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3.99% VA assumable loan available for qualified Veterans! This beautifully maintained 3-bedroom, 2-bathroom home offers approximately 1,842 square feet and is located in the desirable Harstvedt Plantation community. Featuring a sought-after split floor plan and numerous thoughtful upgrades throughout, this home blends comfort, functionality, and style.

Interior highlights include engineered hardwood flooring, granite countertops, stainless steel appliances, upgraded cabinetry, crown molding, and a spacious primary suite. The primary bathroom has been tastefully renovated with updated flooring, a beautifully tiled walk-in shower with rain head, and a freestanding soaking tub that creates a true retreat feel. Additional improvements include updated lighting, custom shelving and storage in the laundry room, a custom-designed primary closet, added garage cabinetry, a new roof (2024), impact windows (2022), and HVAC system (2023).

The living area has also been enhanced with a newly added electric fireplace and mantle, creating a warm and inviting focal point. Step outside to enjoy the fenced backyard designed for relaxing and entertaining, complete with pavers, a pergola, outdoor fireplace, and raised garden area.

Harstvedt Plantation is a well-established community with a low HOA fee and is located in an X flood zone, meaning flood insurance is not currently required. Conveniently situated within walking distance to to the bay and just minutes from Pilcher Park and the Cessna Landing boat ramps, this location also provides easy access to the shopping, dining, and entertainment of 30A and South Walton.

Schedule your private showing today and experience everything this exceptional property has to offer.

Santa Rosa Beach

119 Gustaf Drive

3 Beds

2 Baths

1,842 Sq.Ft.

$470,000

MLS#: 1004188

MOVE IN READY! $500 off first months rent.

Home backing up to a serene community pond, offering an open and bright interior with vaulted ceilings and durable LVP flooring throughout. The layout provides four spacious bedrooms and three full baths, all filled with abundant natural light.
The established neighborhood delivers an exceptional amenity package including five pickleball courts, a tennis court, a basketball court, an enclosed community pool with outdoor showers, a playground, picnic areas, and a large grassy commons. Sidewalks throughout the community make evening strolls easy, and Food Truck Friday takes place every second Friday of the month.
Located just 20 minutes from Pensacola and 30 minutes from the white sands of Navarre Beach -- an ideal location for commuters and coastal enthusiasts alike.

Deposit-free living available to qualified applicants through Obligo.

$2,600/month | Apply at myspenceproperties.com | 850-826-8005

Milton

8959 Eureka Street

4 Beds

3 Baths

2,187 Sq.Ft.

$2,600

MLS#: 1004280

#1004239

Niceville

46 Winfield Street

3 Beds

2 Baths

1,407 Sq.Ft.

$385,000

MLS#: 1004239

Welcome to 'Stillwater Escape' in the heart of Watersound Origins, an exceptional opportunity to own the BEST value for size & price currently available within Origins. Qualified buyers may have the opportunity to assume the seller's VA loan at an attractive 5.00% interest rate (subject to VA and lender approval), offering a rare financing opportunity in today's market. Built by renowned Huff Homes & showcasing the popular Ficus floor plan, this beautiful 4BR, 3.5BA single-level residence offers 2,629 sqft of wonderfully designed living, ideal for both full-time residents & those seeking a 2nd-home retreat. Lightly used as a 2nd home, these original owners present an exceptionally well-kept home featuring a spacious open-concept living room, fantastic kitchen, generous guest accommodations, & a 31x11 screened rear porch. Enjoy a peaceful rear buffer of pine trees, creating a relaxing, private backdrop for morning coffee & quiet evenings. Located just a 1-minute golf cart ride to the Village Commons amenities center featuring a resort-style pool, fitness center, complimentary golf, pickleball, tennis courts, & community gatherings. A neighborhood park is only steps away, creating the perfect setting for kids & Fido. Continue on miles of walking, jogging & bike trails extending to scenic 30A. Origins Town Center offers Publix, Starbucks, restaurants, wellness, & retail, while one of the area's largest public beach accesses is just minutes away.

Inlet Beach

90 Basal Street

4 Beds

3 Baths

2,629 Sq.Ft.

$1,095,000

MLS#: 1004218

Tucked away on a quiet cul-de-sac and conveniently located between Eglin Air Force Base and Hurlburt Field, this spacious home is packed with upgrades, functionality, and Florida lifestyle features buyers are looking for.

