Emerald Coast of Florida. Known for its pristine white-sand beaches and vibrant community, Fort Walton Beach offers a perfect blend of relaxation and adventure. With its warm, sunny climate and a plethora of outdoor activities, this charming city is an ideal place for families, retirees, and everyone in between.

Located in Okaloosa County, Fort Walton Beach boasts a rich history and a strong sense of community. Residents enjoy easy access to a variety of amenities, including excellent schools, shopping centers, and dining options that highlight local flavors. The city's waterfront parks and recreational facilities provide endless opportunities for boating, fishing, and enjoying the breathtaking sunsets over the Gulf of Mexico.

For those looking to call Fort Walton Beach home, you'll be delighted to discover a range of beautiful properties available under $350,000. Whether you're searching for a cozy beach cottage, a modern townhome, or a spacious family residence, the real estate market here offers something for everyone. These homes provide an excellent opportunity to invest in a lifestyle filled with sun-soaked days and coastal charm without breaking the bank.

Imagine waking up to the sound of waves crashing and spending your weekends exploring the vibrant local culture or lounging on the beach. Fort Walton Beach is not just a place to live; it’s a place to thrive. Come and discover your dream home in this coastal paradise!

Newest Fort Walton Beach Homes under $350,000

$295,000

2 Beds ⋅ 1 Baths ⋅ 1013209 MLS

Great little home in a park like setting. 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 18x9 ft screened in porch. Your back yard is full of fruit trees-oranges, peaches, plums, lemons and tangerines. You also have separate living quarters in your 10x16 man cave. This is sold as is. With a little imagination, you can make this into a great Father-n -law suite.

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.

$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.

2 Nw Cinderell Ln Unit A, Fort Walton Beach

$205,000

2 Beds ⋅ 2 Baths ⋅ 1013016 MLS

2 bedroom, 1.5 bath attached townhome in Azalea Gardens. Built 1993, approximately 1,135 sq ft. Convenient Fort Walton Beach location. Sold as-is. Buyer to verify all information.

2 Nw Cinderell Ln Unit A, Fort Walton Beach

Listing courtesy of Opendoor Brokerage LLC.

371 Nw Oakland Circle Ft, Fort Walton Beach

$260,000

3 Beds ⋅ 2 Baths ⋅ 1012841 MLS

BRAND NEW ROOF 2026. REWIRED 2026. This 3-bedroom, 1.5-bath residence in Fort Walton Beach, with an expansive and functional layout, filled with natural light throughout the entire home. With comfortable living spaces and flexible room options, this home is ready to accommodate a variety of needs. The spacious living room offers a comfortable gathering space with LVP flooring, fresh interior paint, and extra storage space. The kitchen features classic wood cabinetry with ample storage and connects seamlessly to the dining area, creating a convenient space for everyday living. All bedrooms also feature LVP flooring, fresh interior paint, generous closet space, and versatile spaces for furnishings and personal touches. This home features a versatile extra room that offers plenty of flexibility for a home office, den, playroom, or additional living/storage space which features laminate flooring. Stepping outdoors to your fenced-in/covered patio/breezeway with expansive space for either luxury outdoor seating or extra storage. The generously-sized backyard includes two storage sheds.

371 Nw Oakland Circle Ft, Fort Walton Beach

Listing courtesy of RE/MAX Gulf Coast Realty.

109 Glory Pl Unit UNIT C, Fort Walton Beach

$265,000

2 Beds ⋅ 3 Baths ⋅ 1012609 MLS

SUPER CUTE, well maintained, move in ready, 2 bedroom, 2 1/2 bathroom, townhome conveniently located! Both bedrooms have their own full bathroom with plenty of closet space. Oversized master bedroom and large living space with fenced in backyard and a garage and gutters! Carpet upstairs and beautiful LVP downstairs, roof and flooring 3 years ago, hot water heater about 5 years ago, fence 6 months ago, includes irrigation in back yard.

109 Glory Pl Unit UNIT C, Fort Walton Beach

Listing courtesy of Worth Clark Realty.

210 Pelham Rd Unit C211, Fort Walton Beach

$115,000

1 Beds ⋅ 1 Baths ⋅ 1012703 MLS

Waterfront unit directly on Cinco Bayou. Great view from the balcony and bedroom overlooking the bayou and a natural preserve area. Boat slips are available, at no cost, on a first come first serve basis. There is a dry storage area available as space allows. The complex offers a dock, boat slips, fishing, fish cleaning station, pool, tennis/basketball court and on-site laundry facility. Large living/dining room opens to kitchen. Kitchen offers breakfast bar, built-in microwave, pantry cabinet and tile backsplash. Large bedroom on the water with access to the balcony. The bathroom features a tile walk-in shower and separate vanity area. Tile flooring throughout the unit. The HVAC was installed in 2021 and the hot water heater was installed in August 2026. This unit is move-in ready.

210 Pelham Rd Unit C211, Fort Walton Beach

Listing courtesy of ERA American Real Estate.

$255,000

3 Beds ⋅ 4 Baths ⋅ 1012098 MLS

BIG VISION? BRING IT. TOOL BELT? PACK IT. This 2,013 SF Fort Walton Beach home brings the SPACE: 3 bedrooms, 4 full bathrooms, TWO living areas, a flex room/office, inside laundry, and double carport. Let's be clear--she needs updates, TLC, and a NEW ROOF. But the footprint and possibilities are here. New gas water heater (2025), gas heat, and AC currently running cold. Sold AS IS. Bring your contractor, your imagination, and your measuring tape. The pretty part comes later. The opportunity is already here.

26 Eglin St, Fort Walton Beach

Listing courtesy of Lucky Palms Realty.

210 Pelham Rd Unit 214 A, Fort Walton Beach

$129,000

2 Beds ⋅ 2 Baths ⋅ 1012673 MLS

REO Property. Waterfront corner unit condo offering water views from the kitchen, balcony, AND master bedroom! This spacious 2 bedroom, 2 bath unit is located in a sought-after waterfront community featuring a sparkling pool, tennis courts, and convenient on-site laundry facilities. Enjoy waterfront activities just steps from your front door -- no need to drive to the beach when resort-style living is right outside! Ideally situated near shopping, schools, and offering an easy commute for work. Just a short drive to Hurlburt Field and Eglin AFB, making this a prime location for military families. Local beaches are also just minutes away for those sunny weekend getaways. Corner unit placement provides added privacy.

210 Pelham Rd Unit 214 A, Fort Walton Beach

Listing courtesy of ERA American Real Estate.

101 Oregon Dr Unit NE, Fort Walton Beach

$320,000

3 Beds ⋅ 2 Baths ⋅ 1012415 MLS

Three bedroom, two bath, MOVE IN READY! New Roof in July 2026! The floors are tile in main areas and wood in living room , carpet in main bedroom. The rooms are large with a lot of windows for light and there is a storm door at the front. The dining is open to the living room and kitchen with laundry hook ups at the back door to left of kitchen. Make an appointment to see it today! All information deemed to be correct , buyer to verify.

101 Oregon Dr Unit NE, Fort Walton Beach

Listing courtesy of Keller Williams Realty Navarre.

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