Fort Walton Beach Homes under $400,000

Welcome to Fort Walton Beach, a hidden gem nestled along Florida's stunning Emerald Coast in Okaloosa County. Known for its breathtaking white sandy beaches and crystal-clear waters, Fort Walton Beach offers a perfect blend of coastal charm and vibrant community life. Whether you’re a first-time homebuyer, looking to downsize, or seeking a vacation retreat, this city has something for everyone.

One of the most appealing aspects of Fort Walton Beach is its diverse real estate market, particularly homes priced under $400,000. Here, you can find a variety of options that cater to different lifestyles. From cozy beach cottages to modern townhomes, the properties in this price range are not only affordable but also located in some of the most desirable neighborhoods. Imagine waking up to the sound of waves crashing and enjoying the stunning sunsets right from your porch!

Fort Walton Beach is also rich in amenities. Residents enjoy access to top-rated schools, lush parks, and a vibrant local dining scene that showcases the best of Southern cuisine and fresh seafood. Outdoor enthusiasts will love the array of recreational activities available, including fishing, boating, and hiking in nearby nature reserves.

With a friendly community atmosphere and a laid-back lifestyle, Fort Walton Beach is the ideal place to call home. Explore the charming neighborhoods and discover your dream home today—your coastal paradise awaits!

Newest Fort Walton Beach Homes under $400,000

$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.

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.

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.

$399,000

4 Beds ⋅ 2 Baths ⋅ 1013010 MLS

Life on Pleasant St? We think you're going to find it pretty pleasant. 😉 Trendy updates, newer systems, charming character, and a corner-lot location beside a cul-de-sac--this 4-bedroom, 2-bath home has a lot to smile about! From the moment you step inside, you'll notice the warm, inviting design featuring neutral tones, wood accents, crisp white details, and fun tile touches that give this home plenty of personality. The open floor plan makes everyday living and entertaining a breeze, while the flexible 4th bedroom can easily double as a spacious bonus room, home office, playroom, or guest space. The kitchen is where modern style meets original charm, featuring stainless steel appliances, beautiful white quartz countertops, and an exposed brick base on the peninsula--a perfect little nod to the character of the home. And the big-ticket updates? Already checked off the list: 2020 roof, 2024 HVAC, 2026 water heater, and updated white vinyl windows. Plus, most furnishings convey, making moving in feel almost as easy as falling in love with the place. Situated on a corner lot next to a cul-de-sac and just a short stroll to the neighborhood park, this home offers a peaceful setting without sacrificing convenience. Walmart and Sam's Club are only 5 minutes away, Downtown Fort Walton Beach and the beach are approximately 10 minutes away, and Hurlburt Field and Eglin Air Force Base are about 15 minutes away. So, is life on Pleasant St actually pleasant? Come see for yourself.

233 Nw Pleasant St, Fort Walton Beach

Listing courtesy of Gulfside Haven LLC.

$374,000

4 Beds ⋅ 2 Baths ⋅ 1012904 MLS

''As is'' home with good bones. There have only been two owners in this home. As you enter the home, you can go up the stairs for the bedrooms and den area or go down the stairs for the open living room and kitchen. The formal dining room has door leading out to backyard with enclosed blinds in patio doors. One full bath downstairs and one full bath upstairs. Home has a patio, one car garage and utility room off the garage. The washer and dryer convey. Home is conveniently located next to the middle school. The neighborhood is upscale with sidewalk in front of the home. New double pane hurricane windows in 2021, roof installed in 2021 and hot water heater 2010. Priced for buyer to move-in. Interior has been painted throughout. Original hardwood floors upstairs have been sanded and brought back to the luster. All bedrooms are really large. The exterior has been pressure washed. The garage and porch have been upgraded with the epoxy flooring.

101 Nw Destin Dr, Fort Walton Beach

Listing courtesy of Coastal Realty Services.

$389,900

3 Beds ⋅ 2 Baths ⋅ 1012846 MLS

Extensively renovated Ft. Walton Beach home with major improvements completed in 2023! This move-in-ready property features a fully remodeled kitchen with solid wood cabinets, quartz countertops, stainless steel appliances, subway tile backsplash, stainless steel sink, fixtures, and disposal. The bathroom off the living room and hall was remodeled in 2023: tub, tile surround, vanity, sink, toilet, and fixtures. More major interior upgrades in 2023 include complete electrical rewire, HVAC system with ductwork, water heater with expansion tank, LVP flooring throughout, paint, lighting and ceiling fans. Exterior improvements in 2023 include roof, vinyl siding, exterior paint, trim, shutters, doors, concrete rear patio and garage door. Also outdoors, a covered pergola was added for outdoor enjoyment. Plus, a finished shed with electricity and window unit AC for extra space for an office or hobbies. Conveniently located near shopping, Choctawhatchee Bay, and downtown Ft. Walton Beach, just 0.6 miles to Ferry Park, approximately 8.3 miles to Hurlburt Field, and 7 miles to Eglin Air Force Base. This property is a beauty that is a must see!

311 Ne Gardner Dr, Fort Walton Beach

Listing courtesy of Realty ONE Group Emerald Coast.

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.

381 Nw Marie Circle Ft, Fort Walton Beach

$400,000

3 Beds ⋅ 2 Baths ⋅ 1012819 MLS

If you love space and entertaining, this is the house for you! Located in central Fort Walton Beach, this home is just minutes from Hurlburt Field, Eglin Air Force Base, shopping, dining, and the beaches. A new roof in 2025 adds peace of mind, and the corner lot gives you a little extra breathing room. The living room feels open and welcoming with its vaulted ceiling and wood flooring. In the kitchen, you'll find warm wood cabinets, plenty of counter space, and a breakfast bar for casual meals. The separate dining room has built-ins and connects to a sunny Florida room with windows overlooking the backyard. There's also a game room with space for hobbies, hanging out, or having friends over. The primary bedroom offers built-in storage and an adjoining bathroom with a double vanity and walk-in shower. Out back, a fenced yard, gazebo, patio, and storage shed give you plenty of room to relax, entertain, and enjoy the Florida weather.

381 Nw Marie Circle Ft, Fort Walton Beach

Listing courtesy of Scenic Sotheby's International Realty.

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