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Just one block from the sugar-white sand and emerald waters of the Gulf of America, this 3-bedroom, 2-bath Florida beach house offers the coastal lifestyle buyers are searching for. Full of classic Old Florida character, the home features a private backyard pool, two full bathrooms, and plenty of opportunity to add your own style and make it truly special.
Whether you're looking for a primary residence, second home, vacation retreat, or income-producing short-term rental property, this home delivers location, lifestyle, and investment potential. Spend your days at the beach, unwind by the pool, and enjoy the laid-back coastal atmosphere that makes this area one of the most sought-after destinations on the Emerald Coast.
Beach-close homes with owner financing options are hard to find--don't miss the chance to make this Florida beach cottage your own.

Panama City Beach

125 Malaga Place

3 Beds

2 Baths

1,269 Sq.Ft.

$724,990

MLS#: 1004902

Wonderful, fully updated, 2 story, end unit condo located on the beachside of Sandestin Golf and Beach Resort. Enjoy a spacious, open floor plan with high ceilings surrounded by many windows. Beautifully furnished and decorated. This home has a large screened-in balcony overlooking the 13th hole of the Baytowne Golf Course. Main floor features the kitchen, living area, dining area, primary bedroom with two large closets and a luxurious ensuite bathroom, two guest bedrooms, and two additional full bathrooms completely updated. The kitchen is upgraded with quartz counters and stainless steel appliances, including an undercounter wine fridge. New flooring makes the home feel fresh and open. Unique spiral stairs lead to the 2nd floor custom built bunkroom (sleeps 8) with a full bathroom, large closet and door for privacy. This home is on Beyond Blue Vacations' rental program, and is a strong performer.

Miramar Beach

5273 Tivoli Way # 5273

3 Beds

4 Baths

2,260 Sq.Ft.

$1,199,000

MLS#: 1004895

#1004878

Navarre

7199 Riverview Street

4 Beds

2 Baths

2,568 Sq.Ft.

$486,000

MLS#: 1004878

Beautifully crafted new construction residence featuring 4 bedrooms, 2 bathrooms, and a thoughtfully designed split floor plan that offers both privacy and functionality. The open-concept living and kitchen area creates the perfect space for entertaining and everyday living.

The kitchen is a true showstopper with quartz countertops, white cabinets, breakfast bar, and WALK-IN PANTRY! The spacious living area flows seamlessly from the kitchen, creating an inviting atmosphere.

Retreat to the private primary suite that features a stand-up shower, soaker tub, double vanity, and oversized walk-in closet. Three additional spacious bedrooms provide flexibility for family, guests, or a home office.

This home will even offer a mud room off the garage with access to the laundry room.

Head out back to relax under your covered back porch!

Crestview

401 Arroyo Hondo Terrace

4 Beds

2 Baths

1,955 Sq.Ft.

$377,999

MLS#: 1004907

Freshly painted inside and out, this beautiful and spacious end-unit townhome offers the perfect combination of comfort, style, and privacy. Bright, inviting interiors create a light and airy feel throughout, while the desirable end-unit location provides additional windows and natural light. Enjoy a more private setting with a rear-facing lot that offers a peaceful backdrop instead of directly overlooking neighboring back porches. Whether you're relaxing indoors or enjoying the outdoor space, this home delivers a sense of openness and tranquility that's hard to find. Conveniently located and move-in ready, this is an opportunity you won't want to miss.

Destin

301 Mattie M Kelly Boulevard 301

3 Beds

2 Baths

1,543 Sq.Ft.

$324,900

MLS#: 1004891

Seller welcomes backup offers. Built by Carrot Top Construction in 2023, this beautifully executed single-level home offers 4 bedrooms, a dedicated office, and a floor plan designed for the way people live today. Set on a generous 0.29-acre homesite with no HOA, the property features a true three-car garage, a spacious screened porch, and plenty of room for a future pool, cabana, or private outdoor retreat.