Inside, you'll find multiple living spaces, great natural light, and a flexible floor plan that offers room for everyone. The kitchen features Corian countertops, updated appliances, and plenty of prep and storage space. The family room is warm and inviting with a natural gas fireplace, while the adjacent renovated full bathroom creates the perfect setup for a downstairs guest suite or potential primary retreat.

Step outside and your backyard becomes the real showstopper. Enjoy your private saltwater Gunite pool and hot tub, covered patio, natural gas BBQ hookup, fully fenced yard, and Wi-Fi enabled sprinkler system designed to keep maintenance simple. Security cameras and exterior outlets on all four corners add extra convenience and peace of mind.

Additional updates and features include a newer heat pump (2022), roof replacement in 2013, windows with lifetime warranty and 3M film protection, skylight for added natural light upstairs, and a fully insulated heated and cooled garage that's ideal for a gym, workshop, hobby space, or extra storage.

This home blends comfort, practicality, and outdoor entertaining all in one central location close to shopping, dining, schools, and the Emerald Coast's beautiful beaches.

Fort Walton Beach

6 Krivik Court

4 Beds

3 Baths

2,047 Sq.Ft.

$534,500

MLS#: 1003627

Build your dream home or investment property on this oversized 0.412-acre lot in the growing community of Sunny Hills. Ideal for builders, developers, or buyers seeking extra space and privacy, this generously sized homesite offers room for a large yard and comfortable distance from neighboring properties.

Sunny Hills combines peaceful country living with outstanding amenities, including a popular golf course and clubhouse, all with low HOA fees. Residents enjoy access to multiple spring-fed lakes with white sandy beaches perfect for swimming, boating, and fishing. Conveniently located approximately 45 minutes from Panama City Beach, you'll have easy access to beaches, dining, shopping, entertainment, and the airport while still enjoying the tranquility of Northwest Florida living.

Water and electric are available at the front of the property according to county records. Don't miss this opportunity to own a prime homesite in one of the Florida Panhandle's fastest-growing communities.

Chipley

Lot 2 Concord Boulevard

None Beds

None Baths

0.41 acres

$17,000

MLS#: 1004091

Charming and spacious 3-bedroom, 1-bath single-family rental offering approximately 1,400 square feet of comfortable living space! This home features a welcoming screened front porch--perfect for relaxing with your morning coffee or unwinding in the evenings. Situated on a large lot, there's plenty of outdoor space to enjoy. Inside, you'll find a functional layout with generous room sizes and cozy charm throughout. Conveniently located and move-in ready. Small pets will be considered with owner approval. Don't miss this opportunity to enjoy peaceful living with extra outdoor space! Limited Service, Contact owner directly for showings and applications- 850-791-2380.

Laurel Hill

3830 3rd Avenue

3 Beds

1 Baths

1,418 Sq.Ft.

$1,000

MLS#: 1004088

Panama City

719 S Berthe Avenue 17

2 Beds

1 Baths

910 Sq.Ft.

$1,175

MLS#: 1004112

Charming, inviting home offers warmth, character, and an unbeatable location just minutes from the West Gate of Eglin AFB, shopping, dining, and local schools. Nestled on a spacious lot with mature shade trees and lush landscaping, this property combines timeless charm with everyday comfort.

Inside, you'll find real hardwood floors that add warmth and elegance. The spacious living and dining areas create a welcoming atmosphere perfect for relaxing or entertaining. The cheerful, eat-in kitchen features abundant cabinet and counter space, a center island, and a functional layout ideal for cooking and gathering. The home offers a comfortable primary suite complete with its own private bath and walk-in closet, while two additional bedrooms and a second full bath provide plenty of space for family, guests, or even a home office setup. The home also includes the convenience of an inside laundry area.

Step outside to enjoy the covered front porch or unwind on the back porch overlooking the huge privacy-fenced backyard -- perfect for outdoor entertaining or simply enjoying the peaceful surroundings.

Additional features include a one-car garage and a long circular driveway with ample parking space. This charming home offers comfort, space, and convenience all in one fantastic location.

Pets may be considered on a case-by-case basis with prior owner approval and a non-refundable pet fee. This is a non-smoking property, and vaping is also prohibited, ensuring a clean and comfortable living environment for all residents.

Shalimar

12 Plew Avenue

3 Beds

2 Baths

1,382 Sq.Ft.

$1,700

MLS#: 1004179

Mary Esther

17 Azalea Drive

3 Beds

2 Baths

1,401 Sq.Ft.

