Ft Walton Beach Homes under $400,000

Welcome to Fort Walton Beach, Florida—a hidden gem nestled along the stunning Emerald Coast. Known for its beautiful white sandy beaches and crystal-clear waters, this vibrant city offers a perfect blend of relaxation and adventure. Whether you’re drawn to the allure of water sports, the charm of local shops, or the delectable dining options, Fort Walton Beach has something for everyone.

Located in Okaloosa County, Fort Walton Beach boasts a rich history and a friendly community atmosphere. The city is not only a haven for beach lovers but also a hub for outdoor enthusiasts, thanks to its proximity to parks, nature trails, and the breathtaking Gulf Islands National Seashore. Families will appreciate the top-rated schools and a variety of recreational activities, making it an ideal place to call home.

If you’re searching for affordable housing options, you’ll be delighted to discover that Fort Walton Beach offers a range of homes under $400,000. From charming single-family residences to cozy townhomes, the real estate market here is diverse and accessible. These properties provide an excellent opportunity for first-time buyers, retirees, or anyone looking to invest in a slice of paradise without breaking the bank.

Imagine waking up to the soothing sound of waves and enjoying sunset strolls along the beach—all while living in a community that feels like home. With its affordable housing and vibrant lifestyle, Fort Walton Beach is more than just a destination; it’s a place where dreams come true. Come explore the possibilities and find your perfect home in this coastal paradise!

Newest Ft Walton Beach Homes under $400,000

618 Gap Creek Dr Unit #27, Ft Walton Beach

$160,000

2 Beds ⋅ 2 Baths ⋅ 690078 MLS

Your next chapter on the Emerald Coast starts here! Fresh updates and a convenient Fort Walton Beach location make this recently renovated townhome a must-see. This inviting Townhome features new flooring, cabinets, appliances, plumbing fixtures, and fresh paint for a refreshed look throughout. The Roof was replaced in 2020 and a newer HVAC system adds to its appeal. Conveniently located near shopping, dining, area military bases, and the Emerald Coast’s sugar-white beaches and emerald waters, this Townhome offers a welcoming place to settle in and enjoy coastal living. Schedule your showing today and see what makes this townhome stand out!

618 Gap Creek Dr Unit #27, Ft Walton Beach

$259,900

4 Beds ⋅ 2 Baths ⋅ 689992 MLS

** The Ultimate Florida Getaway Home or Starter Home in Fort Walton Beach ** Three Beds - Two Full Baths - Two Car Garage ** Priced to Sell Quickly ** Right across the street from Jet Drive Park, you will be walking distance to multiple tennis and pickleball courts, just a couple minutes drive from downtown, less than 10 minutes to the beach or drop your boat at one of the many launches and be at Crab Island or Destin in less than 15 min! The location and price cannot be beat. Professional pictures will be up by end of the week. Go see this one before anyone else has the chance. Call or text listing agent for a showing anytime of the day!

223 Holmes Blvd, Ft Walton Beach

$320,000

6 Beds ⋅ 2 Baths ⋅ 689295 MLS

MOVE IN READY ! NEW ROOF ** NEW PAINT** Three bedroom , 2 full bath New roof in July 2026, New Paint June 2026. The floors are wood in living room and down the hall , with tile in the rest of the home with exception of carpet in main bedroom. The rooms are large with a lot of windows to let in that morning sunshine and there is a storm door at the front door. The dining is open to the living room and the kitchen with the laundry at the back door to the left of the kitchen. This home is close to shopping , beaches , parks and hospitals! Call for an appointment today and make it yours!

