Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

411 411-a Cobia Ave , Fort Walton Beach, FL 32548
$1,399,000
Est. Payment: $7,095.46/mo
3 Bed
3 Bath
1848 Sqft
Status: active | Days on site: 373
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

Here is the unicorn waterfront property you've been looking for! On beautiful Okaloosa Island, this 3-bedroom, 3-bath home overlooks the serene Intracoastal just across from the Landing. With 102 feet of waterfront, this property is uniquely situated to offer 180 degrees of panaromic sunrise and sunset views. The deep water dock is a boater's dream, with 4 wet slips, covered aluminum QAB boat lift system for up to 20,000 pounds, and a 200-amp electrical service. Just a short walk to the famous sugar-sand island beaches, this home has everything you're looking for in waterfront living. Golf carts welcome! The beautifully renovated interior offers an expansive kitchen and living area with high impact hurricane windows and double French doors (also hurricane rated) for plenty of natural light. Quartzite countertops, stainless steel appliances, and custom wood cabinets provide the Chef with a convenient, modern kitchen, including a 5-burner range and Bosch dishwasher. Enjoy those spectacular views without leaving the kitchen! The oversized primary suite has his and her closets and an updated bathroom with quartzite, lovely wood cabinets, hexagonal tile floors, and new light fixtures. All 3 bedrooms have gorgeous engineered hardwood flooring. Oversized garage has plenty of room for kayaks, paddleboards, and other water toys in addition to your vehicle. The third bathroom is just off the garage and is easily accessible from the living space, while also providing convenient access from outdoor activities. A hurricane-rated garage door has also been installed. With one of the longest waterfront footages on the Island, the exterior is just as lovely as the interior, with brand new landscaping and sod and a firepit overlooking the water. A fence with gated access provides extra peace of mind. The dock will accommodate your 100-foot yacht or several smaller water toys - or anything in between. A deck overlooking the water is perfect for entertaining. The striking paver system provides plenty of parking and is rated for high-weight commercial loads.

Highlights

Listed by Yvonne West , 850-974-7462 Lokation , 954-545-5583. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.27

Year Built

1974

County

Okaloosa

Area

12 - Fort Walton Beach

Neighborhood

Okaloosa Island

Listing ID

978567

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Water Heater - Gas
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Terrazo,Floor Tile
Other:
  • Additional:Lighting Recessed, Newly Painted, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Bulkhead/Seawall,Cul-De-Sac,Within 1/2 Mile to Water,Intracoastal Wtrwy,Sound
Lot Dimensions:.27
Zoning:Resid Single Family
Others:
  • Additional:Boat Slip, Boatlift, Dock, Sprinkler System, Deck Open, Fenced Lot-All
Sewer:Public Sewer
Parking Features:Boat,Oversized
Principal Interest
$7,095
Taxes
$656

Home Price

$1,399,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$279,800
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:
$7,095.46

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,095.46 $655.92 $0.00 $7,751.38
Yearly $85,145.57 $7,871.00 $0.00 $93,016.57
Total $2,554,367.05 $236,130.00 $0.00 $2,790,497.05

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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

© 2026 Emerald Coast Multiple Listing Services