Natural light, warm finishes, and a well-executed floor plan create an open, inviting atmosphere that flows effortlessly from one space to the next. The heart of the home is a beautifully designed great room centered around a spacious kitchen island and Venetian plaster fireplace, while the vaulted primary suite offers a spa-inspired bath and an oversized walk-in closet.

Located at 264 Eden Drive in the historic Point Washington community of Santa Rosa Beach, the home is just minutes from Seaside, Scenic Highway 30A, bay access, Point Washington State Forest, and local shopping and dining. Beautifully built, impeccably maintained, and designed for the way people live today, this is a home best experienced in person.

Santa Rosa Beach

264 Eden Drive

4 Beds

3 Baths

2,508 Sq.Ft.

$1,185,000

MLS#: 1004856

This first-floor Hidden Dunes cottage offers one of the most desirable locations in the community. A standout feature is the exceptionally large patio, providing an expansive outdoor living space rarely found. Perfect for entertaining, dining outdoors, or simply relaxing in the coastal breeze, the patio serves as a seamless extension of the home's living area. The cottage is conveniently positioned near the community pool, gazebo, gas grills, playground, and lighted basketball courts, all while being surrounded by Hidden Dunes' lush tropical setting. Spanning 27 beautifully landscaped acres, Hidden Dunes is known for its outstanding amenities, including six meticulously maintained Rubico clay tennis courts, pickleball courts, ample resort parking, and easy access throughout the property. Inside, the open-concept layout creates a bright and welcoming atmosphere with comfortable spaces for gathering, dining, and relaxing. Large doors open to the oversized patio, enhancing the indoor-outdoor lifestyle and providing plenty of room to enjoy morning coffee, afternoon sunshine, or evening gatherings with family and friends. Whether you're searching for a vacation getaway, primary residence, or income-producing rental property, this first-floor cottage checks all the boxes. With its spacious patio, convenient ground-floor location, outstanding amenities, and resort-style setting, this is a rare opportunity you won't want to miss. to miss.

Miramar Beach

9815 US-98 134

2 Beds

2 Baths

1,086 Sq.Ft.

$399,000

MLS#: 1004869

LOCATION,LOCATION,LOCATION! Here's your amazing opportunity to own an adorable FL COTTAGE tucked away at the end of a quiet street, just minutes from Destin's white sand & turquoise waters! HIGH and Dry flood zone X! Not quite waterfront (just a stone's throw) but neither is the price tag! Downsizing? Retirement? Airbnb?? Fishing cabin?.. NO HOA! The possibilities are endless! Step outside your door and catch those tranquil vibes with the bay breeze and open GORGEOUS views overlooking the Choctawhatchee Bay. The seller's have made some beautiful updates and renovations inside and out. Roof replaced in 2021 water heater 2024, heated and cooled by mini splits. 50 amp RV hook up! Don't wait to own a piece of paradise at this price! ''As is'' conventional or cash
Buyer to verify all info deemed important

Niceville

16 Nimrod Circle

2 Beds

1 Baths

938 Sq.Ft.

$279,900

MLS#: 1004906

#1004862

Miramar Beach

277 The Grove Drive North 326

1 Beds

2 Baths

955 Sq.Ft.

$549,000

MLS#: 1004862

#1004900

Fort Walton Beach

1517 SE Miracle Strip Parkway 308

1 Beds

1 Baths

460 Sq.Ft.

$270,000

MLS#: 1004900

The Farmhouse Estate Lifestyle provides a wonderfully unique and coveted warm family environment where you find yourself falling in love with your home over and over again. This 2025 partial remodel added bells and whistles. The Gathering Kitchen is a highlight whether having lunch with the family or the gathering spot for the entire extended family and friends during those special times and holidays when everyone is cooking or wants to be in the kitchen. Summers are special, and these 2.5 acres truly make this a home. You have a lofted 16x32' and powered shed. When you are home from RVing, park the RV on the 30 amp RV parking pad. The family will enjoy the uniqueness of fishing in the private pond fully stocked with (I seem to have misplaced what the pond is stocked with) and turtles. Those hot summer days will disappear with a cool drink and a dip in the 27 ft pool. This home is a wonderful lifestyle. Welcome Home! With acceptable offer, the seller will pay off the solar panels. If the buyer elects to assume the solar panel loan, the seller will reduce the purchase price by amount owed on solar panels.

