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Harrison Lilly

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

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909 Santa Rosa Boulevard Unit 346 , Fort Walton Beach, FL 32548
$498,000
Est. Payment: $2,525.76/mo
2 Bed
2 Bath
1035 Sqft
Status: pending | Days on site: 11
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Gulf Front 4th floor unit in the highly coveted building #3 at El Matador! Well maintaned & nicely decorated 2-bedroom, 2-bathroom condo with beautiful gulf views and directly overlooking the gulf front pool. Offered fully furnished and completely rental-ready, this turnkey property generated $42,477 in 2025 rental income - even with heavy owner usage. Located on the quiet western end of Okaloosa Island, the El Matador Complex spans over 12 acres directly on the Gulf. Owners and guests enjoy unmatched resort amenities including: Direct beach access, Two swimming pools (one seasonally heated), Relaxing indoor whirlpool & sauna, Tennis & pickleball courts, Basketball court & fitness center, and 24-hour gated security for peace of mind. Great for use as an investment property, a vacation home, or a permanent residence.
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Highlights

Listed by Dave Talbert , 850-585-0840 First Gulf Realty LLC , 850-585-0840. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1971

County

Okaloosa

Area

12 - Fort Walton Beach

 Neighborhood

El Matador Condo

Listing ID

1007204

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Disposal, Microwave, Refrigerator W/IceMk, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • ▪ Additional:Breakfast Bar

Exterior Features

Lot:Gulf
Others:
  • ▪ Additional:Balcony
Sewer:Public Sewer
Principal Interest
$2,526
Taxes
$401
HOA
$0

Home Price

$498,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$99,600
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:
$2,525.76

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,525.76 $400.87 $0.00 $2,926.63
Yearly $30,309.14 $4,810.47 $0.00 $35,119.61
Total $909,274.33 $144,314.10 $0.00 $1,053,588.43

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:32:47.000Z

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