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$947,000

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 2,665 Sq. Ft.
  • Updated 12 days ago
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Discover coastal living at its finest in this beautifully renovated two-story beach house on Okaloosa Island, situated on a spacious 0.32-acre lot just moments from sugar-white sand and emerald waters. Designed for flexibility, entertainment, and comfort, this home offers a unique blend of upgraded interiors, modern amenities, and resort-style outdoor living. Step inside to an inviting upper level featuring a fully remodeled kitchen with a stylish tile backsplash, gleaming granite countertops, stainless steel appliances, and abundant natural light-perfect for cooking, hosting, and gathering. The open-concept living area flows seamlessly and includes a cozy gas fireplace, creating a warm, coastal-chic atmosphere year-round. Downstairs, a private lock-out apartment provides exceptional versatility. Use it as a guest suite, rental opportunity, or easily integrate it into the main home to create a luxurious full master retreat complete with its own living area and fully equipped kitchenette. Outside, your personal paradise awaits. Enjoy a beautiful new composite 560+ sq ft deck overlooking a sparkling in-ground pool and a large fenced yard which is ideal for entertaining, sunbathing, or quiet evenings under island skies. The property also includes a 2024 tankless gas water heater, ensuring efficient, endless hot water for the whole household. A new metal roof was completed in 2020, whole house rewire in 2019, and new HVACs in 2020 and 2025. Whether you're seeking a primary residence, vacation home, or high-earning investment property, this expertly renovated Okaloosa Island gem delivers style, space, and exceptional coastal charm-all on an oversized lot rarely found this close to the beach. Call today to secure your piece of paradise!

Full Property Details for 417 Cobia Ave

General

  • Price: $947,000
  • Taxes: $3,123 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 989999
  • Updated: 2/19/2026
  • Added to Site: 103 day(s) ago

Interior

  • Rooms/Areas: Bedroom, Kitchen, Laundry, Living Room, Master Bedroom
  • Interior Features: Ceiling Beamed, Fireplace Gas, Floor Hardwood, Floor Tile, Kitchen Island, Pantry, Renovated, Washer/Dryer Hookup, Window Treatmnt Some, Woodwork Painted
  • Appliances: Dishwasher, Disposal, Microwave, Refrigerator, Stove/Oven Electric

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3

Bedrooms

  • Total Bedrooms: 4

Other Rooms

  • Living Room: Living Room
  • Kitchen: Kitchen
  • 2nd Kitchen: Kitchen

Additional Information

  • Pool: Yes

Exterior

  • Exterior Features: BBQ Pit/Grill, Columns, Deck Open, Fenced Lot-All, Fenced Lot-Part, Fenced Privacy, Guest Quarters, Patio Covered, Pool - In-Ground

Location

  • Area: 12 - Fort Walton Beach
  • County: Okaloosa
  • Subdivision: Santa Rosa Island
  • Driving Directions: From Santa Rosa Blvd, take a Right on Caviar and then a Right on Cobia. Home will be on your left.

School Information

  • Elementary School: Elliott Point
  • Middle School: Bruner
  • High School: Fort Walton Beach

Heating & Cooling

  • Heating/Cooling: AC - Central Elect, Ceiling Fans, Double Pane Windows, Heat Cntrl Electric, Water Heater - Gas, Water Heater - Tnkls

Utilities

  • Utility Description: Public Sewer, Public Water, TV Cable

Structural Information

  • Architectural Style: Beach House
  • Construction: Brick, Roof Metal, Siding Vinyl, Slab
  • Stories/Levels: 2
  • Square Feet: 2,665
  • Sq. Ft. Source: Appraiser
  • Year Built: 1972

Lot Features

  • Property View: Intracoastal Waterwy
  • Lot Size (Acres): 0.32
  • Lot Dimensions: 190' x 100' x 162'
  • Street/Road Desc.: Paved Road
  • Lot Features: Level, Within 1/2 Mile to Water
  • Zoning: County, Resid Single Family

Financial Considerations

  • Tax Amount: $3,123
  • Tax Year: 2024
  • Terms: Conventional

Disclosures and Reports

  • Legal Description: SANTA ROSA ISLAND LOT 144 BLK 4
  • APN: 00-2S-24-2185-0004-0144

Listed by Compass

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— 417 Cobia Ave —

  • Compass

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 417 Cobia Ave

School District:Okaloosa County School District
NameGradesDistance
Elliott Point Elementary School
301 Hughes Street Northeast, Fort Walton Beach, FL 32548
PK-51.7 mi
Max Bruner Junior Middle School
322 Holmes Boulevard Northwest, Fort Walton Beach, FL 32548
6-82.1 mi
Fort Walton Beach High School
400 Hollywood Boulevard Southwest, Fort Walton Beach, FL 32548
9-122.1 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 417 Cobia Ave Get Price Alerts and Save Property

Date
Details
Price
Change
Source
2/18/2026
Price Reduced
$947,000
-5.02%
MLS
12/04/2025
Price Reduced
$997,000
-6.82%
MLS
11/20/2025
Listed
$1,070,000
239.68%
MLS
4/01/2019
Sold
$315,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 417 Cobia Ave

Year
Property Taxes
Change
Tax Assessment
Change
2025
$3,197
2%
$283,928
3%
2024
$3,124
3%
$275,926
3%
2023
$3,041
3%
$267,889
6%
2021
$2,944
-1%
$252,511
-3%
2022
$2,962
1%
$260,086
4%
2021
$2,944
13%
$249,025
8%
2019
$2,595
-11%
$229,789
10%
2018
$2,912
—
$208,651
3%
2017
$2,905
6%
$202,426
4%
2016
$2,746
9%
$195,531
12%
2015
$2,530
37%
$174,545
6%
2014
$1,853
6%
$164,460
5%
2013
$1,755
—
$156,105
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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NMLS#: 1598647

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Listed by Compass

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417 Cobia Avenue, Fort Walton Beach, FL 32548 (MLS# 989999) is a Single Family property with 4 bedrooms and 3 full bathrooms. 417 Cobia Avenue is currently listed for $947,000 and was received on November 20, 2025. Want to learn more about 417 Cobia Avenue? Do you have questions about finding other Single Family real estate for sale in Fort Walton Beach? You can browse all Fort Walton Beach real estate or contact a Coldwell Banker agent to request more information.

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