407 Cobia Avenue, Fort Walton Beach, FL 32548 (MLS# 1003692)

407 Cobia Avenue, Fort Walton Beach, FL 32548

New Listing

$470,000

Twilight exterior showcasing the home's soft architectural lighting, illuminated windows, and mature palms against a vibrant coastal sunset sky.

Front elevation highlighting the fresh landscaping, white decorative stone accents, and inviting entryway from a slightly angled perspective.

Enjoy effortless coastal living in this bright, open-concept space designed for gathering with friends and family after sun-soaked days at the beach. Some decor digitally added.

Spacious kitchen and dining area with oversized island seating, and modern finishes with a seamless flow. Some decor digitally added.

Sleek chef-inspired kitchen complete with subway tile backsplash, stainless appliances, all door levers are solid brass, and expansive prep space.

Bright open-concept kitchen featuring quartzite countertops, stainless steel appliances, and abundant cabinetry.

Open living space offering flexible furniture arrangements and clean modern design throughout. Some decor digitally added.

Light-filled living area with modern tile flooring, high end plantation shutters, and an inviting open layout. Some decor digitally added.

Spacious living room with oversized windows and abundant natural light creating a warm coastal atmosphere designed for easy entertaining with contemporary coastal finishes. Fiberglass exterior doors for added longevity near the beach. Some decor digitally added.

This bedroom has a serene neutral palette, coastal artwork, and thoughtfully styled workspace with abundant natural light. Some decor digitally added.

Peaceful bedroom retreat with modern finishes, plantation shutters, and neutral tones ready for personalization. Some decor digitally added.

Convenient in-unit stacked washer and dryer tucked neatly into a dedicated laundry space located in the main bedroom.

Stylish full bathroom with custom tiled walk-in shower, modern vanity, and upscale fixtures. Some decor digitally added.

Spa-inspired bathroom featuring a sleek vessel sink, brushed nickel fixtures, and clean contemporary finishes.

The shower glass is low iron - super clean with blue edge to match the tile.

Bright and airy guest bedroom featuring contemporary flooring and a calming coastal aesthetic. Some decor digitally added.

Reverse angle capturing the inviting bed, natural textures, and bright open layout designed for comfort and relaxation.

Additional view emphasizing the soft neutral furnishings, decorative shelving, and cohesive coastal styling throughout the room.

Bright and inviting bedroom featuring a stylish dresser and mirror, coastal-inspired décor, and a soothing neutral color palette that enhances the room’s spacious and relaxing atmosphere. Some digitally staged decor.

Charming coastal-style exterior with tropical landscaping potential and an oversized driveway for additional parking or boat/rv storage.

Expansive partially fenced backyard with ample space for entertaining and outdoor living.

The future possibilities for this backyard are endless.

A relaxed coastal retreat with endless blue skies, swaying palms, and charming beach-house curb appeal just moments from the shore.

Aerial view showcasing the property's prime location just moments from the sugar-white beaches, Gulf waters, marinas, dining, and entertainment.

Bird’s-eye view highlighting the property's spacious lot, tropical surroundings, and close proximity to waterfront access and nearby coastal amenities.

Aerial perspective showcasing the home's exceptional location just moments from the sugar-white beaches and emerald waters of the Gulf, with nearby dining, entertainment, and coastal attractions.

Bird’s-eye view highlighting the property's prime coastal setting, just a short stroll from the beach, with nearby public parking, resorts, and Gulf-front amenities.

Property Type: Residential Bedrooms: 2 Baths: 1 Square Footage: 980 Lot Size (sq. ft.): 12,197 Status: Active

Current Price: $470,000 List Date: 6/04/2026 Last Modified: 6/04/2026

Description

Welcome to your coastal retreat on beautiful Okaloosa Island. Ideally located just 150 yards from the sugar-white sands and emerald waters of the Gulf, this beautifully renovated beachside home offers the perfect blend of coastal living, modern comfort, and investment potential. Enjoy easy access to Downtown Fort Walton Beach, Destin, waterfront dining, shopping, entertainment, boating, and some of the Emerald Coast's most sought-after beaches. Inside, you'll find a bright and inviting open-concept floor plan designed for effortless living and entertaining. Thoughtfully updated throughout, the home features oversized tile flooring, recessed lighting, custom plantation shutters, quartzite and luxury stylish finishes that create a fresh, relaxed atmosphere. The updated kitchen serves as the heart of the home, showcasing stainless steel appliances, sleek cabinetry, a classic subway tile backsplash, and an oversized island perfect for gathering with family and friends after a day at the beach. Spacious living areas provide plenty of room to relax and entertain, while the well-appointed bedrooms offer comfortable retreats filled with natural light. Every detail has been carefully considered to create a move-in-ready coastal escape. Step outside and embrace the island lifestyle. Spend your days walking to the beach, paddleboarding, fishing, boating, dining at local seafood restaurants, or simply enjoying breathtaking Gulf Coast sunsets. The generous lot provides abundant space for

Supplements: outdoor entertaining, future landscaping enhancements, additional parking, or boat and RV storage. With two bedrooms and exceptional versatility, this property is ideal as a primary residence, second home, or income-producing long-term rental. Its prime location near the beach, combined with extensive renovations and flexible outdoor space, creates lasting value and broad appeal. Opportunities to own this close to the beach are increasingly rare. Experience the charm, convenience, and relaxed coastal lifestyle that make Okaloosa Island one of Northwest Florida's most desirable destinations. Please note: Short-term rentals are not permitted.

