Fort Walton Beach Homes with Cottage Design

Fort Walton Beach Homes with Cottage Design

Welcome to Fort Walton Beach, Florida, a hidden gem nestled along the stunning Emerald Coast in Okaloosa County. Known for its breathtaking white-sand beaches and crystal-clear waters, Fort Walton Beach offers a perfect blend of relaxation and adventure. This charming city boasts a rich history, vibrant culture, and a welcoming community, making it an ideal place to call home.

One of the most enchanting features of Fort Walton Beach is its array of homes with cottage designs. These delightful residences exude a sense of warmth and nostalgia, perfectly complementing the coastal lifestyle. With their quaint exteriors, inviting porches, and lush gardens, cottage-style homes provide a cozy retreat after a day of sun-soaked fun. Imagine sipping your morning coffee on the porch while enjoying the gentle sea breeze, or hosting family gatherings in a charming backyard oasis.

The cottage homes in Fort Walton Beach are not just aesthetically pleasing; they also offer practical living spaces that cater to modern needs. Many of these homes feature open floor plans, updated kitchens, and energy-efficient amenities, ensuring that you enjoy both comfort and convenience. Whether you’re a first-time homebuyer, a retiree seeking tranquility, or a family looking for a vibrant community, these cottages provide a unique opportunity to embrace the coastal lifestyle.

With its stunning natural beauty, rich local culture, and inviting neighborhoods, Fort Walton Beach is more than just a place to live; it’s a place to thrive. Discover your dream cottage home in this idyllic city and experience the magic of coastal living today!

Newest Fort Walton Beach Homes with Cottage Design

$225,000
2 Beds ⋅ 2 Baths ⋅ 1011529 MLS
VA assumable loan available at 3% interest rate! If you're looking for the perfect starter home or one you can downsize into that requires very little maintenance, in the heart of Fort Walton Beach, this is it. A reasonable amount of renovations have been made with some room left to put your own twist on things. This is your chance to have a place of your own without breaking the bank. Restaurants, recreational activities, nightlife, commute to military bases, the beach...all just minutes away. Roof is 5 years young and HVAC is 9 years.

627 Lloyd St, Fort Walton Beach
$589,000
4 Beds ⋅ 2 Baths ⋅ 1011365 MLS
Positioned across the street from the shimmering waters of the Choctawhatchee Bay, this 1950-built residence offers a blend of mid-century warmth and timeless coastal soul. Cherished by the same family since 1977, this home is ready for its next chapter in the heart of the sought-after Elliott Park neighborhood. NO HOA and Short-Term Rentals are allowed. The sellers are motivated to provide this home as an option for the next potential owners. Sellers are also offering up to $10,000 towards the buyer's closing costs. Seller to provide wood fireplace with acceptable offer. Step out to the open front porch to watch the morning light or wander just 200 feet down the street to the Hollywood Water Access Park. Sitting on 0.28-acre lot, the property features a private backyard complete with covered boat storage, keeping your watercraft protected and ready for quick launches onto the water. Inside, a refreshed kitchen serves as a bright, inviting centerpiece, seamlessly pairing historic charm with modern ease. Upstairs you will find a bonus room with potential to be converted to a 5th bedroom. High-ticket system updates deliver peace of mind, including a metal roof (2013), HVAC system (2024), and a new water heater (2026). Coastal properties offering this rich family legacy, prime bay proximity, and dedicated space for your coastal lifestyle are an absolute rarity

4 Ne Bay Dr, Fort Walton Beach
$398,000
4 Beds ⋅ 2 Baths ⋅ 1010174 MLS
Walk into this beautiful 4 Bedroom 2 bath all Brick home. Enjoy a separate Dining room and beautiful Kitchen with granite counter-tops. Kitchen has spacious pantry and breakfast bar. Living room is very roomy with double French doors that open to a very large backyard to enjoy for family entertainment. Master bedroom has a beautiful tray ceiling and roomy walk-in closet. Master bath has separate shower, garden tub with double vanities. This home is convenientlty located to Eglin AFB, Hurlburt Field, and the beautiful white sandy beaches. Make this beautiful home yours today. Measurements are believed to be correct, but Buyer should verify all measurements deemed to be accurate.

