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738 Starfish Ave, Fort Walton Beach, FL, 32548

8beds
6baths
6,432sqft
$1,399,000
$218price/sqft
$9,884/moest. monthly cost
$395,360/yrincome needed

About This Home

This spacious Gulf-view home, located directly across from beach access, is designed with families who love the beach in mind. From the moment you step inside, you're greeted by an elegant 20-foot foyer that sets a relaxed, coastal tone for unforgettable family time at the shore. An impressive hardwood staircase, beautiful chandeliers, and warm, comfortable furnishings create an inviting atmosphere throughout the home. The large gourmet kitchen serves as the heart of the house, featuring a generous island with breakfast bar seating, granite countertops, white cabinetry, and stainless-steel appliances--perfect for cooking big family meals after a day at the beach. The first floor offers incredible flexibility for family living and entertaining, with an additional family room, a full second kitchen with a gas range, a dining area, and two guest bedrooms. These spaces can easily double as a kids' hangout, game room, or movie night retreat. Upstairs, the third floor includes another spacious family room and four additional bedrooms, giving everyone room to spread out and relax. Multiple covered decks on each level invite you to unwind together while enjoying Gulf breezes and sweeping sunset views over both the Gulf of Mexico and Santa Rosa Sound. With its generous layout, multiple gathering spaces, and unbeatable beachside location, this home is perfect for families who want to make lasting memories by the wate

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2015

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Beach House
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer
  • Laundry features: Washer/Dryer Hookup

Bathroom

  • Level: Second
  • Area: 33
  • Dimensions: 11 x 3

Bathroom

  • Level: Third
  • Area: 84
  • Dimensions: 12 x 7

Bedroom

  • Level: Second
  • Area: 195
  • Dimensions: 15 x 13

Bedroom

  • Level: Third
  • Area: 168
  • Dimensions: 14 x 12

Bedroom

  • Level: Third
  • Area: 240
  • Dimensions: 16 x 15

Bedroom

  • Level: Third
  • Area: 240
  • Dimensions: 16 x 15

Bedroom

  • Level: Third
  • Area: 156
  • Dimensions: 13 x 12

Bedroom

  • Level: First
  • Area: 180
  • Dimensions: 15 x 12

Bedroom

  • Level: First
  • Area: 156
  • Dimensions: 13 x 12

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Family Room

  • Level: Second
  • Area: 308
  • Dimensions: 28 x 11

Family Room

  • Level: First
  • Area: 468
  • Dimensions: 36 x 13

Features

  • Atrium,Breakfast Bar,Cathedral Ceiling(s),Crown Molding,In-Law Floorplan,Kitchen Island,Recessed Lighting,Pantry,Upgraded Media Wing
  • Window features: Double Pane Windows,Window Treatments
  • Flooring: Hardwood,Tile
  • Common walls with other units/homes: No Common Walls

Foyer

  • Level: Second
  • Area: 120
  • Dimensions: 12 x 10

Heating & Cooling

  • Heating features: Heat High Efficiency,Natural Gas
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 6,432
  • Total interior livable area: 6,432 sqft

Kitchen

  • Level: Second
  • Area: 297
  • Dimensions: 27 x 11

Laundry

  • Level: First
  • Area: 36
  • Dimensions: 9 x 4

Master Bathroom

  • Level: Second
  • Area: 225
  • Dimensions: 15 x 15

Master Bedroom

  • Level: Second
  • Area: 240
  • Dimensions: 16 x 15

Other

  • Level: Second
  • Dimensions: 0 x 0

Other

  • Level: Third

Other

  • Level: First

Property

Details

  • Parcel number: 002S24218500070417
  • Zoning description: Resid Single Family

Features

  • Stories: 3
  • Patio & porch: Covered
  • Exterior features: Balcony,Private Yard
  • Fencing: Full
  • Has view: Yes
  • View description: Gulf,Sound,Water
  • Has water view: Yes
  • Water view: Gulf,Sound,Water

Lot

  • Lot size: 10,018 sqft
  • Features: Interior Lot,Within 1/2 Mile to Water
  • Lot size dimensions: 70 x 145

Parking

  • Parking features: Guest,Garage
  • Has garage: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Tornado
Tsunami

FEMA Declared Disasters in Okaloosa County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $7,074$84,888
Home Insurance *$658$7,896
Property Taxes $1,505$18,060
Electricity $647$7,767
Total$9,884$118,608
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$338,880/yr
40% on housing$296,520/yr
45% on housing$263,573/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$218This listing

vs Other Active Listings

Avg $/sqft

ZIP 32548$259
Okaloosa County$262

vs Homes Sold Last Month

Median $/sqft

ZIP 32548$220
Okaloosa County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-19Listed for sale$1,500,000
2022-04-25Sold$1,220,000
2022-03-11Pending sale$1,250,000
2022-01-31Listed for sale$1,250,000
2020-12-18Sold$790,000
2020-11-19Pending sale$890,000
2018-04-10Listed for sale$890,000
2018-02-21Listing removed$949,000
2017-09-01Price change$949,000
2017-02-12Listed for sale$1,200,000
2012-12-18Sold$72,000

For Sale by Agent

AgentAshley N Belden
BrokerageColdwell Banker Realty

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