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1864 Whispering Oaks Lane, Fort Walton Beach, FL 32547

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For Sale

$410,000

5 beds • 2 baths • 1 half baths • 1,638 sqft

Estimated Payment

$ 2,390 /mo. †

6.65% APR for 30 yrs.
$3,413 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $250.31
    Price per square foot

  • 21-30 Years Old
    Age

  • Fireplace
    Fireplace

Explore this Property

Move-in ready 5-bedroom 2.5 bath home with 1638 square feet of comfortable living space and is ideally located just 6 miles from Eglin Air Force Base, 8 miles from Hurlburt Field, and 6.5 miles from the sandy shores of Okaloosa Island. Convenient amenities such as Aldi, Lowes, Kohl's, fast-food and restaurants, schools, and various shops and services are all nearby, providing easy access to everything you need. Home has brick and vinyl exterior with covered porch. Immediately walk into the tile foyer and into the spacious living room, next to the bright, large open kitchen with an eat in dinette area and white cabinetry and appliances. Kitchen has laminate countertop and a tile back splash plus a new kitchen sink faucet. Home has new blinds, light switches and new ceiling fans throughout. Down the hall is a stackable washer and dryer for easy access. Half bath with new vanity downstairs and one bedroom with a wood burning fireplace. Upstairs has the master bedroom and large walk in closet, and master bath with tub/shower combo and three additional bedrooms. The double car garage offers plenty of parking inside and four car space driveway plus a privacy fenced back yard. Don't miss out on this gem...location...location...location!
MLS# 967814

Courtesy Of Keller Williams Realty- Emerald Coast

(850) 226-6323

Property Features

  • Age
    21-30 Years Old
  • Amenities
    Porch, Patio
  • Appliances
    Dishwasher, Garbage Disposer, Microwave, Refrigerator, Washer
  • Architecture Style
    Other
  • Exterior Type
    Brick, Wood Siding
  • Fireplace
    Fireplace
  • Heating System
    Central Furnace
  • Lot Size
    0.1 Acres
  • Rooms
    Dining Room, Kitchen, Living Room, Master Bathroom

Map and Directions

Directions to 1864 Whispering Oaks Lane, Fort Walton Beach, FL 32547

Home seller CENTURY 21 Wimco Realty, Inc.

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Wimco Realty, Inc.

(850) 664-2100
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $2,106
  • Property Taxes
    $284
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $2,390

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Kenwood Elementary School

Grades PK-5 Public School

Fort Walton Beach, FL 32547 2.1 miles
15 eagle st ne

597 total students
14:1 Student teacher ratio

School Rating: B

School Details

W.c. Pryor Middle School

Grades 6-8 Public School

Fort Walton Beach, FL 32547 1.5 miles
201 racetrack rd nw

762 total students
19:1 Student teacher ratio

School Rating: B-

School Details

Choctawhatchee High School

Grades 9-12 Public School

Fort Walton Beach, FL 32547 1.6 miles
110 racetrack rd nw

1637 total students
21:1 Student teacher ratio

School Rating: C

School Details
Other Nearby Schools Distance Type Grades School Rating
Contracted Residential Services 0.5 miles Public 6-12
Lotus Learning & Arts Center 0.9 miles Private KG-11
Calvary Christian Academy & Preschool 1.4 miles Private PK-12
Wright Elementary School 1.7 miles Public PK-5 D+
Okaloosa Technical College And Choice High School 1.9 miles Public 6-12 D-
Liza Jackson Preparatory School 2.6 miles Public KG-8 A
Silver Sands-exceptional Children 2.6 miles Public PK-12
Okaloosa Academy 2.6 miles Public 4-12 F
Max Bruner Junior Middle School 2.8 miles Public 6-8 C+
Fort Walton Beach High School 3.2 miles Public 9-12 C+
Edwins Elementary School 3.3 miles Public PK-5 D+
Mary Esther Elementary School 3.4 miles Public PK-5 C+
Longwood Elementary School 3.4 miles Public PK-5 D+
Advanced Sacred Hope Academy 3.5 miles Private PK-5
Meigs Middle School 3.7 miles Public 6-8 C+
St Mary Catholic School 3.8 miles Private PK-8
Elliott Point Elementary School 3.8 miles Public PK-5 C+

