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229 Carmel Dr Unit 1, Fort Walton Beach, FL, 32547

1beds
2baths
808sqft
$195,000
$241price/sqft
$1,470/moest. monthly cost
$58,800/yrincome needed

About This Home

Don't miss this beautifully remodeled 1-bedroom, 1.5-bath townhome in the heart of Fort Walton Beach. The spacious main level offers an inviting living area along with both front and rear patios, perfect for enjoying the Florida lifestyle. Upstairs, you'll find a loft-style bedroom featuring a full bathroom, walk-in closet, convenient laundry area with a stackable washer and dryer, and an updated private balcony--an ideal spot to relax and unwind. Residents can enjoy the community pool and lush courtyard surroundings. Recent upgrades( a couple years ago) include new flooring, updated kitchen finishes, bathroom vanities, a water heater(2022), and all new stainless steel appliances, roof was installed in 2023.

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

4/10
Wright Elementary SchoolGrades PK-50.8 mi
5/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1982

Materials

  • Construction materials: Concrete,Brick,Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

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

Bedroom

  • Level: Second
  • Area: 128
  • Dimensions: 16 x 8

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air

Features

  • Flooring: Vinyl

Interior Area

  • Total structure area: 808
  • Total interior livable area: 808 sqft

Kitchen

  • Level: First
  • Area: 96
  • Dimensions: 12 x 8

Living Room

  • Level: First
  • Area: 216
  • Dimensions: 12 x 18

Property

Details

  • Parcel number: 032S24102500000010
  • Zoning description: City

Features

  • Stories: 2

Lot

  • Lot size: 435.60 sqft

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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
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 $986$11,832
Home Insurance *$90$1,080
Property Taxes $197$2,364
Electricity $197$2,366
Total$1,470$17,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,400/yr
40% on housing$44,100/yr
45% on housing$39,200/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

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 32547$189
Okaloosa County$263

vs Homes Sold Last Month

Median $/sqft

ZIP 32547$216
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
2026-08-01Price change$195,000
2026-06-09Listed for sale$215,000
2023-03-13Listing removed--
2023-02-28Sold$199,900
2023-02-04Pending sale$199,900
2023-02-02Price change$1,695
2023-02-02Listed for sale$199,900
2023-01-19Price change$1,700
2022-12-28Listed for rent$1,850
2022-09-15Sold$153,000
2022-08-15Pending sale$149,500
2022-08-12Listed for sale$149,500
2021-05-13Listing removed--
2021-03-21Listed for sale$130,000
2018-08-11Listing removed$925
2018-07-31Listed for rent$925
2017-07-18Listing removed$895
2017-07-12Listed for rent$895
2017-05-15Listing removed$800
2017-03-23Listed for rent$800
2015-11-21Listing removed$800
2015-11-04Listed for rent$800
2005-11-10Sold$122,000
2003-06-04Sold$52,000

For Sale by Agent

AgentYuliya Grabko
BrokerageRealty ONE Group Emerald Coast

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