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340 Bluefish Dr Unit 109, Fort Walton Beach, FL, 32548

4beds
3baths
1,872sqft
$885,000
$473price/sqft
$5,946/moest. monthly cost
$237,840/yrincome needed

About This Home

DOCUMENTS ATTACHED, Welcome to coastal living at its finest! This stunning sound-side townhome offers a private 28X12 BOAT SLIP #14 WITH A LIFT, GREAT Intracoastal Waterway Views & BOATING actvity, private community pool. a 1-car garage, and beautiful upscale finishes throughout. Ready for Vacation Rentals! SHORT WALK TO PUBLIC beaches of the Emerald Coast and just a short boat ride to Crab Island, this home is perfect for those who crave both relaxation and adventure. Step inside to discover a bright, open living area featuring soaring 14' lofted ceilings, impact-rated windows and doors and a durable metal roof. The kitchen is equipped with stainless steel appliances and granite countertops, OPEN TO the living space AND BALCONY with breathtaking views of the sound. CALL TODAY TO VIEW!!! Each residence in this exclusive community includes: A private boat slip Access to a community pool with sundeck A private dog park This unit is being sold fully furnished and is ideal as a primary residence, vacation getaway, or income-producing VACATION OR LONG-TERM rentals. Don't miss your chance to own a piece of paradise. Call today to schedule your private showing!

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

5/10
5/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2018

Materials

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

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Washer,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedroom

  • Level: First
  • Area: 114.95
  • Dimensions: 9.5 x 12.1

Bedroom

  • Level: First
  • Area: 114.95
  • Dimensions: 9.5 x 12.1

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Breakfast Bar,Vaulted Ceiling(s),Kitchen Island,Recessed Lighting,Owner's Closet,Split Bedroom
  • Window features: Double Pane Windows
  • Flooring: Laminate,Tile

Garage

  • Level: First
  • Area: 220
  • Dimensions: 22 x 10

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,872
  • Total interior livable area: 1,872 sqft

Kitchen

  • Level: Second
  • Area: 121
  • Dimensions: 11 x 11

Master Bedroom

  • Level: Second
  • Area: 179.88
  • Dimensions: 12 x 14.99

Other

  • Level: Second
  • Area: 76
  • Dimensions: 9.5 x 8

Property

Details

  • Parcel number: 002S245501000A0090
  • Zoning description: Resid Multi-Family

Features

  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground
  • Patio & porch: Covered,Patio
  • Exterior features: Balcony,Boat Slip,Boatlift,Dock
  • Has view: Yes
  • View description: Intracoastal Waterwy,Sound
  • Has water view: Yes
  • Water view: Intracoastal Waterwy,Sound
  • On waterfront: Yes
  • Waterfront features: Intracoastal Wtrwy,Sound,Waterfront,Seawall

Lot

  • Features: Covenants,Cul-De-Sac,Sidewalk

Parking

  • Total spaces: 1
  • Parking features: Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 $4,475$53,700
Home Insurance *$416$4,992
Property Taxes $858$10,296
Electricity $197$2,366
Total$5,946$71,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$203,862/yr
40% on housing$178,380/yr
45% on housing$158,560/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

$473This listing

vs Other Active Listings

Avg $/sqft

ZIP 32548$255
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
2026-01-13Price change$885,000
2025-11-23Price change$895,000
2025-11-11Price change$899,000
2025-10-16Price change$915,000
2025-07-04Price change$935,000
2025-05-05Listed for sale$945,000
2024-12-31Sold$810,000
2024-12-26Pending sale$873,600
2024-08-30Listed for sale$873,600
2022-11-02Sold$810,000
2022-09-24Pending sale$875,000
2022-08-09Price change$875,000
2022-07-03Listed for sale$899,000
2021-06-30Sold$675,000
2021-06-01Pending sale$700,000
2021-05-19Listed for sale$700,000
2021-03-10Pending sale$700,000
2021-01-29Listed for sale$700,000
2018-10-04Sold$462,600

For Sale by Agent

AgentEd & Terri Smith
BrokerageRE/MAX Coastal Properties

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