923b Nw Central Ave, Fort Walton Beach
$349,000
4 Beds ⋅ 2 Baths ⋅ 1008596 MLS
Tucked into a quiet Fort Walton Beach neighborhood, this 1950s home has been thoughtfully renovated to blend its original coastal charm with the updates today's buyers actually want. Walk in and you'll find a stylish kitchen, new flooring, and fresh finishes throughout -- the kind of turn-key condition that lets you move in or start renting right away. Location is hard to beat: the neighborhood park with bay beach access, picnic areas, a playground, and a small boat launch is just minutes away, and you're minutes from local shops and restaurants. The Gulf Coast's famous white-sand beaches are a short drive away too. This one's especially interesting for investors. The home has a track record as a successful short-term rental to DOD contractors and traveling nurses, which means steady, year-round demand rather than just a seasonal bump. Recent upgrades make it low-maintenance from day one: HVAC (2022/2023), a new metal roof (2024), water heater (2025), plus updated flooring, paint, and finishes, along with newly added attic insulation for better year-round comfort. Whether you're looking for a primary residence with character or an income property with proven rental history, this one's worth a look. Owner is a licensed real estate agent in Tennessee. Buyer is responsible for independently verifying all data, including lot and room dimensions.

226 Ne Bradley Dr, Fort Walton Beach
$579,000
4 Beds ⋅ 3 Baths ⋅ 1007586 MLS
Experience the best of coastal living in this charming 5-bedroom home situated in the quiet, well-established neighborhood of Elliott Point. With just a short drive to the beach or boat launch, this beautiful home blends the best of an Old Florida lifestyle with modern conveniences, and extensive outdoor living. The main floor offers 4 bedrooms, 2 baths, kitchen, pantry, laundry, and two spacious living areas along with a large, screened patio just off the back dining room. While the second floor brings a bonus space, currently used as a bedroom, with a half bath, and an over-sized balcony with peek-a-boo views of Choctawhatchee Bay. The large backyard and garden areas include a brick grill-fireplace, a hot tub and gazebo, an outdoor shower, a peaceful lanai and fountain area, and a side driveway with two outdoor storage sheds. The additional side driveway also offers space for an RV or boat. Wake up early and watch the sun rise over the Bay at the Hollywood Blvd Water Access Park only steps from your front door. In addition, this home is equipped with a whole-house water filtration system, a 50-gallon water tank, and an updated irrigation system with both front and backyard sprinklers. The seller is offering a home warranty and has a transferrable termite bond. This home benefits from having no HOA, yet is close to the beach, restaurants, great schools, and all the abundance of water activities the Emerald Coast is known for. Schedule your private showing today!

2 Ne Bay Dr, Fort Walton Beach
$263,000
2 Beds ⋅ 2 Baths ⋅ 1006045 MLS
Opportunities like this don't come around often! Whether you're looking for a primary residence with income potential, a flexible investment property, or a place with room for all your toys, 19 SW Comet Street offers a truly unique setup. This 2-bedroom, 2-bath home is configured to function as either one residence or two separate 1-bedroom, 1-bath living spaces, creating options for multi-generational living, long-term rentals, or guests. Outside, the possibilities continue. The fenced backyard features a tiki bar, firepit, detached garage with power and water, and convenient access from both the front and rear streets--making it easy to store a boat, trailer, or other equipment. There's even a 50-amp RV hookup complete with water and electric connections. Major improvements include a roof installed in 2016, updated electrical completed in 2019, and added flexibility throughout the property. While the home could benefit from cosmetic updates, its unique layout, functional outdoor space, and versatile use options make it a standout opportunity in Fort Walton Beach.

