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Harrison Lilly Team

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

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313 NE Gardner Dr , Fort Walton Beach, FL 32548
$399,900
Est. Payment: $2,209.39/mo
4 Bed
2 Bath
1719 Sqft
0.28 Acres
Status: Active | Days on site: 108
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EMAX - E4479
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

Rare opportunity in Elliott Point! GENERATING $43,000 NET RENTAL INCOME IN 2025, this fully furnished Home is perfectly positioned near the bay, boat launch, dining & downtown FWB offering an exceptional opportunity as an Investment property, 2nd HOME WHICH OFFSETS COSTS/ PAYS FOR ITSELF, or Primary Home. Inside, you'll find a spacious open floor plan w/large living area, separate dining rm & split-BR design w/a private primary suite tucked away from the other BR's. he beautiful NEW primary bathroom features a large walk-in shower, & dual vanities, & a large walk-in closet w/stylish barn doors accents the primary suite. A 2nd NEW bathroom serves the add'l BR's. The NEW large eating bar takes center stage in the renovate kitchen & will be the gathering place for everyone! Need extra space? A bonus room w/closet & laundry area offers flexibility as an office, gym, bunk room, or hobby space. The backyard is designed for the Fl. lifestyle. Enjoy morning coffee on your tiled screened porch, gather friends around the fire pit & entertain w/ease on the expansive patio w/both outdoor dining & lounging areas. Surrounded by mature foliage & natural views, the oversized fenced yard provides a private retreat rarely found this close to downtown & the bay. A 2019 roof, 2018 HVAC, 2022 HWH & new sprinkler system add peace of mind & insurance savings. Whether you're looking for a successful vacation rental, weekend getaway near the bay WHICH PAYS FOR ITSELF, or a place to call home, this Elliott Point Home offers location, lifestyle & value all in one package
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Highlights

Listed by Karen K Martineau , 850-499-6930 RE/MAX Coastal Properties , 850-837-9900. Emerald Coast Multiple Listing Services

Property Type

Residential
Lot/Acreage
0.28

Year Built

1975

County

Okaloosa

Area

12 - Fort Walton Beach

 Neighborhood

Elliotts Point 4Th Addn

Listing ID

1005567

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Range Hood, Refrigerator, Stove/Oven Electric, Washer, Water Heater - Gas
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Terrazo,Floor Tile
Other:
  • ▪ Additional:Owner's Closet, Washer/Dryer Hookup

Exterior Features

Lot:Level,Storm Sewer,Within 1/2 Mile to Water,Wooded
Lot Dimensions:75 X 163 X 75 X 158
Zoning:Resid Single Family
Others:
  • ▪ Additional:Fenced Back Yard, Sprinkler System, Yard Building, Patio Open, Porch Open, Porch Screened
Sewer:Public Sewer
Parking Features:Carport,Carport Attached
Principal Interest
$2,209
Taxes
$255

Home Price

$399,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$79,980
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:
$2,209.39

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,209.39 $254.94 $0.00 $2,464.33
Yearly $26,512.68 $3,059.24 $0.00 $29,571.91
Total $795,380.36 $91,777.05 $0.00 $887,157.41

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: 2026-10-07T06:31:40.000Z

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