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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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286 Kidd St Unit 2 , Fort Walton Beach, FL 32548
$699,000
Est. Payment: $3,861.87/mo
3 Bed
3 Bath
2078 Sqft
0.42 Acres
Status: Active | Days on site: 132
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Harrison Lilly Team
Owner/Operator

House Description

Experience the best of coastal living at Cinco Trace, waterfront townhomes designed around life on the protected waters of the bayou. Each residence includes its own deeded boat slip, placing boating, fishing, paddleboarding, and days on the water just steps from your door. Start the morning with coffee overlooking the water, cast a line from the dock in the afternoon, or step aboard your boat for an evening cruise through the bayous and beyond. The calm, protected waters offer an ideal setting for enjoying the boating lifestyle while still providing convenient access to the broader waterways of Northwest Florida. Inside, thoughtfully designed residences pair modern conveniences with timeless style, creating a seamless connection between your home and the waterfront equally suited to entertaining friends or simply enjoying the rhythm of life along the water. At Cinco Trace, waterfront living is not reserved for special occasions - It is part of everyday life, your boat waiting at the dock, the water outside your door, and the coastal lifestyle within easy reach.

Highlights

Listed by Kyle Larson , 850-822-5350 and Lowell C Larson , 850-685-9046 Southern Ventures , 850-863-3242. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

Lot/Acreage
0.42

Year Built

2026

County

Okaloosa

Area

12 - Fort Walton Beach

Neighborhood

Cinco Trace

Listing ID

1003949

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Smoke Detector, Stove/Oven Electric, Water Heater - Elect, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Laminate
Other:
  • ▪ Additional:Kitchen Island, Lighting Recessed, Newly Painted, Washer/Dryer Hookup

Exterior Features

Lot:Bulkhead/Seawall,Covenants,Easements,Restrictions,Within 1/2 Mile to Water,Bayou
Zoning:Resid Single Family
Others:
  • ▪ Additional:Boat Slip, Dock, Lawn Pump, Sprinkler System, Patio Covered, Fenced Lot-Part
Sewer:Public Sewer
Principal Interest
$3,862
Taxes
$446

Home Price

$699,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$139,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,861.87

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,861.87 $445.61 $0.00 $4,307.49
Yearly $46,342.49 $5,347.35 $0.00 $51,689.84
Total $1,390,274.75 $160,420.50 $0.00 $1,550,695.25

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Fort Walton Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T11:00:03.000Z

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