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Single Family ResidenceResidential
$419,834$428 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $420,000 on Aug 25, 2026

407 COBIA AVE

FORT WALTON BEACH, FL 32548
2
Beds
1
Baths
980 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1956
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$420K
$400K low$439K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$420,000 · Aug 25, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,103 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$236,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$203,789
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$32,811
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$220,259
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$236,600

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.48 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.75%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOKALOOSA
Lot (acres)The size of the land the home sits on, from county records.0.28
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Builtup (layered Asphalt)
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(7)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Elliott Point Elementary SchoolC+
Elementary · Grades PK–5 · 1.7 mi
M
Max Bruner Junior Middle SchoolB+
Middle · Grades 6–8 · 2.2 mi
H
Fort Walton Beach High SchoolC+
High · Grades 9–12 · 2.2 mi

District: Okaloosa County School District

Neighborhood · ZIP 32548These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.73
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.79%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.23,475
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,019 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,478
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,139
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.67 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

407 Cobia Ave measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 67% of homes in Okaloosa County
  • Costs more per square foot than 89% of homes in Okaloosa County
  • Smaller than 91% of homes in Okaloosa County
  • Older than 95% of homes in Okaloosa County

What homes are worth in Fort Walton Beach 32548

Each bar is how many homes fall in that price range. The marker is this home.

This home
$130K$1.3M

This home is worth more than 65% of homes in Fort Walton Beach 32548.

How it measures up in Fort Walton Beach 32548

The dot is this home. The mark in the middle is the typical home in Fort Walton Beach 32548.

Estimated value$419,834
CheaperTypical $330,086Pricier

Pricier than 65% of homes nearby

Price per ft²$428
CheaperTypical $237Pricier

Pricier than 77% of homes nearby

Living area980 ft²
SmallerTypical 1,320 ft²Bigger

Bigger than 17% of homes nearby

Lot size0.27 ac
SmallerTypical 0.28 acBigger

Bigger than 48% of homes nearby

Year built1956
OlderTypical 1978Newer

Newer than 11% of homes nearby

How 407 Cobia Ave ranks against every home in each area.
MeasureThis homeFort Walton Beach 32548Okaloosa County
Estimated valuepricier than$419,83465% of homes67% of homes
Price per ft²pricier than$42877% of homes89% of homes
Living areabigger than980 ft²17% of homes9% of homes
Lot sizebigger than0.27 ac48% of homes46% of homes
Year builtnewer than195611% of homes5% of homes

About 407 Cobia Ave

How much is 407 Cobia Ave, Fort Walton Beach, FL worth?

The TopHap Estimate for 407 Cobia Ave, Fort Walton Beach, FL is $419,834 as of Sep 24, 2026. The likely range is $400,187 to $439,481. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 407 Cobia Ave, Fort Walton Beach, FL last sell?

407 Cobia Ave, Fort Walton Beach, FL last sold on Aug 25, 2026 for $420,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 407 Cobia Ave, Fort Walton Beach, FL?

407 Cobia Ave, Fort Walton Beach, FL has 2 bedrooms, 1 bathrooms, 980 square feet of living space and a 0.28-acre lot.

When was 407 Cobia Ave, Fort Walton Beach, FL built?

407 Cobia Ave, Fort Walton Beach, FL was built in 1956, making it 70 years old. The building has 1 story.

What schools serve 407 Cobia Ave, Fort Walton Beach, FL?

407 Cobia Ave, Fort Walton Beach, FL is assigned to Elliott Point Elementary School (elementary), rated C+; Max Bruner Junior Middle School (middle), rated B+; Fort Walton Beach High School (high), rated C+. All sit in Okaloosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 407 Cobia Ave, Fort Walton Beach, FL compare to other homes in Fort Walton Beach 32548?

Among the 11,897 homes in Fort Walton Beach 32548, it is worth more than 65% of them ($419,834 against a typical $330,086), its price per square foot is higher than 77% of them ($428 against a typical $237), it is bigger than 17% of them (980 ft² against a typical 1,320 ft²), its lot is bigger than 48% of them (0.27 ac against a typical 0.28 ac) and it is newer than 11% of them (1956 against a typical 1978). Measured against all of Okaloosa County, it is worth more than 67% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 407 Cobia Ave, Fort Walton Beach, FL?

The 2025 property tax bill for 407 Cobia Ave, Fort Walton Beach, FL was $3,103. The county assessed it at $236,600.

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