$295,000

MLS#: 1000190

#1000177

Florala

21248 Seminole Street

3 Beds

1 Baths

2,176 Sq.Ft.

$139,900

MLS#: 1000177

Crestview

4724 Connor Drive

3 Beds

2 Baths

1,106 Sq.Ft.

$1,600

MLS#: 1004147

Welcome to Emerald Lakes and your newest REO real estate opportunity. This large 2 story homes rests in the popular gated community of Emerald Lakes and is centrally located so that Destin Commons, Gulf of America Beach Access, and even the Outlet mall is just a few miles away. This all stucco exterior home was built in 2003 and is mostly original. With 3 bedrooms and 2 and 1/2 baths, this 2500+ square foot home has 2 car garage, huge great room are with 2 story tall ceilings, and master suite on the first floor. Upstairs next to the large loft that overlooks the great room you will find the remaining 2 bedrooms and a full bath. This home has screams opportunity so call today!

Destin

317 Tequesta Drive

3 Beds

2 Baths

2,508 Sq.Ft.

$569,900

MLS#: 1004086

*Seller to Accommodate Remaining Special Assessment w/Acceptable Offer*

There's something special about ending each day with a coastal breeze, peaceful sunset views over Eastern Lake, and views of the Gulf from your private balcony. At Beachside Villas 131, that experience becomes part of everyday life.

Turnkey and rental-ready, this beautifully updated top-floor 3-bedroom, 2-bath condo offers an exceptional opportunity to own a coastal retreat in the heart of Seagrove Beach along Scenic Highway 30A. Whether you're searching for a second home, a vacation getaway, or an income-producing investment, this property is designed to deliver the beach lifestyle buyers dream about.

Inside, the spacious floor plan creates an inviting space for gathering with family and friends after a day on the water. The open living area flows seamlessly to the private balcony, while the thoughtfully updated finishes, in-unit washer and dryer, and comfortable accommodations make every stay effortless. Being offered fully furnished, this condo is truly turnkey and ready to enjoy or begin generating rental income from day one.

Spend your mornings with coffee overlooking Eastern Lake, your afternoons on the sugar-white sands and emerald waters of the Gulf, and your evenings exploring the restaurants, boutiques, and scenic bike paths that have made 30A one of Florida's most desirable coastal destinations. Beach access is just a short stroll or seasonal shuttle ride away, making every beach day simple and convenient.

Beachside Villas is beloved for its relaxed, family-friendly atmosphere and outstanding amenities, including two community pools--one seasonally heated--lighted tennis and pickleball courts, shuffleboard, grilling areas, and beautifully maintained grounds that encourage an active coastal lifestyle.

Whether you're creating lifelong family traditions, escaping for weekends at the beach, or investing in one of 30A's most sought-after communities, Beachside Villas 131 offers far more than a place to stay. It offers a place to reconnect, unwind, and make memories that will last for generations--all while enjoying the flexibility and investment potential of a property that's ready to be enjoyed from the moment you arrive.

Santa Rosa Beach

11 Beachside Drive UNIT 131

3 Beds

2 Baths

1,028 Sq.Ft.

$685,000

MLS#: 1004125

1.1 Acres Available for Ground Lease - High Visibility Corner Lot in Panama City, FL

Address: 8605 Highway 2301, Panama City, FL 32404

Prime opportunity to lease approximately 1.1 acres of partially cleared land located on the corner of CR 2301 and Bayhead Road in Panama City. This versatile parcel offers excellent visibility and easy access just minutes from Highway 231.

Property Highlights:
• Approx. 47,916 SF (1.1 acres)
• Corner lot with road frontage
• Water, sewer, and electric available
• Previously operated as a car wash site
• AADT traffic count approximately 3,400 vehicles/day
• Graded and paved road access
• Convenient location near Panama City, Panama City Beach, and I-10

Ideal Uses:
• Equipment or contractor yard
• Mobile food or retail setup
• Storage yard
• Modular office or temporary operations
• Automotive-related use
• Small business development
• Investment hold or flexible commercial use

Location Benefits:
• Approximately 23 miles to Panama City Beach
• Approximately 34 miles to Mexico Beach
• Approximately 43 miles to I-10

Flexible lease terms available. Owner open to discussing various use types and lease structures.

Youngstown

8605 Hwy 2301

None Beds

None Baths

N/A

$1,500

MLS#: 1004104

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