101 NE Oregon Dr, Ft Walton Beach

$389,000

6 Beds ⋅ 3 Baths ⋅ 688266 MLS

This newly renovated 6-bedroom/3 bath home presents an exceptional opportunity for modern living in a prime, centrally located setting. Boasting an array of recent updates, the exterior features a fresh stucco finish that enhances curb appeal while ensuring durability. The interior has been thoughtfully refreshed with new paint, creating a bright and inviting atmosphere throughout. Enhanced energy efficiency is achieved through the installation of double-pane windows, which provide improved insulation and contribute to a serene living environment. The home's layout has been impeccably designed to include brand-new bathrooms, each equipped with contemporary sinks, faucets, and toilets, ensuring both style and functionality, and a bonus room 9x6 at the back of the house. In the heart of the home, the kitchen stands out with new cabinetry, quartz countertops, and state-of-the-art appliances, along with a new roof, A/C, and water heater.

742 Mayflower Ave, Ft Walton Beach

$358,000

3 Beds ⋅ 3 Baths ⋅ 688251 MLS

Welcome home to this beautifully maintained 3-bedroom, 2.5-bath townhome , built in 2021 and offering the perfect combination of modern style, comfort, and convenience. Located within a gated community, this move-in-ready home features an inviting open-concept floor plan designed for both everyday living and entertaining.The kitchen offers granite countertops, ample cabinet space, and a seamless flow into the spacious living and dining areas. Luxury vinyl plank (LVP) flooring adds durability and a clean, contemporary look throughout the main living spaces. The home has also been recently painted, creating a fresh and welcoming feel.Upstairs, the spacious primary suite features a private bathroom with a beautifully tiled shower, while two additional bedrooms provide plenty of space for family, guests, or a home office. A washer and dryer are included for added convenience, along with the living room entertainment center and TV.Ideally located in Fort Walton Beach, this home puts you close to shopping, dining, entertainment, and the beautiful beaches of the Emerald Coast. Whether you're searching for a primary residence, second home, or investment opportunity, this stylish townhome offers low-maintenance coastal living in a convenient location.

1808 Stable Ln, Ft Walton Beach

300 SW Miracle Strip Pkwy Unit #3B, Ft Walton Beach

$235,500

2 Beds ⋅ 1 Baths ⋅ 686606 MLS ⋅ Sea Palm Condo BLDG.

Resort-Style Living with Courtyard & Water Views! Whether you're looking for a relaxing vacation retreat, a proven income-producing investment, or both, this first-floor condo checks all the boxes. Already participating in the Airbnb rental program, this property has a strong rental history and has generated excellent rental income, making it an outstanding investment opportunity. Sold fully furnished, it's truly turnkey and ready for immediate enjoyment or continued vacation rentals. Sip your morning coffee or unwind after a day of fun on the private patio overlooking the peaceful courtyard and water. Inside, you'll find granite countertops, soft-close drawers, a pantry with pullout shelves, a spacious walk-in shower, illuminated mirror, Bluetooth-enabled exhaust fan with integrated lighting, a new dishwasher, new kitchen sink, new in-unit washer and dryer, Nest thermostat, and video doorbell. Located in a community designed for relaxation and recreation, this condo offers the perfect blend of comfort, convenience, and carefree coastal living. Whether you're expanding your investment portfolio or searching for your own vacation getaway, this is an opportunity you won't want to miss. Schedule your showing today!

300 SW Miracle Strip Pkwy Unit #3B, Ft Walton Beach

1100 Crosswinds Lndg Unit #7, Ft Walton Beach

$249,900

3 Beds ⋅ 2 Baths ⋅ 682070 MLS

Welcome to low maintenance living in this charming two story brick corner unit townhome offering 3 bedrooms, 2 bathrooms, and 1,350 square feet of inviting space. With attractive curb appeal and thoughtfully landscaped grounds, this home pairs comfort and convenience in a desirable setting, with the Homeowners Association maintaining the common area and exterior of the building. HOA maintenance includes cleaning and painting of exterior building surfaces, repair and replacement of roofs, siding, masonry, fences and walks, and the irrigation, cutting, pruning and fertilizing of trees, shrubs and grass. Two assigned parking spots are included as well. Inside, soaring ceilings and abundant natural light make the main living area feel bright and spacious, while the fireplace creates a warm focal point for the open living and dining layout. The kitchen overlooks the main living space and features stainless steel appliances, a breakfast bar, recessed lighting, a double sink, and functional flow for everyday living and entertaining. The downstairs bathroom has been stylishly updated with a glass enclosed standing shower and classic subway tile for a fresh, modern touch. Upstairs, the primary suite offers a private retreat complete with a full bath and walk-in closet, while two additional bedrooms provide flexibility for guests, a home office, or growing needs. Major system updates add peace of mind, including a roof that is 3 years old and an HVAC system and hot water heater that are both 6 years old. With its corner unit privacy, open concept design, and move-in ready appeal, this townhome is an exceptional opportunity for easy living, with exterior upkeep and parking already taken care of.

