$997,000

417 Cobia Avenue, Fort Walton Beach, FL 32548

4 beds |
3 baths |
2,665 sqft

Single-Family Home
Built in 1972
0.32acre lot
—— car garage
$374/sqft
Listed 25 days ago

Property Description

Discover coastal living at its finest in this beautifully renovated two-story beach house on Okaloosa Island, situated on a spacious 0.32-acre lot just moments from sugar-white sand and emerald waters. Designed for flexibility, entertainment, and comfort, this home offers a unique blend of upgraded interiors, modern amenities, and resort-style outdoor living. Step inside to an inviting upper level featuring a fully remodeled kitchen with a stylish tile backsplash, gleaming granite countertops, stainless steel appliances, and abundant natural light-perfect for cooking, hosting, and gathering. The open-concept living area flows seamlessly and includes a cozy gas fireplace, creating a warm, coastal-chic atmosphere year-round. Downstairs, a private lock-out apartment provides exceptional versatility. Use it as a guest suite, rental opportunity, or easily integrate it into the main home to create a luxurious full master retreat complete with its own living area and fully equipped kitchenette. Outside, your personal paradise awaits. Enjoy a beautiful new composite 560+ sq ft deck overlooking a sparkling in-ground pool and a large fenced yard which is ideal for entertaining, sunbathing, or quiet evenings under island skies. The property also includes a 2024 tankless gas water heater, ensuring efficient, endless hot water for the whole household. A new metal roof was completed in 2020, whole house rewire in 2019, and new HVACs in 2020 and 2025. Whether you're seeking a primary residence, vacation home, or high-earning investment property, this expertly renovated Okaloosa Island gem delivers style, space, and exceptional coastal charm-all on an oversized lot rarely found this close to the beach. Call today to secure your piece of paradise!

Listing Status:: Active
Date Added:: November 20, 2025 at 06:00AM
Listing Office:: Compass : 850-296-9769
Listing Agent:: Crystal L Watkins : 850-855-6885
MLS ID:: 989999

General: Beamed CeilingsKitchen IslandPantryWasher/Dryer HookupWoodwork Painted
Appliances: DishwasherDisposalMicrowaveRefrigeratorGas Water HeaterTankless Water Heater
Flooring: HardwoodTile
A/C: Central AirCeiling Fan(s)
Heating: Central
Fireplace: Fireplace GasFireplace

General: Outdoor GrillColumns
Style: Beach House
Pool: In Ground

Windows: Double Pane WindowsWindow Treatments
General: BrickSiding VinylSlab2

Road/Access: Paved
Originating MLS: Emerald Coast Association of REALTORS®
County: Okaloosa

Zoning: CountyResid Single Family00-2S-24-2185-0004-0144
View: GulfIntracoastal Waterwy
Fencing: Fenced Lot-AllFenced Lot-PartPrivacy

Water: 0

Source: Emerald Coast Association of REALTORS®

This listing courtesy of Crystal L Watkins, Compass

Monthly Payment

$Est. Payment

Principal & Interest $
Property Taxes $
Home Insurance $
VA Funding Fee $

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Location

Schools Nearby

Elliott Point Elementary School

301 Hughes St NE, Fort Walton Beach, FL, 32548

Grades PK-5

1.71 miles away

Max Bruner Junior Middle School

322 Holmes Blvd NW, Fort Walton Beach, FL, 32548

Grades 6-8

2.14 miles away

Fort Walton Beach High School

400 Hollywood Blvd SW, Fort Walton Beach, FL, 32548

Grades 9-12

2.16 miles away

Disclaimer: School and School District information courtesy of the National Center for Education Statistics (NCES). School boundaries may change. Proximity to listed schools does not guarantee enrollment eligibility. Contact the school district for more information and exact boundaries.