If you picture your mornings starting with calm water views, dolphins cruising by, and a private dock waiting just steps from your back door, this Okaloosa Island residence delivers exactly that. This home blends everyday comfort with the type of boating lifestyle that’s increasingly hard to find on the Emerald Coast—especially at this price point.

This part of the Florida Panhandle is known for its turquoise water, relaxed pace, and quick access to both the Gulf of Mexico and the Choctawhatchee Bay. This home happens to offer all three in one package.

Quick Snapshot of the Property

• Price: $1,499,000

• Size: Approx. 1,850 sq ft

• Bedrooms / Bathrooms: 3 beds • 3 full baths

• Waterfront: ~107 feet directly on the sound

• Boat Capacity: Four wet slips total, including one with a lift

• Upgrades: 50-year metal roof | HVAC replaced ~2022 | epoxy garage floor

• Bonuses: No HOA • fenced yard • expansive outdoor decking

Location & Lifestyle: The Sweet Spot of Okaloosa Island

Set directly on the sound, yet just a short walk to the sugar-white Gulf beaches, this home captures the best of both worlds. Soundside living tends to be more dynamic—boats gliding by, wildlife activity, and ever-changing views—while the Gulf offers postcard-worthy waves and endless sunsets just minutes away.

You’re positioned close to:

• Fort Walton Beach

• Destin

• Restaurants and shopping across the Brooks Bridge

• Quick access to both tourist attractions and quiet local pockets

For many buyers, this “dual-water advantage” is what makes Okaloosa Island so special.

“There is something so healing about being on the water.”
Every person who tours this home says some version of that.

Waterfront Features Designed for Serious Boaters

If boating is part of your lifestyle (or you hope it will be), this property checks every box.

Four Wet Slips — A Rare Asset

The ability to keep multiple boats at your personal dock—plus host guests who arrive by water—is something you won’t see often in this price bracket. One slip has a lift, making maintenance and long-term storage significantly easier.

Outdoor Living That Feels Like an Extension of the Home

The deck and dock offer:

• space to entertain

• easy water access

• unobstructed views

• room for coastal dining, lounging, or sunset watching

• a fenced yard, ideal for pets or young kids

This layout supports both peaceful morning routines and lively weekend gatherings.

Interior Layout: Comfortable, Practical, and Ready for Waterfront Life

Inside, the home features a split-level design that maximizes natural light and water views.

Main Level

• Open living area facing the sound

• Dining room with large windows

• Spacious kitchen with a gas range and ample cabinetry

• Enough square footage to add a kitchen island if desired

Upper Level

• Three bedrooms

• Three full bathrooms

• Wood-look tile flooring—durable, low-maintenance, and perfect for a coastal environment

• Primary suite with a cozy reading nook and generous closet space

Lower Level

• Deep single-car garage

• Epoxy flooring

• Laundry area with hookups

• A full bathroom, ideal for rinsing off post-beach or post-boat

Mechanical systems are intentionally placed for longevity and ease of service.

Practical Factors Every Waterfront Buyer Should Know

Waterfront ownership offers unmatched beauty—but it also comes with responsibilities. Here’s what to expect:

Insurance

Coastal homes may require:

• homeowners insurance

• flood insurance

• wind/hail coverage depending on lender requirements

Premiums vary widely, so modeling them into your monthly costs is essential.

Hurricane Preparedness

This home already includes:

• impact-rated windows

• elevated condenser

• 50-year metal roof

Even with strong features, storm preparation is part of life along the Emerald Coast.

Property Taxes

Typically fall around 0.75%–1% of the purchase price.

No HOA

Freedom to:

• customize the property

• pursue short-term rentals

• avoid restrictive rules

But also no additional neighborhood oversight—you’re in charge of your own standards.

Investment Outlook & Rental Potential

Waterfront land is finite, and this segment of Okaloosa Island remains in high demand for both primary residences and vacation rentals. As interest rates shift, affordability changes—but cash buyers and long-term investors continue to anchor the market.

The absence of an HOA plus built-in boating features makes this a compelling short-term rental candidate. Vacationers searching for both beach access and boat access represent a strong, reliable niche.

What Makes This Property Truly Stand Out

• Sound frontage AND walking distance to the Gulf

• Four wet slips + lift — extremely scarce

• Durable, low-maintenance finishes

• Well-maintained systems with long life spans

• Flexible use: personal residence, second home, or STR investment

• Fenced yard, multiple outdoor zones, and views from nearly everywhere

Homes like this don’t hit the market often, and when they do, they tend to attract buyers who’ve been waiting specifically for this combination of boating convenience and coastal proximity.

Final Thoughts

If waking up on the water, spending evenings on a private dock, and blending comfort with true boat-friendly living sounds like your dream scenario, this Okaloosa Island waterfront home deserves a closer look. It strikes the perfect balance between the peaceful rhythm of soundside views and the high-energy fun of Gulf Coast beaches.