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Harrison Lilly

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

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676 Santa Rosa Boulevard 4no , Fort Walton Beach, FL 32548
$989,200
Est. Payment: $5,017.04/mo
3 Bed
3 Bath
1629 Sqft
Status: active | Days on site: 64
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to one of the rare opportunities at Island Echos, a beautifully maintained fourth-floor beachfront condominium featuring THREE true full-sized bedrooms, a highly sought-after layout that is rarely available along the Gulf Coast. Perfectly positioned directly on the Gulf, you'll fall asleep to the soothing sound of the waves and wake up just steps away from the sugar-white sands and emerald turquoise waters. From the moment you walk inside, natural light pours throughout the residence while breathtaking water views immediately capture your attention. The oversized balcony offers the perfect setting for morning coffee, sunset dinners, or simply relaxing while overlooking the Gulf. Even the spacious primary suite enjoys direct water views, creating a peaceful retreat you'll never want to leave. The kitchen has been meticulously maintained and thoughtfully designed with an abundance of cabinetry, granite countertops, and open sightlines that allow you to enjoy the stunning Gulf views while cooking, entertaining, or spending time with family and friends. The spacious open-concept layout makes the condo feel welcoming, airy, and ideal for both full-time living and vacation enjoyment. One of the standout features that truly sets this unit apart is the private in-unit washer and dryer conveniently located in the hallway closet area -- and both convey with the purchase. Many other units within the community rely on shared community laundry facilities, making this a rare and highly desirable convenience for owners and guests alike. Residents and guests of Island Echos enjoy gated access, a community pool, fitness center, elevator access, and one of the most desirable stretches of beach along the Emerald Coast. Whether you're searching for a primary residence, second home, or income-producing investment property, this condominium offers exceptional flexibility with short-term rentals allowed. Even better, future vacation bookings can transfer to the new owner at closing, allowing you to start generating passive income immediately from day one. Due to the high demand and strong rental history, showings will be limited as this vacation rental is frequently fully booked. Experience firsthand why this remarkable Gulf-front condo stands out from the rest.

Highlights

Listed by Jessica N Drew , 850-776-7777 Keller Williams Realty Navarre , 850-515-0250. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1974

County

Okaloosa

Area

12 - Fort Walton Beach

Neighborhood

Island Echo Condo

Listing ID

1003651

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Fireplace

Exterior Features

Lot:Gulf,Gulf/Pass
Others:
  • Additional:Balcony, Tennis Court
Sewer:Public Sewer
Principal Interest
$5,017
Taxes
$776
HOA
$0

Home Price

$989,200

Loan Details

30 yrs
6.529%

Down Payment

20%
$197,840
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:
$5,017.04

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,017.04 $776.06 $0.00 $5,793.10
Yearly $60,204.43 $9,312.72 $0.00 $69,517.15
Total $1,806,132.87 $279,381.60 $0.00 $2,085,514.47

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: 2026-08-20T07:16:22.000Z

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