Fort Walton Beach Homes with Cottage Design

Fort Walton Beach Homes with Cottage Design

Welcome to Fort Walton Beach, Florida, a charming coastal gem nestled in the heart of Okaloosa County. Known for its stunning white-sand beaches and crystal-clear emerald waters, Fort Walton Beach is a perfect blend of relaxation and adventure, making it an ideal destination for families, retirees, and everyone in between. With a rich history and a vibrant community, this area offers a unique lifestyle that celebrates both the beauty of nature and the warmth of Southern hospitality.

One of the most enchanting features of Fort Walton Beach is its array of homes designed in the delightful cottage style. These homes are characterized by their quaint charm, often featuring inviting porches, cozy interiors, and beautifully landscaped gardens. Cottage-style homes in this region are not just residences; they are a lifestyle choice that embodies the spirit of coastal living. Imagine sipping your morning coffee on a sun-drenched porch or enjoying evening strolls down tree-lined streets, all while being just minutes away from the beach.

The allure of cottage homes in Fort Walton Beach lies in their ability to create a sense of community. Many of these homes are situated in friendly neighborhoods that foster connections among residents, where children play outside and neighbors gather for seasonal events. With various styles and sizes available, these charming cottages cater to diverse tastes and budgets, making it easy to find your perfect coastal retreat.

Whether you’re looking for a vacation getaway or a permanent residence, Fort Walton Beach and its delightful cottage homes await you. Embrace the coastal lifestyle and discover the magic of this beautiful region today!

Newest Fort Walton Beach Homes with Cottage Design

$225,000
2 Beds ⋅ 2 Baths ⋅ 1011529 MLS
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
5 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
$549,900
4 Beds ⋅ 2 Baths ⋅ 1007331 MLS
NEW PRICE!!! Nestled in the highly sought-after Majestic Oaks community in Fort Walton Beach, this beautifully maintained home on Cummings Drive offers an inviting open floor plan and is perfectly situated on a quiet street with a beautifully manicured lawn. Ideally located just minutes from the sugar-white sands and crystalline-green waters of the Emerald Coast, this exceptional home also provides convenient access to Eglin Air Force Base and Hurlburt Field. Families will appreciate its proximity to Choctawhatchee High School and Pryor Middle School. Designed for both everyday living and entertaining, the open-concept layout flows seamlessly into the spacious living room, highlighted by a double tray ceiling, recessed lighting, and an abundance of natural light. The well-appointed kitchen features granite countertops, rich wood cabinetry, and a dedicated coffee bar station, making it both stylish and functional. Step outside to the covered porch and patio, an ideal setting for relaxing or hosting family and friends. The beautifully landscaped backyard is enhanced by vibrant crepe myrtles in full bloom, creating a colorful and peaceful outdoor retreat. The spacious primary suite easily accommodates king-sized furnishings and offers a private ensuite bath complete with dual vanities, a soaking tub, separate walk-in shower, and private water closet. A split-bedroom floor plan provides added privacy, while the secondary bedrooms offer generous closet space and convenient access to the hall bath. The laundry room is conveniently located adjacent to the primary suite and includes attractive wood cabinetry for additional storage. The oversized two-car garage features upgraded flooring and is equipped with an electric vehicle charging outlet. Outdoor enthusiasts will love the area's abundance of recreational opportunities. Golfers can enjoy numerous nearby public golf courses, while boaters and anglers will appreciate the many public boat launches just minutes away. A nearby neighborhood park offers something for everyone, including a children's playground, basketball court, and a scenic paved walking trail surrounding the pond. This exceptional property perfectly combines modern convenience, functional design, and an unbeatable location. Whether you are looking for a peaceful retreat or a home designed for entertaining, this Majestic Oaks gem is a rare find on the Emerald Coast. Schedule your private tour today to experience everything this home and community have to offer!

2335 Cummings 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
$317,900
4 Beds ⋅ 2 Baths ⋅ 1002300 MLS
Here is your opportunity to own a home in highly desirable Shalimar, Florida! Only minutes from Eglin AFB and the most beautiful beaches along the Gulf Coast, this home is going to offer you the coastal lifestyle you're looking for! A classic Florida-style cottage, this home has four bedrooms and two full, recently renovated baths. Roof, Water Heater and HVAC have all been replaced within the last 5 years. The family room opens to the dining area and kitchen, making for an ideal entertaining space. The current owners use one of the bedrooms as a music room, as it is adjacent to the family room and is connected by french doors. Down the hall are the two other guest rooms, as well as a full bath. The primary bedroom is at the rear of the home, with an attached bath. Off of the dining area is a screened porch, which will see a lot of use! Then, you'll make your way out to the separate 12x12 screened room, which is home to a large hot tub! The backyard has privacy fencing--so grab your beverage of choice and dash out to enjoy a relaxing soak! (Click More . . .) Solar panels (FULLY PAID OFF) were added after the roof was replaced--so your electric bill is typically just the basic connection fee (approximately $30/month, with a bump in Jan & Feb to approximately $60). New sod in the front yard is thriving! Come see this gem!

12 Berwick Cir, Shalimar
$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
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