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Harrison Lilly

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

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1818 Whispering Oaks Ln , Fort Walton Beach, FL 32547
$259,500
Est. Payment: $1,316.14/mo
3 Bed
3 Bath
1450 Sqft
Status: active | Days on site: 19
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Completely refreshed and move-in ready! This beautifully updated 3-bedroom, 2.5-bath townhome offers approximately 1,450 square feet of comfortable living space in a convenient Fort Walton Beach location with no HOA. Recent renovations completed in 2025 give this home a fresh, modern feel throughout, including new flooring, fresh interior paint, new interior doors, updated toilets, new ceiling fans, refaced kitchen cabinets, new kitchen countertops, and a new dishwasher. The spacious floor plan provides comfortable living and dining areas, while the updated kitchen offers plenty of cabinet and counter space for everyday living and entertaining. Major system updates provide added peace of mind, including a roof replaced in 2021 and a water heater replaced in 2020. Conveniently located near Eglin Air Force Base, Hurlburt Field, shopping, dining, schools, and the beautiful Emerald Coast beaches, this property is ideal as a primary residence, long-term rental investment, or second home. Don't miss this opportunity to own an updated, low-maintenance townhome in the heart of Fort Walton Beach. Schedule your showing today!

Highlights

Listed by Melissa A Haworth , 469-658-2869 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.05

Year Built

1997

County

Okaloosa

Area

17 - Okaloosa

Neighborhood

[No Recorded Subdiv]

Listing ID

792930

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Upper Level Primary, Entrance Foyer

Exterior Features

Lot Dimensions:23 x 95
Zoning:Resid Multi-Family
Roof:Composition,Shingle
Principal Interest
$1,316
Taxes
$165

Home Price

$259,500

Loan Details

30 yrs
6.529%

Down Payment

20%
$51,900
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:
$1,316.14

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,316.14 $165.43 $0.00 $1,481.57
Yearly $15,793.62 $1,985.18 $0.00 $17,778.80
Total $473,808.61 $59,555.25 $0.00 $533,363.86

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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS