Condo in Fort Walton Beach, Okaloosa County, FL · 42 units · built 1983
Hermitage by the Bay
1330 Hwy 98 East, Fort Walton Beach, FL 32548
Overview
Hermitage By The Bay is a quiet, family-oriented condominium community known for its clean accommodations, beautiful bay water views, and convenient location near the Gulf Islands National Seashore and public beaches. While many appreciate the peaceful atmosphere, well-maintained common areas, and proximity to local attractions, governance and rules enforcement have occasionally drawn criticism from visitors regarding interactions with leadership and dock usage policies. Overall, the property offers a scenic and relaxed setting with standard amenities.
Overview compiled from public sources — verify details independently.
At a glance
Facts, not verdicts- Structure
- Built 1983
- Milestone
- Inspection applies
- Flood
- Being verified
- Wind
- Being verified
- Fees
- Being verified
- Reviews
- 5 themes
42 residential units on record.
Is Hermitage by the Bay safe? Structure & milestone status
Applicability is a factual classification — it does not indicate that any inspection is overdue or that a building has a problem.
What are the HOA fees at Hermitage by the Bay?
Fee information for this building is being verified from public records.
Local condo market — Fort Walton Beach, FL 32548
ZIP-level market snapshot from Redfin public data · updated monthly
What is the flood risk at Hermitage by the Bay?
Flood and wind exposure for this building are being verified from FEMA and county records.
Permits & activity
Permit activity is being compiled from the county building department index.
What residents say about living at Hermitage by the Bay
What works
What doesn't
Ongoing, not one-off
- Board governance — raised repeatedly, 2018-2026
- Rules enforcement
Aggregated from public reviews. No individuals are named.
Get the full building report
We're compiling special-assessment history, reserve funding status, and structural-safety records for this building. Get notified when the full safety & financial report is ready.
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Frequently asked
Is Hermitage by the Bay safe to live in?
Aedificio doesn't grade or judge buildings. What we can tell you is factual, and as a building of 3+ stories it falls under Florida SB 4-D milestone-inspection requirements. Applicability is a regulatory classification and does not indicate any problem. For a professional assessment, consult a licensed inspector.
What are the HOA fees at Hermitage by the Bay?
We're verifying this building's fee information from public records. Sign up above to be notified when it's published.
Does Hermitage by the Bay require a milestone inspection?
Yes — as a building of three or more stories it is within the class covered by Florida SB 4-D milestone inspections. This is a factual classification about the building class; Aedificio does not publish whether an inspection is complete or overdue.
Can you get a mortgage on a condo here?
Condo mortgage eligibility depends on the project's "warrantability" (Fannie Mae / Freddie Mac criteria: owner-occupancy, reserves, litigation, insurance). Aedificio surfaces the public inputs; your lender makes the warrantability determination.
Is Hermitage by the Bay in a flood zone?
We're verifying this building's FEMA flood-zone designation. Sign up to be notified.