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676 Santa Rosa Blvd Unit 4NO, Fort Walton Beach, FL, 32548

3beds
3baths
1,629sqft
$989,200
$607price/sqft
$6,726/moest. monthly cost
$269,040/yrincome needed

About This Home

Welcome to one of the rare opportunities at Island Echos, a beautifully maintained fourth-floor beachfront condominium featuring THREE true full-sized bedrooms, a highly sought-after layout that is rarely available along the Gulf Coast. Perfectly positioned directly on the Gulf, you'll fall asleep to the soothing sound of the waves and wake up just steps away from the sugar-white sands and emerald turquoise waters. From the moment you walk inside, natural light pours throughout the residence while breathtaking water views immediately capture your attention. The oversized balcony offers the perfect setting for morning coffee, sunset dinners, or simply relaxing while overlooking the Gulf. Even the spacious primary suite enjoys direct water views, creating a peaceful retreat you'll never want to leave. The kitchen has been meticulously maintained and thoughtfully designed with an abundance of cabinetry, granite countertops, and open sightlines that allow you to enjoy the stunning Gulf views while cooking, entertaining, or spending time with family and friends. The spacious open-concept layout makes the condo feel welcoming, airy, and ideal for both full-time living and vacation enjoyment. One of the standout features that truly sets this unit apart is the private in-unit washer and dryer conveniently located in the hallway closet area -- and both convey with the purchase. Many other units within the community rely on shared community laundry facilities, making this a rare and highly desirable convenience for owners and guests alike. Residents and guests of Island Echos enjoy gated access, a community pool, fitness center, elevator access, and one of the most desirable stretches of beach along the Emerald Coast. Whether you're searching for a primary residence, second home, or income-producing investment property, this condominium offers exceptional flexibility with short-term rentals allowed. Even better, future vacation bookings can transfer to the new owner at closing, allowing you to start generating passive income immediately from day one. Due to the high demand and strong rental history, showings will be limited as this vacation rental is frequently fully booked. Experience firsthand why this remarkable Gulf-front condo stands out from the rest.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1974

Materials

  • Construction materials: Concrete

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Common Area

Bedroom

  • Level: First
  • Area: 138
  • Dimensions: 11.5 x 12

Bedroom

  • Level: First
  • Area: 126.5
  • Dimensions: 11 x 11.5

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Area

  • Level: First
  • Area: 141.75
  • Dimensions: 10.5 x 13.5

Features

  • Flooring: Tile
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,629
  • Total interior livable area: 1,629 sqft

Living Room

  • Level: First
  • Area: 285
  • Dimensions: 15 x 19

Master Bedroom

  • Level: First
  • Area: 294
  • Dimensions: 12 x 24.5

Property

Details

  • Parcel number: 002S24127A000004NO

Features

  • Pool features: Heated,In Ground
  • Exterior features: Balcony,Tennis Court(s)
  • Has view: Yes
  • View description: Gulf,Gulf/Pass
  • Has water view: Yes
  • Water view: Gulf,Gulf/Pass
  • Waterfront features: Gulf,Gulf/Pass

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 $5,001$60,012
Home Insurance *$465$5,580
Property Taxes $1,063$12,756
Electricity $197$2,366
Total$6,726$80,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$230,605/yr
40% on housing$201,780/yr
45% on housing$179,360/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

$607This listing

vs Other Active Listings

Avg $/sqft

ZIP 32548$254
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
2026-07-16Price change$989,200
2026-05-21Listed for sale$998,700
2024-05-09Sold$950,000
2024-03-29Pending sale$999,900
2024-02-29Listed for sale$999,900
2024-01-24Sold$885,000
2023-04-29Listing removed--
2023-03-24Listed for sale$899,999
2017-04-14Sold$515,000
2016-11-12Listed for sale$529,900

For Sale by Agent

AgentJessica N Drew
BrokerageKeller Williams Realty Navarre

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