Santa Rosa Island Homes under $1.5 million

Santa Rosa Island Homes under $1.5 million

Welcome to Santa Rosa Island, a hidden gem nestled in the heart of Fort Walton Beach, Florida, within the picturesque Okaloosa County. This charming subdivision offers a unique blend of coastal living and community spirit, making it a perfect choice for families, retirees, and anyone seeking a serene yet vibrant lifestyle.

Santa Rosa Island is renowned for its stunning natural beauty, with sugar-white sandy beaches and emerald-green waters just a stone's throw away. Residents enjoy easy access to a plethora of outdoor activities, from fishing and boating to hiking along scenic trails. The island's tranquil atmosphere is complemented by a tight-knit community that values friendliness and neighborly connections.

One of the most appealing aspects of Santa Rosa Island is the availability of beautiful homes priced under $1.5 million. Here, you’ll find an array of properties that cater to diverse tastes and preferences, from charming beach cottages to modern coastal retreats. These homes often feature spacious layouts, luxurious finishes, and breathtaking views, providing the perfect backdrop for both relaxation and entertaining.

In addition to the stunning real estate options, Santa Rosa Island boasts proximity to a variety of shopping, dining, and entertainment venues. Whether you’re in the mood for a casual beachside café or a fine dining experience, you’ll find plenty of options to satisfy your cravings.

If you’re searching for a slice of paradise where you can enjoy the best of Florida living, look no further than Santa Rosa Island. With its idyllic setting, welcoming community, and exceptional homes, it’s the perfect place to call home. Come explore your future in this coastal haven!

Newest Santa Rosa Island Homes under $1.5 million

757 Seahorse Ave, Fort Walton Beach
$699,900
3 Beds ⋅ 3 Baths ⋅ 1012380 MLS
Approximately 639 feet from public beach access leading to the sugar-white sand and Gulf, this freshly updated coastal retreat offers Gulf views, a private pool, and more than 1,600 square feet of outdoor living space. The interior has been refreshed with new coastal-inspired wall colors and freshly painted kitchen cabinetry, creating a bright, clean look that complements the home's natural light and island setting. Located in one of Okaloosa Island's most desirable residential neighborhoods, where short-term vacation rentals are not permitted, the property offers a rare combination of beach proximity, privacy, and relaxed coastal living. More than 1,000 square feet of elevated decking, along with additional covered outdoor areas and patio space, provides multiple places to enjoy Gulf breezes, sunrises, sunsets, and gatherings with family and friends. Inside, the spacious open-concept floor plan is designed for comfortable everyday living and easy entertaining. The chef's kitchen features freshly painted custom cabinetry, abundant storage, granite countertops, and an impressive 8-foot by 11-foot center island topped with a single slab of granite. Walls of windows fill the living areas with natural light while capturing views toward the Gulf. The home also features an owned solar energy system that is included in the sale, allowing the new owner to enjoy the benefits of solar without assuming a solar lease. After a day at the beach, relax beside the private pool, entertain on the expansive decks, or take a short stroll to nearby Santa Rosa Sound access for paddleboarding, kayaking, fishing, and boating. The generous corner lot provides additional privacy and outdoor space rarely found this close to the beach. Unlike many beach communities, this neighborhood offers a quieter residential atmosphere without the constant turnover of weekly vacation rentals. Dining, shopping, entertainment, and area attractions are all conveniently nearby. Whether you are searching for a primary residence, second home, or family beach retreat, this property offers Gulf views, public beach access, a private pool, extensive outdoor living space, an owned solar energy system, and a freshly updated coastal interior in one of Okaloosa Island's most sought-after locations.