Crestview

110 Eagle Court

5 Beds

2 Baths

2,909 Sq.Ft.

$519,900

MLS#: 1004288

Create your best days with sunsets, nature, & island living on amazing Ono Island! This recently updated waterfront residence captures views of Intracoastal Waterway, Perdido Bay, Arnica Bay, & Bayou St. John, offers exceptional boating access, & relaxed coastal lifestyle that makes Ono Island one of the Gulf Coast's most sought-after communities. Spanning 3,016 square feet, this 3-bedroom, 3.5-bath home showcases thoughtful design & quality finishes throughout. Inside, you'll find beautiful updated glossy quartz tile with modern waterfront style, a Culinary delight with incredible views in the beautifully updated kitchen with custom cabinetry & stainless-steel appliances including burner gas range, quartz, a sophisticated wet bar, beautifully appointed bathrooms, & a wood-burning fireplace that creates a welcoming gathering space. Expansive windows frame the water from multiple rooms, allowing the natural beauty of the bayou to become part of everyday living. Outdoor spaces are designed to take full advantage of the waterfront setting. Spend afternoons by the heated saltwater pool, entertain guests on the composite decking, or relax on the entertainment dock while enjoying the wildlife, nature and the sights and sounds of this exclusive location on Ono Island. The property includes a deeded boat slip with a 16,000-pound lift in Ono Island Harbour, providing access to some of the area's best fishing, cruising, & waterfront destinations. Other features include hurricane-impact windows, fortified roof, Generac generator, tankless gas water heater, whole-home WiFi automation, irrigation, lush landscaping, & state-of-the-art entertainment system. Upstairs HVAC system replaced in 2026. Life on Ono Island is centered around the water, & this property embraces it beautifully. Whether heading out for a day on the boat, gathering with friends poolside, or ending the evening with sunset views, this is the place to experience the island lifestyle!

Other

31061 Peninsula Drive

3 Beds

3 Baths

3,016 Sq.Ft.

$2,799,000

MLS#: 1004898

Back on the market at no fault of the sellers and listed below previously appraised value! Sellers are now offering a $10,000 credit that can be used toward updates, repairs, or closing costs. This home presents a great opportunity for buyers looking to build equity while enjoying peace of mind with major updates already completed, including a 2021 roof, 2022 HVAC, and 2025 water heater. Welcome to this move-in ready Willow Bend home, located just a short walk from the neighborhood lake. This 3-bedroom, 2.5-bath home features an inviting living area with a wood-burning fireplace, a bright kitchen, a convenient downstairs half bath, and a full-size laundry room. The first-floor primary suite offers a walk-in closet, double-sink quartz vanity, and a charming bay window seating area. Upstairs, you'll find two additional bedrooms and a full bath. Step outside to a fully fenced backyard complete with a pergola and storage sheds, perfect for pets, entertaining, gardening, or relaxing weekends at home. Conveniently located near military bases, HCA Florida Fort Walton-Destin Hospital, schools, shopping, dining, and everyday conveniences.

Fort Walton Beach

2501 Georgetown Lane

3 Beds

2 Baths

1,377 Sq.Ft.

$299,900

MLS#: 992965

#1004860

Destin

900 Gulf Shore Drive 3073

2 Beds

2 Baths

1,430 Sq.Ft.

$835,000

MLS#: 1004860

Fort Walton Beach

2501 Georgetown Lane

3 Beds

2 Baths

1,377 Sq.Ft.

$299,900

MLS#: 992965

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