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1860 Whispering Oaks Lane, Fort Walton Beach, FL 32547 (MLS# 1005485)

1860 Whispering Oaks Lane, Fort Walton Beach, FL 32547

$405,000
Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,573 Lot Size (sq. ft.): 3,920 Status: Active
Current Price: $405,000 List Date: 7/01/2026 Last Modified: 8/03/2026

Description

Welcome to 1860 Whispering Oaks Lane, a beautifully updated and thoughtfully customized home in one of Fort Walton Beach's most convenient locations. An assumable VA loan with a 5.625% interest rate presents a rare opportunity for qualified buyers. Conveniently located approximately 7 minutes from Hurlburt Field and 11 minutes from Eglin AFB, the home also offers easy access to beaches, shopping, dining, and everyday conveniences. Recent updates include a newer roof, HVAC system, quartz countertops, luxury vinyl plank flooring, updated cabinetry, fixtures, and modern finishes throughout. Custom touches include a built-in entry storage station, custom pantry, walk-in closet system, elevated laundry platform, electric fireplace feature wall, dry bar, and extensive garage shelving. A standout feature is the approximately 600-square-foot finished attic bonus space with its own dedicated heating and cooling system--ideal for a media room, home office, fitness area, hobby room, or additional living space. With move-in-ready updates, exceptional storage, flexible bonus space, and a prime location, this home offers a unique combination of comfort, functionality, and value.

Open Houses

Sunday, August 09, 11:00 am - 1:00 pm

More Information MLS# 1005485

General Property Info

userdefined76: 4 Sub-Type: Detached Single Family Design: Traditional SqFt Source: County PA Records Immediate Occupancy: No Garage: Yes Carport: No Driveway Spaces: 2 Pool: No Pool Type: None Apx SqFt(Htd/Cooled): 1573 Bedrooms: 3 Full Baths: 2 Total Bathrooms: 2 # Stories: 2 Year Built: 1997 Garage Spaces: 2 Acreage: 0.09

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 257.47 List Date: 2026-06-15 Current Price: $405,000 List Price: $405,000

Location, Tax and Legal

Sub Area: 1207 - Wright Elementary School: Kenwood Middle School: Pryor High School: Choctawhatchee Legal Description: Forest Oaks Ph II Lot 9 Blk A

Listing Info, Tax & Legal

Is Subject Leased: No Assessment Fees: No New Buyer Fee: No Last Taxes: 3000.31 Last Tax Year: 2024 Brokerage Interest: No Interest As Is: No

Remarks & Misc

Remarks: Welcome to 1860 Whispering Oaks Lane, a beautifully updated and thoughtfully customized home in one of Fort Walton Beach's most convenient locations. An assumable VA loan with a 5.625% interest rate presents a rare opportunity for qualified buyers. Conveniently located approximately 7 minutes from Hurlburt Field and 11 minutes from Eglin AFB, the home also offers easy access to beaches, shopping, dining, and everyday conveniences. Recent updates include a newer roof, HVAC system, quartz countertops, luxury vinyl plank flooring, updated cabinetry, fixtures, and modern finishes throughout. Custom touches include a built-in entry storage station, custom pantry, walk-in closet system, elevated laundry platform, electric fireplace feature wall, dry bar, and extensive garage shelving. A standout feature is the approximately 600-square-foot finished attic bonus space with its own dedicated heating and cooling system--ideal for a media room, home office, fitness area, hobby room, or additional living space. With move-in-ready updates, exceptional storage, flexible bonus space, and a prime location, this home offers a unique combination of comfort, functionality, and value.

Construction Status

Construction Complete: 1

Parking Features

Garage Attached: 1

Lot/Parcel Access

City Road: 1 Paved Road: 1

Lot Features

Sidewalk: 1

Construction/Siding

Roof Dimensional Shg: 1 Siding Brick Front: 1 Siding Wood: 1

Utilities

Public Sewer: 1 Public Water: 1 TV Cable: 1

Zoning

Resid Single Family: 1

Exterior

Fenced Privacy: 1

Interior

Ceiling Vaulted: 1 Fireplace: 1 Floor Vinyl: 1 Washer/Dryer Hookup: 1 Window Treatment All: 1

Financing

Conventional: 1 FHA: 1 VA: 1

Appliances

Auto Garage Door Opn: 1 Dishwasher: 1 Refrigerator: 1 Stove/Oven Electric: 1

Energy

AC - Central Elect: 1 Heat Cntrl Electric: 1 Water Heater - Elect: 1

Mstr Bdrm/Mstr Bath

MBed Walk-in Closet: 1

Master Bedroom

Second: 1

Bedroom

Second: 1

Kitchen

First: 1

Living Room

First: 1

Rooms

Bedroom: 1 Dining Area: 1 Kitchen: 1 Living Room: 1 Master Bathroom: 1 Master Bedroom: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 12 - Fort Walton Beach Street #: 1860 Street Name: Whispering Oaks Street Suffix: Lane State: FL Zip Code: 32547 County: Okaloosa Project Name/Subdivision: FOREST OAKS PH 2 Parcel ID: 34-1S-24-0802-000A-0090

Property Features

Construction Status: Construction Complete Lot Features: Sidewalk Zoning: Resid Single Family Parking Features: Garage Attached Exterior: Fenced Privacy Interior: Ceiling Vaulted; Fireplace; Floor Vinyl; Washer/Dryer Hookup; Window Treatment All Appliances: Auto Garage Door Opn; Dishwasher; Refrigerator; Stove/Oven Electric Utilities: Public Sewer; Public Water; TV Cable Energy: AC - Central Elect; Heat Cntrl Electric; Water Heater - Elect Master Bedroom: Second Bedroom: Second Kitchen: First Living Room: First Rooms: Bedroom; Dining Area; Kitchen; Living Room; Master Bathroom; Master Bedroom Financing: Conventional; FHA; VA

Room Information

Kitchen Level: First Dimensions: 10 x 12 Length: 10.00 Width: 12.00 Remarks: Buyer responsible for accurate measurements Dimensions: 10 x 12 Master Bathroom Level: Second Dimensions: 10 x 5 Length: 10.00 Width: 5.00 Remarks: Buyer responsible for accurate measurements Dimensions: 10 x 5 Living Room Level: First Dimensions: 15 x 11 Length: 15.00 Width: 11.00 Remarks: Buyer responsible for accurate measurements Dimensions: 15 x 11 Dining Area Level: First Dimensions: 13.5 x 11 Length: 13.50 Width: 11.00 Remarks: Buyer responsible for accurate measurements Dimensions: 13.5 x 11 Bedroom Level: Second Dimensions: 10 x 14 Length: 10.00 Width: 14.00 Remarks: Buyer responsible for accurate measurements Dimensions: 10 x 14 Bedroom Level: Second Dimensions: 10 x 10 Length: 10.00 Width: 10.00 Remarks: Buyer responsible for accurate measurements Dimensions: 10 x 10 Master Bedroom Level: Second Dimensions: 15 x 12 Length: 15.00 Width: 12.00 Remarks: Buyer responsible for accurate measurements Dimensions: 15 x 12
Listing Office: Realty ONE Group Emerald Coast
Listing Agent: Tarrah Minor
Last Updated: August - 03 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.