Fort Walton Beach Homes under $400,000

Fort Walton Beach Homes under $400,000

Welcome to Fort Walton Beach, Florida – a picturesque coastal gem nestled in Okaloosa County, where stunning white-sand beaches meet vibrant community life. Known for its warm Gulf waters and breathtaking sunsets, Fort Walton Beach offers a unique blend of relaxation and adventure, making it an ideal place to call home.

This charming city is not just about its natural beauty; it boasts a rich history and a welcoming atmosphere that fosters a strong sense of community. From the bustling local markets to the serene parks, residents enjoy a variety of activities year-round. Whether you’re exploring the lush trails of the nearby Gulf Islands National Seashore or indulging in fresh seafood at one of the many waterfront restaurants, Fort Walton Beach promises a lifestyle that is both enriching and enjoyable.

For those looking to make this coastal paradise their home, there are fantastic opportunities to find beautiful properties priced under $400,000. These homes offer not only affordability but also access to the best of what Fort Walton Beach has to offer. Imagine waking up in a cozy residence just minutes away from the beach, where you can enjoy morning strolls along the shore or afternoons spent soaking up the sun.

With a variety of options ranging from charming single-family homes to modern townhouses, you can find the perfect fit for your lifestyle in Fort Walton Beach. Embrace the opportunity to invest in a community that blends natural beauty with a vibrant local culture. Your dream home awaits in this coastal haven!

Newest Fort Walton Beach Homes under $400,000

938 Claeven Circle Ft, Fort Walton Beach
$325,900
3 Beds ⋅ 2 Baths ⋅ 1013377 MLS
100% MOVE-IN READY grab it quick! 3 Beds 2.5 Baths • 1,600 Sq Ft 2-Car Garage Upgrades & Features: 2016 Metal Roof • 2016 AC • 2016 Hot Water Heater New interior paint throughout New fans and lights New flooring -- no carpet anywhere New doors, knobs, and hinges Updated kitchen with granite countertops New Stainless-steel appliances Fully cleaned and ready for immediate move-in Fresh, modern, and durable -- zero work needed on day one.

938 Claeven Circle Ft, Fort Walton Beach
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
215 Ne Hwy Avenue Ft, Fort Walton Beach
$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
303 N Beal Pkwy, Fort Walton Beach
$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
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. Milestone and SIRS Inspections Complete! 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
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
339 Nw Barbara Dr, Fort Walton Beach
$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
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
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
233 Nw Pleasant St, Fort Walton Beach
$399,000
4 Beds ⋅ 2 Baths ⋅ 1013010 MLS
HOME WARRANTY PROVIDED AT CLOSING! 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
101 Nw Destin Dr, Fort Walton Beach
$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
311 Ne Gardner Dr, Fort Walton Beach
$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
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