1860 Whispering Oaks Lane, Fort Walton Beach

$399,500

3 Beds
3 Baths
1,573 Sqft
.09 Acre
2 Garages

3 bedroom + a BONUS ROOM
Welcome to 1860 Whispering Oaks Lane, a beautifully updated and thoughtfully customized home in one of Fort Walton Beach's most convenient locations.
An assumable VA loan with a 5.625% interest rate presents a rare opportunity for qualified buyers. Conveniently located approximately 7 minutes from Hurlburt Field and 11 minutes from Eglin AFB, the home also offers easy access to beaches, shopping, dining, and everyday conveniences.
Recent updates include a newer roof, HVAC system, quartz countertops, luxury vinyl plank flooring, updated cabinetry, fixtures, and modern finishes throughout. Custom touches include a built-in entry storage station, custom pantry, walk-in closet system, elevated laundry platform, electric fireplace feature wall, dry bar, and extensive garage shelving.
A standout feature is the approximately 600-square-foot finished attic bonus space with its own dedicated heating and cooling system--ideal for a media room, home office, fitness area, hobby room, or additional living space.
With move-in-ready updates, exceptional storage, flexible bonus space, and a prime location, this home offers a unique combination of comfort, functionality, and value.

Essential Information
MLS® #1005485
Price$399,500
Sold Price$399,000
Date Sold$2026-09-18
Bedrooms3
Bathrooms3.00
Full Baths2
Half Baths1
Square Footage1,573
Acres0.09
Year Built1997
TypeResidential
Sub-TypeDetached Single Family
StyleTraditional
StatusSold
Community Information
Address1860 Whispering Oaks Lane
Area12 - Fort Walton Beach
SubdivisionFOREST OAKS PH 2
CityFort Walton Beach
CountyOkaloosa
StateFL
Zip Code32547
Amenities
ParkingGarage Door Opener
# of Garages2
Utilities

Public Sewer, Public Water, TV Cable

Interior
HeatingCentral
CoolingCentral Air
# of Stories2
Interior Features

Vaulted Ceiling(s), Fireplace, Washer/Dryer Hookup

Appliances

Dishwasher, Refrigerator, Electric Water Heater

Exterior
Lot DescriptionSidewalk
WindowsWindow Treatments
RoofShingle
Construction

Siding Brick Front, Wood Siding

School Information
ElementaryKenwood
MiddlePryor
HighChoctawhatchee
Additional Information
Days on Website132
ZoningResid Single Family
Listing Details
OfficeRealty ONE Group Emerald Coast
Property History
Price Reduced from $405,000 to $399,500
Price Reduced from $408,000 to $405,000
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DISCLAIMER: Information Deemed Reliable but not guaranteed. The 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.
All listings are provided courtesy of the Emerald Coast Association of Realtors, Copyright2026, All rights reserved.

Listing information last updated on October 25th, 2026 at 9:37am CDT.