Condo in Fort Walton Beach, Okaloosa County, FL · 83 units · built 1982
Surf Dweller Condominiums
554 Coral Ct, Fort Walton Beach, FL 32548-6911
Overview
Surf Dweller Condominiums offers a prime beachfront location with direct access to sandy shores, spacious units, and stunning ocean views. Guests frequently enjoy the clean common areas, well-maintained pool, tennis courts, and complimentary beach chair setups. While the property remains a popular destination for relaxing family getaways, recurring challenges include slow or occasionally malfunctioning elevators and tight parking conditions during peak times. Overall, the community delivers a comfortable and scenic vacation experience.
Overview compiled from public sources — verify details independently. Review-derived detail here comes from short-stay guest reviews, not residents.
At a glance
Facts, not verdicts- Structure
- Built 1982
- Milestone
- Inspection applies
- Flood
- Being verified
- Wind
- Being verified
- Fees
- Being verified
- Reviews
- 5 themes
83 residential units on record.
Is Surf Dweller Condominiums 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 Surf Dweller Condominiums?
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 Surf Dweller Condominiums?
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 guests say about staying at Surf Dweller Condominiums
What works
What doesn't
Ongoing, not one-off
- Elevators — raised repeatedly, 2021-2024
- Parking — raised repeatedly, 2021-2025
This building is listed as a vacation rental or resort operation, so this reflects short-stay guest reviews rather than resident experience. 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 Surf Dweller Condominiums 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 Surf Dweller Condominiums?
We're verifying this building's fee information from public records. Sign up above to be notified when it's published.
Does Surf Dweller Condominiums 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 Surf Dweller Condominiums in a flood zone?
We're verifying this building's FEMA flood-zone designation. Sign up to be notified.