757 Seahorse Ave, Fort Walton Beach
731 Sailfish Dr, Fort Walton Beach
$973,900
3 Beds ⋅ 4 Baths ⋅ 1009969 MLS
PRIVATE ISLAND RETREAT with 42' L-SHAPED POOL / QUIET SINGLE-FAMILY NEIGHBORHOOD / RV PAD with UTILITIES. This is a rare completely renovated Okaloosa Island home that offers the perfect blend of coastal lifestyle, privacy, and everyday comfort - just steps from the Gulf of America and directly across from the Santa Rosa Sound. Walking access to both the Beach and Sound Situated on a large corner lot in a wonderful single-family neighborhood with no short-term rentals. Enjoy coastal living plus the shade of mature trees- inviting outdoor entertaining spaces and one of the most unique backyard settings on the island. The home welcomes you with abundant natural light, distinctive open -concept layout designed for both entertaining and relaxed island living. Recently updated, this home is better than new! * New flooring * New impact rated windows * New roof * New Trex staircase + rooftop deck * Upgraded kitchen w/ Silestone countertops * New bathrooms * New AC /heat pump units x2 * New tankless water system * New horizontal privacy fencing * New Zoysia lawn * all walls and ceilings level 5 skim coat * Spiral staircase * screened porch * Inviting front porch * Large workshop w AC * Large RV pad w utilities This is more than a home, it's where memories are made...morning beach walks, afternoons by the pool, sunsets from the deck. A place for friends, family and fun! Lets do this....

731 Sailfish Dr, Fort Walton Beach
631 Pelican Dr, Fort Walton Beach
$1,265,000
5 Beds ⋅ 3 Baths ⋅ 1009046 MLS
Live in the beach house you've always dreamt of on Okaloosa Island. This Coastal Colonial home sits on one of the island's largest corner lots (0.39 acres) and is 3,200 + sq. ft. fully updated with a detached home office. This location offers rare views of both the Gulf of America and the Intercoastal Waterway and you are just 40 steps from the sugar white sand beaches. From the moment you pull into the circle drive, you can hear the waves and feel the ocean breeze. Outside you will find FIVE newly stained decks and a massive inground gunite swimming pool. This stunning 5 bed/3 bath has been completely remodeled with high-end finishes, custom tilework, and thoughtful upgrades. Inside has a flexible layout with multiple living spaces and two custom kitchens, allowing for the option of multi-generational living. Take in the amazing gulf views from the master bedroom and bathroom. Four additional bedrooms and two full bathrooms are just as spectacular with space for the whole family. You will enjoy true convenience with duel washer/dryer hookups located on each level. Throughout the home you will see solid, custom interior doors made of the finest stain grade walnut, top of the line Cortec waterproof Blonde Oak flooring, and custom plantation shutters for each room. This unique beach house is both a lifestyle and an investment. Schedule your private showing today and experience luxury coastal living at its finest!! Seller will also provide 1 year Assurant home warranty.

631 Pelican Dr, Fort Walton Beach
843 Santa Rosa Ct, Fort Walton Beach
$748,000
3 Beds ⋅ 3 Baths ⋅ 1006617 MLS
Steps to the shore! Located directly across from beach access--under 150 yards away--this coastal retreat offers the ultimate beachside lifestyle. The main level features an expansive, open-concept living, dining, and kitchen area with vaulted ceilings, custom built-ins, and a built-in desk. The modern kitchen boasts stainless steel appliances and a breakfast bar. Relax in the main-level primary suite with a large walk-in closet and luxury bath. Outside, a spacious wrap-around balcony captures refreshing Gulf breezes and overlooks a beautifully fenced backyard. The ground level adds excellent versatility with a den, two additional bedrooms, a full bath, and a double side-entry garage.

