Okaloosa Homes with Cottage Design

Okaloosa Homes with Cottage Design

Welcome to Okaloosa County, Florida, a hidden gem nestled in the heart of the Emerald Coast! Known for its stunning beaches, vibrant communities, and rich history, Okaloosa County offers a unique blend of natural beauty and modern living. With its picturesque coastline along the Gulf of Mexico, residents and visitors alike are treated to breathtaking sunsets, crystal-clear waters, and endless opportunities for outdoor adventures. Whether you enjoy fishing, hiking, or simply lounging on the beach, this county has something for everyone.

One of the most charming aspects of Okaloosa County is its collection of homes featuring delightful cottage designs. These homes exude warmth and character, often characterized by their quaint architecture, inviting porches, and lush landscaping. The cottage-style homes are perfect for those who appreciate a cozy, intimate living space that blends seamlessly with the surrounding natural beauty. With open floor plans, charming details, and modern amenities, these homes provide a perfect sanctuary for families and individuals alike.

Imagine waking up in your cottage by the sea, sipping coffee on your porch while listening to the gentle waves lapping at the shore. The close-knit communities in Okaloosa County foster a sense of belonging, making it easy to connect with neighbors and enjoy local events. Whether you’re looking to buy your first home or seeking a vacation retreat, Okaloosa County's cottage homes offer a perfect blend of charm and coastal lifestyle. Come explore the possibilities and discover your dream home in this enchanting Florida paradise!

Newest Okaloosa Homes with Cottage Design

4 Beds ⋅ 5 Baths ⋅ 1011320 MLS

Deepwater Boat Slip! 136 Indian Bayou Dr. is a 4BR, 3.5BA waterfront home in the desirable Indian Bayou neighborhood with prized deepwater access. A standout feature of the property is its substantial dock and boat slip, capable of accommodating a 45-50 ft. boat, with additional dockage for multiple boats and other watercraft. The dock also features a large deck and fish-cleaning station. A designated No Wake Zone begins at the outer edge of the property, an especially desirable feature that reduces passing boat wakes at the dock and along the shoreline while still providing convenient access to Choctawhatchee Bay and the Gulf. The heartbeat of the home is the great room which is a welcoming gathering place and a central access point to the kitchen, two dining areas the screened enclosure - which includes a swimming pool - outdoor covered kitchen with large counter/bar in an relaxing waterfront setting. The kitchen adjoins the breakfast/dining area and features, an island with smooth cooktop, breakfast bar, built-in menu desk, and stainless appliances. A separate formal dining room provides additional entertaining space. The first-floor primary suite accesses the pool deck. Primary suit bath features double-sink vanities, garden tub, separate roll-in shower, 2 linen closets and a separate walk-through closet. Crown moulding is featured in all 4 bedrooms. The three full baths have upgraded showers or shower/tub combinations. The living room and primary suite open to the large, screened pool lanai overlooking the dock and Indian Bayou. The outdoor living area includes an outdoor kitchen and convenient half-bath. Recent improvements include fresh interior and garage paint, new carpet, a new garage door & lift, new decking on a portion of the dock. Additionally, a Generac natural gas generator, exterior window shutters, central vacuum system, circular driveway with 7+ car parking and unfinished but hard floored attic for additional storage. Indian Bayou is an established waterfront and golf course neighborhood, situated along the boat friendly waters of Indian Bayou, with access to Choctawhatchee Bay, the Intracoastal Waterway and the Gulf of America through East Pass. This property is ideal for homeowners who want to enjoy the boating and golfing lifestyle in Destin.

