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108 Pentecost Way #108, Fort Walton Beach, FL, 32547

4beds
3baths
1,726sqft
$344,000
$199price/sqft
$2,264/moest. monthly cost
$90,560/yrincome needed

About This Home

This beautifully maintained, nearly new 4-bedroom, 2.5-bath townhome offers the perfect blend of space, style, and convenience. Built just two years ago and cared for by its original owner, the home features a bright, open-concept layout with a spacious kitchen, living, and dining area--ideal for both everyday living and entertaining. Downstairs showcases durable luxury vinyl plank flooring and includes a convenient half bath, while upstairs you'll find four generously sized bedrooms and two full baths, with one bedroom offering flexibility as a home office or playroom. The upstairs laundry room adds everyday ease, and the private yard provides a great outdoor retreat. Ideally located close to schools, shopping, the hospital, and the beautiful local beaches, this townhome is a fantastic opportunity for a first-time buyer or a growing family looking for comfort and convenience in a move-in ready home.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

4/10
Wright Elementary SchoolGrades PK-50.6 mi
5/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2024

Materials

  • Roof: Shingle
  • Construction materials: Frame,Siding Brick Some,Siding CmntFbrHrdBrd

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Microwave,Electric Water Heater

Bedroom

  • Level: Second
  • Area: 129.25
  • Dimensions: 11.75 x 11

Bedroom

  • Level: Second
  • Area: 129.25
  • Dimensions: 11.75 x 11

Bedroom

  • Level: Second
  • Area: 89.5611
  • Dimensions: 10.33 x 8.67

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Breakfast Bar,Recessed Lighting
  • Window features: Double Pane Windows
  • Flooring: Vinyl,Carpet

Heating & Cooling

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

Interior Area

  • Total structure area: 1,726
  • Total interior livable area: 1,726 sqft

Kitchen

  • Level: First
  • Area: 118.322
  • Dimensions: 8.83 x 13.4

Laundry

  • Level: Second
  • Area: 22.4
  • Dimensions: 5.6 x 4

Living Room

  • Level: First
  • Area: 309.12
  • Dimensions: 14 x 22.08

Master Bedroom

  • Level: Second
  • Area: 221.1
  • Dimensions: 16.5 x 13.4

Property

Details

  • Parcel number: 022S241100000B0050
  • Zoning description: Resid Multi-Family

Features

  • Stories: 1
  • Patio & porch: Porch
  • Exterior features: Lawn Pump,Sprinkler System
  • Fencing: Partial,Privacy

Parking

  • Total spaces: 1
  • Parking features: Garage Door Opener
  • 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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
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 $1,739$20,868
Home Insurance *$159$1,908
Property Taxes $169$2,028
Electricity $197$2,366
Total$2,264$27,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,622/yr
40% on housing$67,920/yr
45% on housing$60,373/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

$199This listing

vs Other Active Listings

Avg $/sqft

ZIP 32547$187
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
2026-05-13Price change$349,900
2026-04-23Listed for sale$354,000

For Sale by Agent

AgentTeresa K Pattison
BrokerageColdwell Banker Realty

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