Finisterra Condominiums: Bay-View & Bay-Access Living in North Fort Walton Beach

A Waterfront-Oriented Community Along the Choctawhatchee Bay

Finisterra Condominiums offer a unique residential lifestyle centered around Choctawhatchee Bay living in the northern area of Fort Walton Beach. Built in 1970 and comprising approximately 148 units, Finisterra is one of the area’s more established bay-access condominium communities, appealing to buyers who value water views, boating potential, and a quieter coastal atmosphere without the intensity of gulf-front exposure.

North Fort Walton Beach Bay-Side Location

Located on the bay side of North Fort Walton Beach, Finisterra provides residents with scenic water views and convenient access to the Choctawhatchee Bay. This setting offers a calmer, protected waterfront environment compared to open-gulf properties, making it ideal for those who enjoy kayaking, paddleboarding, boating, and sunset views over the bay. The northside location also places residents close to everyday amenities, schools, and major commuter routes.

Built in 1970: Longstanding Coastal Presence

Constructed in 1970, Finisterra reflects an era of practical condominium development designed for long-term residential use. With decades of established performance, the community offers buyers a well-understood building history, predictable ownership costs, and realistic pricing relative to newer waterfront developments. Many buyers appreciate the proven durability and stable ownership patterns associated with bay-side condos of this vintage.

Large-Scale 148-Unit Condominium Community

With approximately 148 units, Finisterra functions as a full-scale condominium community rather than a boutique complex. This size supports organized management, shared amenities, and a diverse mix of residents. The larger footprint creates a neighborhood-like atmosphere while still offering the advantages of condominium living and bay-oriented surroundings.

Bay Views, Water Access & Protected Conditions

Finisterra’s defining feature is its relationship to the bay. Select units enjoy views of the Choctawhatchee Bay, while the overall community benefits from bay access and protected waters. This environment is especially appealing to buyers who want a waterfront lifestyle without exposure to open-gulf surf, wind, and salt conditions.

Residential Focus with Year-Round Appeal

Finisterra is primarily oriented toward full-time residents and long-term owners rather than short-term vacation rentals. The bay-side location, interior road access, and community scale contribute to a quieter, more residential atmosphere that appeals to retirees, professionals, military families, and downsizers.

Convenient Access to Bases and Employment Centers

The North Fort Walton Beach location provides practical access to Hurlburt Field, Eglin Air Force Base, and surrounding employment hubs. This accessibility, combined with bay-side living, makes Finisterra attractive to buyers seeking a balance of waterfront enjoyment and everyday convenience.

Affordable Bay-Side Alternative to Gulf-Front Living

Compared to gulf-front condos, bay-view and bay-access properties like Finisterra often offer a more attainable entry point into waterfront living. This affordability, paired with water proximity and established community structure, supports consistent demand among buyers seeking value without sacrificing a coastal lifestyle.

A Distinctive Bay-Access Community in Fort Walton Beach

Finisterra stands out as one of North Fort Walton Beach’s notable bay-side condominium communities. With its 1970 construction, large-scale layout, bay views, and protected waterfront setting, Finisterra continues to serve buyers looking for stable, water-oriented living with long-term appeal.