136 Indian Bayou Dr, Destin

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

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

3 Beds ⋅ 3 Baths ⋅ 1011160 MLS

There are beach rentals, then there are beach homes. This idyllic Destin home is a cut above your common rental and begs to be lived in and enjoyed- whether full-time or as an investment property. Owned by a longtime hit country songwriter and guitarist, this elegant two-story coastal cottage is located in the popular Crystal Beach neighborhood of Kokomo Cove, and less than two blocks to private beach access. This home sits on a well-manicured, fenced .17-acre lot, with three spacious bedrooms and baths, along with large living room complete with real fireplace, custom cut hardwood floors, high ceilings, and detailed trim work and molding. Adjacent to the large living area is an open dining area and chef's kitchen, complete with solid custom cabinetry, granite countertops, and Bosch six burner gas stove. Additionally, there is a large bonus room with custom oversized billiards table, perfect for entertaining. In back you will find a spacious deck, grilling area, large hot tub, brand new custom swimming pool (to be completed October 2026), tiki bar, garden shed, outdoor television, and beautiful landscaping. This home just had a new metal roof and full exterior paint, spring of 2026, along with new landscaping, new pavers, and a new double-size driveway. Sold tastefully furnished and turnkey ready to move in and enjoy or rent when you're not using it. Current rentals on the books for remainder of 2026 and a few months into coming year also.

78 Sunfish St, Destin

3 Beds ⋅ 2 Baths ⋅ 1011050 MLS

Welcome to 1131 Bay Ct., a beautifully refreshed 3-bedroom, 2-bath home in the heart of Old Destin, newly painted inside and out and packed with the features buyers want for Florida coastal living. The private backyard is the centerpiece, featuring a heated inground gunite pool and spa, a covered pergola with swing, covered back patio, 7-foot privacy fence, and privacy tree landscaping along the exterior of the fence. It is a true outdoor retreat designed for relaxing, entertaining, and enjoying the Destin lifestyle year-round. The home also offers major recent updates and valuable storm-ready improvements, including a new roof in 2023, new HVAC in 2025, new storm windows in 2023, hurricane shutters, pull-down wind barriers for the porches, and a whole-house generator. Additional features include a Samsung Bespoke refrigerator, washer and dryer, 80-gallon water heater, double oven, sprinkler system, outdoor storage unit, brick paver sidewalk, covered front porch, brick paver carport with parking for three vehicles, and a 2-car attached garage. Located approximately 800 feet from Joe's Bayou and about 1/4 mile from the Joe's Bayou boat launch, this home places you close to boating, fishing, parks, and the best of Destin's waterfront lifestyle. Old Destin is known for its authentic coastal character, easy access to the Destin Harbor, world-famous fishing fleet, Crab Island, emerald-green Gulf waters, and sugar-white sand beaches. From boating and paddleboarding on the bayou to dining on the harbor, fishing offshore, or spending the day at the beach, this location captures everything people love about Destin. With its private pool and spa, updated systems, storm protection, generous parking, fenced backyard, and prime Old Destin setting, 1131 Bay Ct. is a rare opportunity to own a well-equipped coastal home in one of Destin's most established and convenient neighborhoods.

1131 Bay, Destin

3 Beds ⋅ 2 Baths ⋅ 1010976 MLS

Don't miss out on this meticulously maintained home located in the desirable neighborhood of Crystal Beach. Clipper Cove is centrally located to all shops,fine dining and most of all white sand beaches. Neighborhood boosts white picket fences with an amazing wrap around porch. This home is a must see!! Very nice community pool and picnic area. Short stroll to the beach. Two bedrooms downstairs, with a large separate dining room and great room. Master bedroom is upstairs with very own porch. Brand new stainless steel appliances in kitchen. Home comes completely furnished just bring your clothes and live the beach dream..

4454 Clipper Cv, Destin

3 Beds ⋅ 2 Baths ⋅ 1010915 MLS

Welcome to 'The Willow' - one of this local builder's most popular floor plans! This beautiful 3-bedroom, 2-bathroom home is currently being built on a desirable corner lot in one of Crestview's fastest-growing areas. Surrounded by mature trees & featuring approximately 18' mature camellia trees, the property offers a beautiful setting with established shade & curb appeal. Scheduled for completion by October 1st. The Willow offers a thoughtfully designed open-concept floor plan with a spacious living area, granite countertops, a large kitchen island, oversized walk-in pantry, durable LVP flooring, utility/mud room, spacious garage & covered front & back porches. The private primary suite provides a comfortable retreat with a double vanity, generous walk-in closet & plenty of space to unwind. Every detail is designed with both style & everyday living in mind. This home is crafted by one of the area's most respected builders, showcasing generations of pride & quality in every detail, inside & out. Yet, this level of craftsmanship comes at a competitive price, making it an exceptional value in today's market. Seller is offering a $15,000 buyer credit toward allowable closing costs, prepaids, and/or rate buy-down with lender approval. PHOTOS ARE OF A SIMILAR SOLD HOME. COLORS, FINISHES, FIXTURES, AND SELECTIONS WILL VARY.

