417 Cobia Avenue, Fort Walton Beach, FL 32548 (MLS# 989999)

417 Cobia Avenue, Fort Walton Beach, FL 32548

$859,900

Evenings shine brighter with a glowing pool and peaceful island backdrop

Bird’s-eye look at this beautifully renovated Okaloosa Island retreat

Beautiful two-story beach home just minutes from the Gulf

Expansive living area with direct deck access for island breezes

Renovated, flexible, and full of coastal charm

Modern coastal kitchen with tile backsplash and open flow

Renovated kitchen with granite counters and stainless appliances

Bright, open living space with updated finishes

From prep to party—kitchen and living area open to the outdoor space

Island living reimagined with modern upgrades throughout

Perfect for full-time living, vacationing, or investment

Perfect entertainer’s layout with doors opening to the deck

Spacious, sunlit living area that seamlessly connects the heart of the home

Bright, airy gathering space drenched in natural light

Light-soaked open-concept living perfect for relaxing or entertaining

Sun-filled living room with wide open sightlines throughout

Coastal comfort enhanced by a cozy gas fireplace

Spacious deck perfect for morning coffee or sunset cocktails

A sunlit deck that brings the best of coastal living outdoors

Elevated deck expands your living space with island breezes

Ideal outdoor lounge space for dining, relaxing, and entertaining

Step outside to a wide, welcoming deck made for gatherings

Serene primary bedroom with open access to the expansive deck

Bright primary retreat with seamless indoor–outdoor flow to the deck

Contemporary full bathroom featuring stylish fixtures and a fresh, modern design

Charming guest bedroom with shiplap accents and stylish wallpaper detail

Gorgeous renovated bathroom on main floor

Flex space on main floor steps from the pool

Oversized deck overlooking your own Private in-ground pool

Resort-style backyard on a spacious 0.32-acre lot.

Private in-ground pool with room to relax and entertain

Cool off in your private in-ground pool—your own island escape

Freshly renovated island retreat on a rare oversized lot

Create your dream master retreat with separate living space

Flexible downstairs suite/apartment with kitchenette and living area—ideal for guests or rental

Convertible lock-out apartment: easily becomes a luxury master suite

Cozy apartment with everything you need: full bath, living room, and kitchen

Versatile downstairs retreat with full amenities and separate entrance

Private downstairs apartment with full bath, living area, and kitchenette—perfect for guests or rental.

Flexible lock-out suite featuring a full kitchen, living space, and bath

Ideal guest or rental space with full bath, kitchen, and living area

Coastal charm meets modern updates on Okaloosa Island

Aerial view showcasing the pool, spacious lot, and prime island location

Expansive 0.32-acre island property with resort-style backyard

Your coastal retreat situated between the Gulf of America and the Santa Rosa Sound

Large yard, sparkling pool, and beachside convenience—all from above

Prime island living captured from the sky—space, privacy, and coastal charm

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,665 Lot Size (sq. ft.): 13,939 Status: Active

Current Price: $859,900 List Date: 11/20/2025 Last Modified: 4/04/2026

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

Supplements: 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!

More Information MLS# 989999

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 322.66 List Date: 2025-11-20 Current Price: $859,900 List Price: $859,900

Location, Tax and Legal

Sub Area: 1201 - Okaloosa Island Elementary School: Elliott Point Middle School: Bruner High School: Fort Walton Beach Legal Description: SANTA ROSA ISLAND LOT 144 BLK 4

General Property Info

Sub-Type: Detached Single Family Design: Beach House SqFt Source: Appraiser Immediate Occupancy: No Garage: No Carport: No Carport Spaces: 0 Covered Spaces: 0 Driveway Spaces: 6 Pool: Yes Pool Type: Private Apx SqFt(Htd/Cooled): 2665 Bedrooms: 4 Full Baths: 3 Total Bathrooms: 3 # Stories: 2 Year Built: 1972 Acreage: 0.32

Listing Info, Tax & Legal

Homestead: Yes Is Subject Leased: No Assessment Fees: No New Buyer Fee: No Last Taxes: 3123.62 Last Tax Year: 2024 Brokerage Interest: No Interest As Is: No