Contracted Residential Services

Distance: 0.5 miles

Type Public

Grades: 6-12

Lotus Learning & Arts Center

Distance: 0.9 miles

Type Private

Grades: KG-11

Calvary Christian Academy & Preschool

Distance: 1.4 miles

Type Private

Grades: PK-12

Wright Elementary School

Distance: 1.7 miles

Type Public

Grades: PK-5

D+

Okaloosa Technical College And Choice High School

Distance: 1.9 miles

Type Public

Grades: 6-12

D-

Liza Jackson Preparatory School

Distance: 2.6 miles

Type Public

Grades: KG-8

A

Silver Sands-exceptional Children

Distance: 2.6 miles

Type Public

Grades: PK-12

Okaloosa Academy

Distance: 2.6 miles

Type Public

Grades: 4-12

F

Max Bruner Junior Middle School

Distance: 2.8 miles

Type Public

Grades: 6-8

C+

Fort Walton Beach High School

Distance: 3.2 miles

Type Public

Grades: 9-12

C+

Edwins Elementary School

Distance: 3.3 miles

Type Public

Grades: PK-5

D+

Mary Esther Elementary School

Distance: 3.4 miles

Type Public

Grades: PK-5

C+

Longwood Elementary School

Distance: 3.4 miles

Type Public

Grades: PK-5

D+

Advanced Sacred Hope Academy

Distance: 3.5 miles

Type Private

Grades: PK-5

Meigs Middle School

Distance: 3.7 miles

Type Public

Grades: 6-8

C+

St Mary Catholic School

Distance: 3.8 miles

Type Private

Grades: PK-8

Elliott Point Elementary School

Distance: 3.8 miles

Type Public

Grades: PK-5

C+

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Fort Walton Beach, FL 32547

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Fort Walton Beach, FL 32547

This community’s employment is highest in the food and administrative support industries. The area’s overall household expenses are above the national average.

91° July
Hottest Average Month
39° January
Coldest Average Month
16,555 Total Households in Area
2.9% Increase in population since the year 2010
23.5%
of households
have children
23 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Fort Walton Beach, FL 32547

Fort Walton Beach, FL 32547 has a population of 36,904 people in 16,555 households with a median age of 38.6 years old.

2.9%
Increase in population
since the year 2010
Population is Trending up
15,113
Total households as of 2010
8.2%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 38.6 years old. The smallest percentage group is 25-34 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 60%
Hispanic 17%
Black 12%
Other 8%
Asian 5%
Native American <1%
The most prevalent ethnicity is White at 60%, followed by Hispanic at 17%, Black at 12%, and Other at 8%.

Economics
for Fort Walton Beach, FL 32547

315 /sq mi
Population Density
$61,582 /yr
Median Household Income
$310,000
Median Sales Price
23 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 20.43% of the households.

Transportation to Work

  • Drive 92%
  • Work from Home 4%
  • Walk or Bike 3%
  • Public Transit 0%

Occupancy by Type

Owned 9,335 52%
Rented 7,220 40%
Vacant 1,372 8%

White vs Blue Collar Jobs







White Collar 73%
Blue Collar 27%

Family & Education Facts
for Fort Walton Beach, FL 32547

38.6 Median Age

Average Household Size

2.2
persons per
household

39.3%

Married Households

Community Population By Education

High School Graduate 25%
Some College 24%
Bachelors Degree 19%
Associates Degree 13%
Graduate Degree 9%
Some High School 9%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 25.16% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
23.5% of households have children

Weather
for Fort Walton Beach, FL 32547

The weather for this area ranges from a high of 91° F in July to a low of 39° F in January

91° July
Hottest Average Month
39° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
39°
61°
Feb
42°
64°
Mar
48°
70°
Apr
55°
78°
May
62°
85°
Jun
69°
89°
Jul
72°
91°
Aug
72°
91°
Sep
68°
87°
Oct
56°
80°
Nov
47°
70°
Dec
41°
63°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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