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895 Santa Rosa Blvd APT 206, Fort Walton Beach, FL, 32548

2beds
2baths
1,074sqft
$399,000
$372price/sqft
$2,835/moest. monthly cost
$113,400/yrincome needed

About This Home

Experience the best of the Emerald Coast at this beautifully updated two-bedroom condo at SeaCrest on Okaloosa Island. Perfectly positioned on the second floor and closer to the beach, this inviting retreat combines comfort, style, and convenience in one of the building's most desirable locations. SeaCrest underwent a major exterior renovation in 2022, featuring all-new windows, sliding glass doors, and fresh exterior paint. Inside, the condo offers an effortlessly livable floor plan with sophisticated touches throughout, including bamboo flooring, an upgraded kitchen, updated furnishings and décor, a Google Nest thermostat, a new hot water heater installed in 2022, and a new refrigerator with an ice maker added in 2025. A standout feature of this property is the deeded covered parking spa ce -- a rare and highly sought-after benefit not available with all SeaCrest units. Residents and guests also enjoy an impressive array of amenities, including a sparkling indoor/outdoor swimming pool heated during the winter months, a fitness center, a BBQ area, ample parking, and, of course, the sugar-white sands and emerald waters just steps from your door.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2000

Materials

  • Construction materials: Concrete,Stucco

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

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

Bedroom

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

Bedrooms & Bathrooms

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

Dining Area

  • Level: First
  • Area: 150
  • Dimensions: 15 x 10

Features

  • Breakfast Bar,Owner's Closet,Pantry,Shelving,Elevator
  • Window features: Window Treatments
  • Flooring: Hardwood,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 1,074
  • Total interior livable area: 1,074 sqft

Kitchen

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

Living Room

  • Level: First
  • Area: 210
  • Dimensions: 15 x 14

Master Bedroom

  • Level: First
  • Area: 180
  • Dimensions: 15 x 12

Property

Details

  • Parcel number: 002S24567800000206

Features

  • Has view: Yes
  • View description: Gulf
  • Has water view: Yes
  • Water view: Gulf

Parking

  • Total spaces: 2
  • 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
    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 $2,017$24,204
Home Insurance *$187$2,244
Property Taxes $434$5,208
Electricity $197$2,366
Total$2,835$34,020
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,200/yr
40% on housing$85,050/yr
45% on housing$75,600/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

$372This listing

vs Other Active Listings

Avg $/sqft

ZIP 32548$259
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
2026-05-27Price change$399,000
2026-05-07Listed for sale$415,000
2026-04-06Listing removed$445,000
2026-03-09Price change$445,000
2025-12-02Price change$459,000
2025-05-04Price change$474,000
2024-08-29Price change$479,900
2024-06-08Listed for sale$495,000
2024-03-01Listing removed--
2024-02-12Listed for sale$495,000
2023-12-14Listing removed--
2023-10-20Listed for sale$495,000
2023-10-18Listing removed--
2023-06-21Listed for sale$507,495
2021-09-15Sold$345,000
2021-07-15Pending sale$325,000
2021-07-12Listed for sale$325,000
2020-01-18Listing removed$1,700
2020-01-04Listed for rent$1,700
2018-04-05Sold$245,000
2018-01-20Listed for sale$259,000
2017-12-12Listing removed$259,000
2017-11-20Listed for sale$259,000
2002-09-30Sold$180,000

For Sale by Agent

AgentAt The Beach Team
BrokerageKeller Williams Realty Destin

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