843 Santa Rosa Ct, Fort Walton Beach
519 Dorado Ave, Fort Walton Beach
$1,145,000
4 Beds ⋅ 3 Baths ⋅ 1002598 MLS
Sound Front Serenity meets Gulf Coast Living. This charming, mid-century modern home with 4 bedrooms, 3 full bathrooms, and 2502 sq ft offers 147 feet of water frontage and .39 acres on the Santa Rosa Sound! Enjoy endless water views and sunsets from the comfort of your home. The Sound is located on one side of the barrier island and offers boating, fishing, swimming, canoeing, paddle boarding, and water sports while the Gulf and white sandy beaches are on the other side of the island and only 4 minutes away. The exterior of the home has a metal roof, gutters, a paver parking pad, an extended driveway lined with pavers and plenty of parking for a boat and multiple vehicles. There is no HOA and golf carts are allowed. The home is perfect for entertaining with covered patios overlooking the water to a patio connecting both sides of the home. Enter the foyer and immediately there are views of the Sound! A large living room is located to the right of the foyer through a case opening and a home office is located to the left of the foyer through French Doors. The living room has built in, custom cabinetry and a large picturesque window allowing views of the palm trees and natural light to abound. The front room is perfect for a home office or a fourth bedroom. The kitchen is updated to include a large, 6 ft island that seats 6, pendant island lighting, white shaker, custom cabinetry to the ceiling with crown, stainless appliances to include a French Door refrigerator, built in microwave, dishwasher, and a five burner gas slide in oven and stove. There are also granite counter tops, a tiled back splash and recessed lighting. Classic elements of the home such as the terrazzo flooring blends with the modern finishes to create a custom, luxury retreat. The home has both an open and split floor plan. The update kitchen opens to the dining room and a second living room with all boasting water views of the Sound! The spacious primary bedroom overlooks the Sound and has French doors leading to the covered patio. There is an ensuite bathroom completely updated to include a large double vanity with plenty of storage space, a large, tiled walk in shower with floor to ceiling tile and a frameless glass divider, a soaking tub, tiled floors, new mirrors, sconce lighting, faucets and fixtures. The primary bedroom also offers a large walk in closet with shelving. On the other side of the home there is a guest bedroom overlooking the Sound! An additional guest bedroom with views of the palm trees and a full bathroom. The Bathroom has an extra-long single vanity, tub shower surround and white tiled walls. There is a third bathroom near the kitchen and a laundry room. Exit sliding glass doors from either side of the home and relax on multiple patios! The upper patio is tiled and the lower patio is spacious and allows for a large table for outdoor dining. The back yard has a recreation area for corn hole, basketball, or pickle ball, fire pit, and a sandy area for lounging in the sun. Several covered patios allow for breathtaking views of the Sound while relaxing in the shade. The seawall that spans approximately 147 feet was replaced in 2018 and there is a short dock with stairs to enter the sandy bottom, shallow water. Pride of ownership shows and many features of the home have been updated. For example, the homeowner upgraded to a Rinnai tankless hot water heater (2018), replaced a second hot water heater in 2023, replaced an HVAC in 2025, maintains a termite bond with Sentricon termite protection, completely refurbished the sprinkler system in 2024, replaced the kitchen appliances in 2018 and replaced the corrugated sea wall in 2018. This home is perfect for a primary home, second home, or investment property. This well designed mid century modern home provides exceptional coastal charm on a lot with one of the longest seawalls on the island! Termite bond renewed and transferable Buyer to verify all dimensions and information.

519 Dorado Ave, Fort Walton Beach
738 Starfish Ave, Fort Walton Beach
$1,325,000
8 Beds ⋅ 6 Baths ⋅ 1000887 MLS
NEW PRICE -- $1,325,000! MOTIVATED SELLERS! Discover exceptional coastal living in this impressive 8-bedroom, 6,432 sq. ft. home with public beach access directly across the street and beautiful Gulf and Santa Rosa Sound views. Designed for gathering, the home features two full kitchens, multiple living areas, and expansive balconies perfect for Gulf breezes, sunsets, and watching local fireworks from the back balcony. The gourmet kitchen features a large island, granite countertops, white cabinetry, and stainless steel appliances. The third level offers four bedrooms, Jack-and-Jill baths, an additional family room, and two bedrooms with private balconies. Ideal as a primary residence, multigenerational home, or spacious coastal second home. Enjoy incredible space, coastal views, and the sugar-white sands of the Emerald Coast just steps away. Motivated sellers--schedule your private showing and bring your offer!

738 Starfish Ave, Fort Walton Beach
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