409 Heritage Ct, Fort Walton Beach, FL, 32547
About This Home
Beautiful Two-Story Home on a Peaceful Cul-de-Sac! This charming residence offers comfort, style, and convenience in a prime Fort Walton Beach location. MAJOR UPDATES INCLUDE: new roof (2026), new luxury vinyl plank flooring and carpet (June 2026), and new stainless-steel stove, dishwasher, and refrigerator (June 2026). The HVAC system was installed in July 2023, and the water heater replaced in 2018. The thoughtfully designed floor plan features an open-concept living, dining, and kitchen area--perfect for everyday living and entertaining. The living room boasts a cozy wood-burning fireplace, while the first-floor primary suite includes an en-suite bath and a dedicated shoe closet. The kitchen offers a bright breakfast nook for casual dining. Upstairs, you'll find additional bedrooms, a full hall bath, and a spacious loft ideal for a home office, playroom, exercise area, or flexible living space. The shaded backyard includes an inviting open patio, perfect for relaxing or hosting gatherings outdoors. Conveniently located near medical facilities, the Fort Walton Beach Golf Club, and centrally positioned between Eglin Air Force Base and Hurlburt Field's back gate, this home combines modern updates with an excellent location.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 1990
Materials
- Roof: Shingle
- Construction materials: Frame,Siding Brick Some,Vinyl Siding,Trim Vinyl
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Washer,Gas Water Heater
- Laundry features: Washer/Dryer Hookup
Bedroom
- Level: Second
- Area: 100
- Dimensions: 10 x 10
Bedroom
- Level: Second
- Area: 128.66
- Dimensions: 14 x 9.2
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: First
- Area: 217.6
- Dimensions: 16 x 13.6
Features
- Vaulted Ceiling(s),Split Bedroom,Woodwork Painted
- Window features: Skylight(s),Window Treatments
- Flooring: Tile,Vinyl,Carpet
- Fireplace features: EPA Qualified Fireplace
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 1,616
- Total interior livable area: 1,616 sqft
Kitchen
- Level: First
- Area: 141.95
- Dimensions: 16.7 x 8.5
Living Room
- Level: First
- Area: 214.88
- Dimensions: 15.8 x 13.6
Loft
- Level: Second
- Area: 106.018
- Dimensions: 12.2 x 8.7
Master Bathroom
- Level: First
- Area: 96.8
- Dimensions: 12.1 x 8
Master Bedroom
- Level: First
- Area: 156.18
- Dimensions: 13.7 x 11.4
Property
Details
- Parcel number: 331S24113A000B0120
- Zoning description: Resid Single Family
Features
- Stories: 2
- Patio & porch: Porch
- Exterior features: Private Yard,Lawn Pump,Sprinkler System
- Fencing: Partial,Privacy
Lot
- Lot size: 5,227 sqft
- Features: Cul-De-Sac,Irregular Lot
- Lot size dimensions: 28 x 85.67 x 82 x 107.87
Parking
- Total spaces: 3
- Parking features: Garage
- 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
- Lightning
- Tornado
- Cold Wave
- Heat Wave
- Inland Flooding
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Okaloosa County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,759 | $21,108 |
| Home Insurance * | $161 | $1,932 |
| Property Taxes | $351 | $4,212 |
| Electricity | $197 | $2,366 |
| Total | $2,468 | $29,616 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-23 | Price change | $347,900 |
| 2026-07-06 | Listed for sale | $350,000 |
| 2018-03-29 | Listing removed | $1,250 |
| 2018-03-20 | Listed for rent | $1,250 |
| 2017-07-25 | Listing removed | $1,250 |
| 2017-07-17 | Listed for rent | $1,250 |
| 2015-01-09 | Listing removed | $1,195 |
| 2014-11-01 | Price change | $1,195 |
| 2014-10-04 | Listed for rent | $1,200 |
| 2013-04-09 | Listing removed | $1,200 |
| 2013-04-05 | Price change | $1,200 |
| 2013-02-16 | Listed for rent | $1,295 |
| 2012-05-18 | Listing removed | $1,250 |
| 2012-05-15 | Listed for rent | $1,250 |
| 2012-04-11 | Sold | $144,000 |
| 2012-03-02 | Listed for sale | $149,900 |
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