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670 Nautilus Ct Unit 202, Fort Walton Beach, FL, 32548

2beds
2baths
1,091sqft
$629,000
$577price/sqft
$4,277/moest. monthly cost
$171,080/yrincome needed

About This Home

Experience elevated coastal living in this fully remodeled 2BR/2BA residence on prestigious Okaloosa Island. Situated within an exclusive boutique community of just 23 residences, this condo offers exceptional privacy, tranquility, and refined island living. The interior showcases modern finishes, sophisticated design elements, and a bright, open layout ideal for both entertaining and everyday comfort. Enjoy true peace of mind with significant building upgrades already completed, including a new roof (October 2025), new HVAC system (2023), and new water heater (2023). Previous major capital improvements have also been fully paid, including approximately $110,000 in 2021/2022 for premium upgrades such as windows, doors, and balcony enhancements, plus $28,000 for the roof replacement. Just steps from the sugar-white sands and emerald waters of the Gulf, this turnkey residence presents a rare opportunity to own a low-density luxury property in one of the Emerald Coast's most desirable island locations.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Condition

  • Property condition: Construction Complete,Renovated
  • Year built: 1999

Materials

  • Construction materials: Siding EIFS

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

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

Bedroom

  • Level: First
  • Area: 132
  • Dimensions: 12 x 11

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Recessed Lighting,Owner's Closet,Pantry,Wallpaper
  • Flooring: Laminate,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 1,091
  • Total interior livable area: 1,091 sqft

Kitchen

  • Level: First
  • Area: 180
  • Dimensions: 20 x 9

Living Room

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

Master Bathroom

  • Level: First
  • Area: 198
  • Dimensions: 18 x 11

Property

Details

  • Parcel number: 002S24499300022020
  • Special condition: Accept Backup Offers

Features

  • Exterior features: Balcony
  • Has view: Yes
  • View description: Gulf
  • Has water view: Yes
  • Water view: Gulf
  • On waterfront: Yes
  • Waterfront features: Gulf

Parking

  • Parking features: Guest,Other
  • 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 $3,180$38,160
Home Insurance *$296$3,552
Property Taxes $604$7,248
Electricity $197$2,366
Total$4,277$51,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,640/yr
40% on housing$128,310/yr
45% on housing$114,053/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

$577This listing

vs Other Active Listings

Avg $/sqft

ZIP 32548$257
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
2026-04-20Price change$660,000
2026-01-15Listed for sale$685,000
2024-02-29Sold$665,000
2024-01-10Pending sale$665,000
2024-01-06Listed for sale$665,000
2020-07-31Sold$374,000
2020-03-07Price change$374,000
2020-01-08Price change$379,000
2019-11-15Listed for sale$385,000
2005-12-06Sold$470,000
2004-08-13Sold$399,900
2001-03-02Sold$205,000

For Sale by Agent

AgentJames P Ruckel
BrokerageBerkshire Hathaway HomeServices

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