More Information MLS# 1003692

General Property Info

userdefined76: 7 Sub-Type: Detached Single Family Design: Florida Cottage SqFt Source: County PA Records Immediate Occupancy: Yes Garage: No Carport: No Driveway Spaces: 7 Pool: No Pool Type: None Apx SqFt(Htd/Cooled): 980 Bedrooms: 2 Full Baths: 1 Total Bathrooms: 1 # Stories: 1 Year Built: 1956 Acreage: 0.28

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 479.59 List Date: 2026-05-22 Current Price: $470,000 List Price: $470,000

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 134 BLK 4

Listing Info, Tax & Legal

Homestead: No Is Subject Leased: No Assessment Fees: No New Buyer Fee: No Last Taxes: 3103.37 Last Tax Year: 2025 Brokerage Interest: No Interest As Is: Yes

Remarks & Misc

Remarks: Welcome to your coastal retreat on beautiful Okaloosa Island. Ideally located just 150 yards from the sugar-white sands and emerald waters of the Gulf, this beautifully renovated beachside home offers the perfect blend of coastal living, modern comfort, and investment potential. Enjoy easy access to Downtown Fort Walton Beach, Destin, waterfront dining, shopping, entertainment, boating, and some of the Emerald Coast's most sought-after beaches. Inside, you'll find a bright and inviting open-concept floor plan designed for effortless living and entertaining. Thoughtfully updated throughout, the home features oversized tile flooring, recessed lighting, custom plantation shutters, quartzite and luxury stylish finishes that create a fresh, relaxed atmosphere. The updated kitchen serves as the heart of the home, showcasing stainless steel appliances, sleek cabinetry, a classic subway tile backsplash, and an oversized island perfect for gathering with family and friends after a day at the beach. Spacious living areas provide plenty of room to relax and entertain, while the well-appointed bedrooms offer comfortable retreats filled with natural light. Every detail has been carefully considered to create a move-in-ready coastal escape. Step outside and embrace the island lifestyle. Spend your days walking to the beach, paddleboarding, fishing, boating, dining at local seafood restaurants, or simply enjoying breathtaking Gulf Coast sunsets. The generous lot provides abundant space for

Construction Status

Construction Complete: 1

Lot/Parcel Access

City Road: 1

Utilities

Electric: 1 Public Sewer: 1

Zoning

Resid Single Family: 1

Interior

Furnished - Some: 1 Kitchen Island: 1 Lighting Recessed: 1 Newly Painted: 1 Plantation Shutters: 1 Renovated: 1 Washer/Dryer Hookup: 1 Window Treatment All: 1 Woodwork Painted: 1

Financing

Conventional: 1 FHA: 1 VA: 1

Appliances

Dishwasher: 1 Dryer: 1 Microwave: 1 Refrigerator W/IceMk: 1 Stove/Oven Gas: 1 Washer: 1

Energy

AC - Central Elect: 1

Mstr Bdrm/Mstr Bath

MBed First Floor: 1

Bedroom

First: 1

Full Bathroom

First: 1

Rooms

Bedroom: 1 Full Bathroom: 1 Great Room: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 12 - Fort Walton Beach Street #: 407 Street Name: Cobia Street Suffix: Avenue State: FL Zip Code: 32548 County: Okaloosa Project Name/Subdivision: Okaloosa Island Parcel ID: 00-2S-24-2185-0004-0134

Property Features

Construction Status: Construction Complete Zoning: Resid Single Family Interior: Furnished - Some; Kitchen Island; Lighting Recessed; Newly Painted; Plantation Shutters; Renovated; Washer/Dryer Hookup; Window Treatment All; Woodwork Painted Appliances: Dishwasher; Dryer; Microwave; Refrigerator W/IceMk; Stove/Oven Gas; Washer Utilities: Electric; Public Sewer Energy: AC - Central Elect Bedroom: First Full Bathroom: First Rooms: Bedroom; Full Bathroom; Great Room Financing: Conventional; FHA; VA

Room Information

Great Room Level: First Dimensions: 20 x 10 Length: 20.00 Width: 10.00 Dimensions: 20 x 10 Full Bathroom Level: First Dimensions: 8 x 8 Length: 8.00 Width: 8.00 Dimensions: 8 x 8 Bedroom Level: First Dimensions: 10 x 10 Length: 10.00 Width: 10.00 Dimensions: 10 x 10 Bedroom Level: First Dimensions: 10 x 10 Length: 10.00 Width: 10.00 Dimensions: 10 x 10

Listing Office: Compass

Last Updated: June - 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.