607 Amos St, Crestview

2 Beds ⋅ 2 Baths ⋅ 1010875 MLS

NEW CONSTRUCTION • AVAILABLE SEPTEMBER 30! Modern, move-in-ready living with an affordable price tag! This thoughtfully designed home features an open floor plan, LVP flooring throughout, and a bright, functional layout perfect for everyday living and entertaining. Located just 15 minutes from the Hwy 85/90 intersection, 5 minutes from the Emerald Coast Zoo, and approximately 15 minutes from Eglin's EOD School. The builder is offering to pay towards closing costs with an acceptable offer, making homeownership even more attainable. As an added bonus, the builder will throw in a 50'' smart TV! VA buyers may be able to move in with as little as their deposit out of pocket, depending on loan terms and qualifications. Don't miss your opportunity to make this brand-new home yours! Builder warranty included. Fiber internet in neighborhood! Photos are of same floor plan. This unit will be ready Sept 30th.

5429 Bayleaf Dr, Crestview

3 Beds ⋅ 2 Baths ⋅ 1010489 MLS

Beautifully updated home on a large lot in the heart of Niceville! This move-in-ready property features LVP flooring throughout, fresh interior paint, and a new privacy fence enclosing the spacious backyard. The updated kitchen offers white cabinetry, a newer stainless steel refrigerator and garbage disposal The renovated bathrooms include stylish vanities, modern fixtures, and a refreshed look that adds comfort and value. A sliding glass door from the dining area leads to an open patio and the generous fully fenced backyard ideal for outdoor gatherings or pets. *Pictures are prior to renters moving in*

910 Linden Ave, Niceville

4 Beds ⋅ 3 Baths ⋅ 1008870 MLS

Located in the heart of Destin you'll find this charming Florida cottage sitting on over a 1/4-acre lot and surrounded by mature trees. This custom home features 4 bedrooms (with 1st floor master) and 3 full baths. A screened front porch gives this home just the right amount of southern charm. And if you work from home, you'll love the private office. The 2nd floor features 2 bedrooms with a Jack & Jill bath, spacious landing area at top of the stairs and closet with hookups for a 2nd laundry room. The position of this uniquely shaped corner lot allows plenty of privacy. And without an active HOA, you are able to utilize the land to suit your needs. 2 workshop/sheds are already onsite for all your storage needs, once which features 10' ceilings and electricity. Let's talk location - this home is conveniently located in the heart of Destin, close to schools, shopping, the harbor and 1/3 mile from Destin's public boat launch. This has been the builder's personal residence, so it is well built and needs nothing but a new owner's personal touch with some cosmetic updates.

599 Third Ave, Destin

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

3 Beds ⋅ 2 Baths ⋅ 1010105 MLS

Welcome to 2592 Kingston Road -- a charming Crestview home offering the perfect blend of character, comfort and opportunity! Situated on almost an acre with a peaceful country feel while remaining conveniently close to everyday shopping, dining and local amenities, this 3-bedroom, 2-bath home offers room to live, relax and make it your own. Inside, you'll find a warm and inviting layout with beautiful wood-look flooring, comfortable living spaces and plenty of natural light. The remodeled kitchen is a standout, featuring granite countertops, stainless steel appliances and a stylish tiled backsplash. Original character adds charm throughout, with hardwood flooring beneath portions of the existing flooring and tongue-and-groove wood ceilings beneath the decorative ceiling panels, offering future possibilities for those who appreciate timeless details. The enclosed sunroom provides additional flexible living space and is a wonderful spot to enjoy your morning coffee or unwind at the end of the day. Outside, the property offers a generous yard, pole barn, huge work-shed/garage, small shed and covered patio.

2592 Kingston Rd, Crestview

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