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Harrison Lilly

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

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862 Scallop Ct Unit 205 , Fort Walton Beach, FL 32548
$409,000
Est. Payment: $2,074.37/mo
1 Bed
2 Bath
765 Sqft
Status: active | Days on site: 18
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Wake Up to the Gulf. Fall Asleep to the Sound of the Waves. Beachfront Living. Proven Rental Income. Endless Sunsets. Have you been dreaming of owning a Gulf-front condo on Florida's breathtaking Emerald Coast without paying luxury high-rise prices? Welcome to Island Sands 205, where every day begins with spectacular views of sugar-white beaches and emerald-green waters stretching as far as the eye can see. Perfectly positioned on the second floor, this beautifully maintained beachfront condominium offers one of the most desirable locations in the building--high enough to capture incredible panoramic Gulf views while allowing easy access with just one short flight of stairs. No waiting on crowded elevators. No long walks from the parking garage. Just effortless beachfront living.From the moment you step inside, your eyes are immediately drawn to the sparkling Gulf beyond. Imagine sipping your morning coffee on your private balcony as dolphins swim offshore and gentle waves roll onto one of Florida's widest, most beautiful beaches. Spend your afternoons relaxing by the pool, walking the shoreline collecting seashells, fishing in the emerald waters, or simply enjoying the peaceful rhythm of coastal life. As evening falls, experience breathtaking sunsets that transform the sky into shades of orange, pink, and gold--right from your own beachfront retreat. Whether you're looking for a vacation home, full-time residence, or an investment property, Island Sands 205 offers the best of all worlds. A Proven Investment Not only is this condo a beautiful place to escape, it also comes with a proven history of consistent vacation rental income, making it an outstanding opportunity for investors seeking both personal enjoyment and financial return. A Rare Low-Density Gulf-Front Community Unlike the large resort-style complexes filled with hundreds of units, Island Sands consists of only 27 Gulf-front residences, creating a peaceful, uncrowded atmosphere that guests and owners return to year after year. Forget:  Waiting for elevators  Fighting for parking  Overcrowded beaches Instead, enjoy:  Parking just steps from your front door  Easy second-floor access  Quiet beaches with plenty of room to relax  A true coastal retreat Community Amenities You'll Love Direct access to the sugar-white beaches of Okaloosa Island Gulf-front swimming pool Outdoor grilling area for family gatherings Beautifully maintained grounds Low-density community with only 27 units Move-In Ready & Worry-Free This meticulously maintained condo is ready for you to enjoy from day one. Even better, major community improvements have already been completed and paid for, giving buyers added confidence and long-term value. The Perfect Emerald Coast Location Ideally situated on Okaloosa Island, you'll enjoy easy access to everything the Emerald Coast has to offer while still experiencing the quiet, relaxed atmosphere that makes this area so special. Just minutes from: Outstanding waterfront restaurants Fresh local seafood Shopping and entertainment The Okaloosa Island Boardwalk Destin Harbor Fishing charters Golf courses Watersports and boating Family attractions Eglin Air Force Base Hurlburt Field Whether you're seeking peaceful mornings by the Gulf, unforgettable family vacations, or a high-performing vacation rental, Island Sands 205 delivers a lifestyle few properties can match. This is more than a condominium. It's your front-row seat to the Emerald Coast. Wake up to breathtaking Gulf views. Walk barefoot on sugar-white sand. Watch dolphins from your balcony. Enjoy unforgettable sunsets every evening. Create memories that will last a lifetime. Beachfront opportunities like this--especially in an intimate Gulf-front community with proven rental income--don't come along often. Schedule your private showing today and discover why Island Sands 205 is one of Okaloosa Island's best-kept beachfront treasures. Your Gulf-front paradise is waiting.

Highlights

Listed by Celia Pardue , 850-499-8220 EXP Realty LLC , 888-883-8509. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1983

County

Okaloosa

Area

12 - Fort Walton Beach

Neighborhood

Island Sands Condo

Listing ID

1009022

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:2
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet New
Other:
  • Additional:Breakfast Bar, Owner's Closet, Washer/Dryer Hookup

Exterior Features

Lot:Gulf
Others:
  • Additional:BBQ Pit/Grill, Patio Covered
Sewer:Public Sewer
Principal Interest
$2,074
Taxes
$315
HOA
$0

Home Price

$409,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$81,800
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:
$2,074.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,074.37 $315.49 $0.00 $2,389.86
Yearly $24,892.45 $3,785.84 $0.00 $28,678.29
Total $746,773.50 $113,575.20 $0.00 $860,348.70

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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