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Harrison Lilly Team

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

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322 NW Leah Miller Dr , Fort Walton Beach, FL 32548
$340,000
Est. Payment: $1,878.45/mo
3 Bed
2 Bath
1533 Sqft
0.19 Acres
Status: Active | Days on site: 28
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Harrison Lilly Team
Owner/Operator

House Description

A Mid-Century Classic with Serious Potential in One of Fort Walton Beach's Most Desirable Locations If you love homes with character and can recognize an opportunity when you see one, this classic mid-century split-level deserves your attention. Beautifully updated, filled with personality, and situated on a lovely lot beneath mature hardwoods, this is not another cookie-cutter house- and the price reflects an opportunity for a buyer willing and able to address known environmental and airflow concerns. The welcoming main level features an open living, dining and kitchen area with abundant natural light. The beautifully remodeled kitchen keeps the design clean and timeless with white cabinetry and woodwork, gorgeous white quartz countertops, a deep farmhouse sink and stainless steel appliances. Updates include LVP flooring, interior doors and hardware, fully updated electrical wiring, and most recently, all-new modern, double-pane, hurricane-rated windows. Upstairs you'll find three bedrooms with wonderful treetop views and two full bathrooms. Downstairs may be the coolest part of the house: a large, flexible bonus space that could become a fourth bedroom, home theater, game room, gym, office or combination of uses. The laundry area is also located on this level. Outside, mature shade trees create the a wonderful backyard retreat with an open patio, separate porch and storage building. The property does have a known biological growth/mold condition, including visible growth in multiple areas of the home. The sellers previously completed remediation following a downstairs water leak. More recently, the home has been evaluated by a general contractor, HVAC airflow specialist and mold remediation professional regarding current conditions. Observations include negative-pressure/airflow concerns on the upper level, inadequate upstairs return-air circulation, insufficient insulation and outside humid air entering through penetration points, contributing to condensation and biological growth. The sellers have PCS'd and have elected to price the property to reflect its current condition rather than undertake additional remediation and building-envelope/HVAC improvements themselves. For the buyer with the resources and ability to take on the needed work, this represents an unusual opportunity to own a truly distinctive Fort Walton Beach home at a price that recognizes the work ahead. The architecture is fantastic. The major cosmetic transformation has already been done. The electrical has been updated. The windows are new. What remains is an opportunity for the next owner to address the home's environmental and airflow issues properly and complete the transformation. Bring your contractor, bring your vision, and take a serious look at the potential here. Property is being sold in its current condition with known biological growth/mold and related airflow/building-envelope concerns. Buyers are encouraged to perform all inspections and obtain independent professional evaluations appropriate to their needs.

Highlights

Listed by Dawn M Johnson , 850-729-0399 Back Stage Realty , 850-729-0399. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.19

Year Built

1964

County

Okaloosa

Area

12 - Fort Walton Beach

Neighborhood

Vesta Heights 4Th Addn

Listing ID

1010494

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Laminate
Other:
  • ▪ Additional:Breakfast Bar, Washer/Dryer Hookup

Exterior Features

Lot:Easements,Interior
Lot Dimensions:70 x 120
Zoning:City, Resid Single Family
Others:
  • ▪ Additional:Fenced Back Yard, Yard Building, Patio Open, Porch
Sewer:Public Sewer
Principal Interest
$1,878
Taxes
$258

Home Price

$340,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$68,000
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Monthly Price:
$1,878.45

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,878.45 $257.51 $0.00 $2,135.96
Yearly $22,541.41 $3,090.08 $0.00 $25,631.49
Total $676,242.37 $92,702.40 $0.00 $768,944.77

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T11:00:03.000Z

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