Remarks & Misc

Remarks: 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

Construction Status

Construction Complete: 1

Waterview

Intracoastal Waterwy: 1

Lot/Parcel Access

Paved Road: 1

Lot Features

Level: 1 Within 1/2 Mile to Water: 1

Construction/Siding

Brick: 1 Roof Metal: 1 Siding Vinyl: 1 Slab: 1

Utilities

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

Zoning

County: 1 Resid Single Family: 1

Exterior

BBQ Pit/Grill: 1 Columns: 1 Deck Open: 1 Fenced Lot-All: 1 Fenced Lot-Part: 1 Fenced Privacy: 1 Guest Quarters: 1 Patio Covered: 1 Pool - In-Ground: 1

Interior

Ceiling Beamed: 1 Fireplace Gas: 1 Floor Hardwood: 1 Floor Tile: 1 Kitchen Island: 1 Pantry: 1 Renovated: 1 Washer/Dryer Hookup: 1 Window Treatmnt Some: 1 Woodwork Painted: 1

Financing

Conventional: 1

Appliances

Dishwasher: 1 Disposal: 1 Microwave: 1 Refrigerator: 1 Stove/Oven Electric: 1

Energy

AC - Central Elect: 1 Ceiling Fans: 1 Double Pane Windows: 1 Heat Cntrl Electric: 1 Water Heater - Gas: 1 Water Heater - Tnkls: 1

Mstr Bdrm/Mstr Bath

MBath Shower Only: 1 MBath Tile: 1 MBath Walk-In Closet: 1 MBed First Floor: 1

Master Bedroom

Second: 1

Bedroom

Second: 1

Kitchen

Second: 1

Living Room

First: 1 Second: 1

Rooms

Bedroom: 1 Kitchen: 1 Laundry: 1 Living Room: 1 Master Bedroom: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 12 - Fort Walton Beach Street #: 417 Street Name: Cobia Street Suffix: Avenue State: FL Zip Code: 32548 County: Okaloosa Project Name/Subdivision: SANTA ROSA ISLAND Parcel ID: 00-2S-24-2185-0004-0144

Property Features

Construction Status: Construction Complete Lot Features: Level; Within 1/2 Mile to Water Zoning: County; Resid Single Family Waterview: Intracoastal Waterwy Exterior: BBQ Pit/Grill; Columns; Deck Open; Fenced Lot-All; Fenced Lot-Part; Fenced Privacy; Guest Quarters; Patio Covered; Pool - In-Ground Interior: Ceiling Beamed; Fireplace Gas; Floor Hardwood; Floor Tile; Kitchen Island; Pantry; Renovated; Washer/Dryer Hookup; Window Treatmnt Some; Woodwork Painted Appliances: Dishwasher; Disposal; Microwave; Refrigerator; Stove/Oven Electric Utilities: Public Sewer; Public Water; TV Cable Energy: AC - Central Elect; Ceiling Fans; Double Pane Windows; Heat Cntrl Electric; Water Heater - Gas; Water Heater - Tnkls Master Bedroom: Second Bedroom: Second Kitchen: Second Living Room: First; Second Rooms: Bedroom; Kitchen; Laundry; Living Room; Master Bedroom Financing: Conventional

Room Information

Master Bedroom Level: Second Dimensions: 18 x 11 Length: 18.00 Width: 11.00 Remarks: Irregular Dimensions: 18 x 11 Living Room Level: First Dimensions: 12 x 14 Length: 12.00 Width: 14.00 Remarks: Irregular Dimensions: 12 x 14 Kitchen Level: Second Dimensions: 20 x 14 Length: 20.00 Width: 14.00 Dimensions: 20 x 14 Laundry Level: First Dimensions: 10 x 5 Length: 10.00 Width: 5.00 Dimensions: 10 x 5 Kitchen Level: Second Dimensions: 23 x 16 Length: 23.00 Width: 16.00 Remarks: Irregular Dimensions: 23 x 16 Living Room Level: Second Dimensions: 17 x 17 Length: 17.00 Width: 17.00 Remarks: Irregular Dimensions: 17 x 17 Bedroom Level: Second Dimensions: 12 x 12 Length: 12.00 Width: 12.00 Dimensions: 12 x 12 Bedroom Level: Second Dimensions: 13 x 12 Length: 13.00 Width: 12.00 Dimensions: 13 x 12

Listing Office: Compass

Listing Agent: Crystal L Watkins

Last Updated: April - 04 - 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.