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Harrison Lilly

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

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214 SW Miracle Strip Parkway A102 , Fort Walton Beach, FL 32548
$189,700
Est. Payment: $962.12/mo
0 Bed
1 Bath
325 Sqft
Status: active | Days on site: 147
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Enjoy coastal living at its finest with this beautiful fully furnished first-floor waterfront studio located at Pirates Bay Condominiums overlooking the tranquil waters of the Santa Rosa Sound in Fort Walton Beach, Florida. This charming unit offers an incredible opportunity as a vacation getaway, income-producing investment, or personal waterfront retreat. Positioned second from the end of the building, the condo sits just steps from the water and provides beautiful sound views from inside the unit, the back porch and even the front door. Located directly along U.S. Route 98, Pirates Bay places you just minutes from the brilliant white sand beaches and emerald waters of Destin and Okaloosa Island, along with the dining, shopping, and entertainment of downtown Fort Walton Beach. The waterfront complex features several desirable amenities including a large in-ground pool, dock and waterfront access, an updated picnic area, and convenient kayak and bike storage for owners. Residents and guests can spend their days fishing from the dock, catching lunch or dinner from the sound, or simply relaxing while watching dolphins swim and play across the water. Laundry facilities are located on each floor for added convenience, and owners are allowed to have pets. Whether you prefer to keep this coastal escape all to yourself or share it with visitors, short-term rentals are permitted, offering excellent flexibility and investment potential. Private boat slips are also available onsite for boat owners and may even be made available to renters, adding even more appeal to this waterfront opportunity.

Highlights

Listed by Shane T Grady , 850-684-5466 and Tania Grady , 786-877-0429 Coldwell Banker Realty , 850-897-4563. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1986

County

Okaloosa

Area

12 - Fort Walton Beach

Neighborhood

Pirates Bay Ph 1

Listing ID

997760

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Microwave, Refrigerator, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile

Exterior Features

Lot:Unit Waterfront,Intracoastal Wtrwy,Sound
Others:
  • Additional:Dock, Patio Covered
Sewer:Public Sewer
Principal Interest
$962
Taxes
$178
HOA
$0

Home Price

$189,700

Loan Details

30 yrs
6.529%

Down Payment

20%
$37,940
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:
$962.12

Principal

Taxes

Principal Taxes HOA Total
Monthly $962.12 $177.93 $0.00 $1,140.05
Yearly $11,545.47 $2,135.18 $0.00 $13,680.65
Total $346,364.14 $64,055.40 $0.00 $410,419.54

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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