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.
