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770 Sundial Ct Unit 412, Fort Walton Beach, FL, 32548

2beds
2baths
1,200sqft
$545,000
$454price/sqft
$3,897/moest. monthly cost
$155,880/yrincome needed

About This Home

Welcome to your beachfront oasis on Okaloosa Island! This stunning 2-bedroom, 2-bathroom condo offers 1,200 square feet of coastal charm, just steps from the sugar-white sands of Fort Walton Beach. Perfectly situated minutes from the Boardwalk at Okaloosa Island, you’ll enjoy easy access to waterfront dining, shopping, and entertainment. Step inside to find an open and airy layout designed for comfort and relaxation. The beautifully updated master bathroom feels like a private spa, featuring modern finishes and luxurious details. The spacious master suite provides a tranquil retreat, while the second bedroom is perfect for guests or a home office. But the true highlight? Breathtaking views of the Gulf of Mexico right from your private patio. Sip your morning coffee as the waves roll in or unwind in the evening with a sunset backdrop like no other. Whether you're looking for a vacation home, investment property, or a full-time residence, this condo delivers the ultimate Florida lifestyle. With its unbeatable location and upscale upgrades, this is your chance to own a slice of paradise. Don’t miss out—schedule your showing today and experience the best of Okaloosa Island living! HVAC is (2021) Hot water heater is (2024) This building has went through many improvements ensuring this will be a sound building for quite some time!

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1975

Materials

  • Foundation: Off Grade
  • Roof: Flat
  • Construction materials: Concrete

Type & Style

  • Home type: Condo
  • Architectural style: A-Frame
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Electric Water Heater,Dishwasher,Microwave,Refrigerator

Bedroom

  • Level: First
  • Area: 143

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 143

Features

  • Ceiling Fan(s)
  • Window features: Blinds,Drapes
  • Flooring: Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 1,200
  • Total interior livable area: 1,200 sqft

Living Room

  • Level: First
  • Area: 180

Master Bedroom

  • Level: First
  • Area: 169

Property

Details

  • Parcel number: 002s24128000000412
  • Zoning description: Res Single

Features

  • Levels: 4 to 7 Story
  • Private pool: Yes
  • Pool features: In Ground
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Gulf,Sound,Water
  • Has water view: Yes
  • Water view: Gulf, Sound, Water

Lot

  • Features: Central Access

Parking

  • Parking features: Guest,Parking Lot

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 $2,755$33,060
Home Insurance *$256$3,072
Property Taxes $689$8,268
Electricity $197$2,366
Total$3,897$46,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$133,611/yr
40% on housing$116,910/yr
45% on housing$103,920/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

$454This listing

vs Other Active Listings

Avg $/sqft

ZIP 32548$258
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)

No zestimate history available

Price History

DateEventPrice
2026-01-29Price change$545,000
2025-08-16Listed for sale$560,000
2025-07-12Listing removed$570,000
2025-06-18Price change$570,000
2025-04-23Price change$574,000
2025-02-14Listed for sale$589,000
2023-12-08Sold$544,000
2023-10-13Pending sale$565,000
2023-09-18Listed for sale$565,000
2023-09-17Pending sale$565,000
2023-07-26Price change$565,000
2023-07-07Price change$570,000
2023-06-23Listed for sale$600,000
2012-07-03Sold$158,200
2012-06-01Listed for sale$199,500
2012-03-17Listing removed$169,900
2011-11-18Price change$169,900
2011-10-16Price change$180,000
2011-06-23Price change$199,500
2010-11-12Price change$244,500
2009-09-26Price change$264,000
2009-08-20Price change$264,900
2009-08-08Listed for sale$284,500
1988-12-01Sold$73,100

For Sale by Agent

AgentNicole Spognardi
BrokerageKuhn Realty

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