19 Sw Comet St, Fort Walton Beach
$599,000
4 Beds ⋅ 2 Baths ⋅ 1002164 MLS
INVESTOR ALERT!!!! BUILDERS AND DEVELOPERS ALERT! All of these properties combined consist of 4 dwellings on 1.12 acres in the HEART of FWB. This is a unique opportunity to have a family compound, or a fantastic redevelopment opportunity! Package deal includes 922, 922A, 924 and 924A McFarlan. 3 of the 4 are tenant occupied so collect that cash while you make your plans! Call today for details.

922 Mcfarlan Ave, Fort Walton Beach
$225,000
3 Beds ⋅ 2 Baths ⋅ 999594 MLS
Property in Paradise Investor Alert!! Add these to your portfolio! 2 cute cottages on 1 parcel! Both homes are occupied by tenants. These have been great rentals through the years. 1 Home is a 2bd/1Ba approx. 720 sq ft and 1 home is a 1 Bd/1Ba approx. 460 sq ft. Live in 1 rent the other! Close to everything the Emerald Coast has to offer. All that is missing is you!

1210 Jay St, Fort Walton Beach
$310,000
3 Beds ⋅ 2 Baths ⋅ 999246 MLS
Welcome to this charming corner-lot cottage shaded by beautiful oak trees. This home has been thoughtfully updated with major improvements, including a full rewire, new roof, new HVAC system, and LVP flooring all completed in 2021. Bathrooms were tastefully remodeled in 2023 with ceramic tile flooring. The kitchen features a GE gas range/oven and Whirlpool refrigerator (2022), along with updated countertops and crown molding added in 2024. Additional upgrades include a newer screened porch and gutters. The open floor plan creates a spacious feel, complemented by a bonus space off the living room which can be an office, 2nd living room or other flex space.

116 Sw Cowrie Ave, Fort Walton Beach
$240,000
2 Beds ⋅ 1 Baths ⋅ 995506 MLS
ATTENTION INVESTORS, FIRST-TIME BUYERS & MILITARY FAMILIES! This charming 2-bedroom, 1-bath home with an attached garage is freshly updated, move-in ready, and conveniently located just minutes from Eglin Air Force Base and Hurlburt Field. The previous tenant has moved out, and the home has undergone an extensive refresh. The entire interior has been deep cleaned and completely repainted, including walls, ceilings, doors, and trim, giving the home a fresh, clean feel throughout. Both bedrooms feature brand-new carpet, new blinds have been installed, and all windows are being replaced, with installation expected to be completed by the end of August. Exterior improvements include a fresh coat of paint, repair of all identified wood rot, and a brand-new driveway. A large tree, including the roots and stump, has also been removed. Out back, you'll find a fenced backyard that backs up to a wooded lot, offering added privacy and a peaceful setting. Previously rented for $1,600 per month, this property offers a proven rental history and excellent investment potential, while its fresh updates and convenient location also make it a great option for an owner-occupant. Located within easy reach of Eglin AFB, Hurlburt Field, shopping, dining, and the beautiful Emerald Coast beaches. BONUS: Flood insurance is NOT required! Fresh, clean, updated, and ready for its next chapter--schedule your showing today!

3040 Yorktown Circle Ft, Fort Walton Beach
$1,100,000
4 Beds ⋅ 4 Baths ⋅ 989411 MLS
Three prime vacant lots available for your custom pre-sold home! Located at 243, 245, and 247 Brooks Street, these lots sit right in the heart of Downtown Fort Walton Beach â” just steps from local dining, parks, shopping, and waterfront entertainment. Build your dream home with a trusted local builders (Tracy Acree and Gavin Wolff) and enjoy a lifestyle that's walkable, vibrant, and full of coastal charm. We have plans ranging approximately 3,000 - 3,300 sq ft, or make a plan of your own!

245 Se Brooks St, Fort Walton Beach
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