1100 Crosswinds Lndg Unit #7, Ft Walton Beach

909 Santa Rosa Blvd Unit #513, Ft Walton Beach

$359,000

2 Beds ⋅ 2 Baths ⋅ 681448 MLS ⋅ El Matador Condo BLDG.

Experience the best of the Emerald Coast from El Matador #513, a beautifully updated first-floor studio located on the peaceful west end of Okaloosa Island. Tucked away in one of the area’s most established beachfront resorts, this unit offers the perfect combination of personal getaway and income-producing investment. Inside, the bright and open layout comfortably accommodates up to four guests and features newer LVP flooring in the Kitchen Living and Dining areas and ceramic tile in the bedrooms and bathrooms. The updated kitchen is well-appointed with stainless steel appliances, granite countertops, newer cabinetry, pantry storage, and a stylish tile backsplash. The inviting living area flows seamlessly to sliding glass doors that open onto a spacious private patio—ideal for outdoor dining and relaxing after a day at the beach. Offered fully furnished and turnkey, this well-maintained unit is currently used as a short-term rental and is booked for a large portion of the year already. With strong vacation demand on Okaloosa Island, it presents an excellent opportunity for buyers seeking a low-maintenance coastal investment. El Matador is an 11-acre gated beachfront community bordering the pristine Gulf Islands National Seashore, providing a rare natural backdrop and preserved coastline. Residents and guests enjoy private beach access, two swimming pools (one heated), tennis, pickleball and basketball courts, fitness center, sauna, hot tub, grilling and picnic areas, and 24-hour gated security with onsite management. Conveniently located just minutes from dining, marinas, and entertainment in Fort Walton Beach and Destin—and within driving distance of major southeastern cities—this is coastal living at its finest. Its Also Conveniently located just 15–20 minutes from Destin–Fort Walton Beach Airport (VPS) and Approx 45 Minutes to Pensacola International Airport.

909 Santa Rosa Blvd Unit #513, Ft Walton Beach

909 Santa Rosa Blvd Unit #114, Ft Walton Beach

$289,000

1 Beds ⋅ 1 Baths ⋅ 679382 MLS ⋅ El Matador Condo BLDG.

Welcome to the gated beachside community of El Matador, known for offering some of the most privacy and tranquility of any complex on the island. This charming 1-bedroom, 1-bathroom condo is the perfect retreat for snowbirds, a relaxing vacation home, or a strong rental investment opportunity. Inside, you’ll find a comfortable and inviting space designed for easy coastal living. Step out onto your private balcony overlooking the peaceful courtyard—an ideal spot to enjoy morning coffee, read a book, or unwind after a day at the beach. Residents and guests enjoy a wide range of resort-style amenities designed for both relaxation and recreation. The community features two swimming pools, tennis courts, a basketball court, whirlpools, a sauna, and a state-of-the-art fitness center, creating a true resort-like experience right at home. Beyond the gates, the location offers convenient access to some of the area’s most popular attractions and outdoor adventures. Spend your days enjoying parasailing, wave runners, deep-sea fishing, or visiting the nearby marine life park. You’ll also be just minutes from the area’s finest restaurants, shopping centers, movie theaters, grocery stores, and several renowned professional golf courses. Whether you’re looking for a peaceful coastal getaway or a property with excellent rental potential, this inviting condo offers the perfect blend of comfort, privacy, and location.

909 Santa Rosa Blvd Unit #114, Ft Walton Beach

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