Hermitage (Cloister) is a well-established 41-unit bayfront condominium community built in 1983 and located on North Okaloosa Island along the calm waters of Choctawhatchee Bay. Known for its affordability and peaceful setting, Hermitage offers direct bay access, tranquil water views, and spectacular sunsets—often at 60–70% less than comparable Gulf-front properties. With a balanced community size, reasonable HOA costs, and over 40 years of proven stability, it appeals to first-time waterfront buyers, military families, retirees, and investors seeking genuine waterfront living with calm waters, beach proximity, and excellent long-term value.
Welcome to Hermitage (Cloister), a well-designed 41-unit bay front community offering exceptional affordable waterfront living with over 40 years of excellence on accessible north Okaloosa Island. Built in 1983, this balanced property combines quality early-1980s construction, direct bay front access and beautiful water views, and the ideal balanced scale that creates genuine community atmosphere while maintaining affordability. Hermitage (Cloister) represents affordable bay value – large enough for comprehensive amenities and professional management, positioned directly on the bay on north Okaloosa Island with peaceful waters, established enough for over four decades of proven waterfront reliability, and priced to make north Okaloosa Island affordable bay front ownership exceptionally accessible.
Hermitage (Cloister) occupies a desirable bay front position directly on Choctawhatchee Bay on accessible north Okaloosa Island, delivering authentic affordable waterfront living with peaceful bay atmosphere at exceptional value. This prime north Okaloosa Island bay front location provides direct bay access with beautiful peaceful water views, enjoy calm protected bay waters perfect for families and relaxation, stunning sunsets over the bay nightly creating natural shows, peaceful north Okaloosa Island location away from tourist congestion, convenient beach access (short drive when desired) without beachfront premium (60-70% savings), close proximity to Fort Walton Beach services and shopping, near Eglin Air Force Base (15-20 minutes) for military commutes, balanced 41-unit scale providing comprehensive amenities, and genuine affordable bay front community atmosphere. The north Okaloosa Island bay front positioning delivers authentic affordable waterfront living with peaceful atmosphere at maximum value.
Built in 1983, Hermitage (Cloister) represents solid early-1980s bay front construction with over four decades of proven exceptional waterfront performance. This established affordable bay property showcases reliable 1980s building standards thoroughly validated by time and coastal conditions, demonstrated remarkable durability surviving 40+ years of demanding bay front conditions, proven management systems refined through extensive decades of experience, established north Okaloosa Island bay front presence with deep community roots, and authentic character that comes only from sustained affordable waterfront existence. The 1983 vintage means genuine proven reliability, comprehensive documented bay front performance spanning over four decades, and honest pricing reflecting real long-term affordable waterfront value.
With 41 units, Hermitage (Cloister) achieves ideal balanced scale for affordable bay front living – large enough to support comprehensive amenities and professional management, adequately sized to maintain well-funded reserves for bay front maintenance, perfectly scaled for genuine community atmosphere, balanced to provide diverse stable resident community, and substantial enough for professional property operations. The 41-unit balanced size represents the affordable bay front sweet spot – sufficient resources for quality amenities and professional management without excessive costs while maintaining genuine affordable waterfront community atmosphere.
Hermitage (Cloister)'s direct bay front position provides authentic affordable Choctawhatchee Bay lifestyle with comprehensive advantages. Direct bay access with beautiful peaceful water views, calm protected bay waters perfect for swimming, kayaking, paddleboarding, and family activities, spectacular sunsets over the bay nightly from your affordable balcony, peaceful bay atmosphere without ocean wave intensity, literally steps from your door to tranquil bay waters, balanced 41-unit scale ensuring uncrowded waterfront access, and year-round affordable bay front living at its finest. This is genuine direct affordable bay front – actual waterfront where peaceful bay waters await within seconds of your door on accessible north Okaloosa Island.
Hermitage (Cloister) provides exceptional affordability critical for budget-conscious buyers while delivering genuine bay front waterfront living. Most affordable waterfront option on north Okaloosa Island, 60-70% savings versus gulf front beachfront properties, reasonable 41-unit operating costs maintaining affordability, established 1983 property with realistic affordable pricing, bay front position providing genuine waterfront at exceptional value, beach access available nearby via short drive when desired, and lowest possible waterfront costs absolutely essential for budget-conscious buyers, fixed-income retirees, military families on BAH, and cash flow investors seeking waterfront. This is maximum affordable waterfront without sacrificing quality bay living – genuine value for those who need waterfront most.
North Okaloosa Island's proximity to Eglin Air Force Base (approximately 15-20 minutes) makes Hermitage (Cloister) highly appealing to military families seeking affordable waterfront. Reasonable commute to Eglin main base gates, most affordable waterfront for military budgets and BAH allowances, reasonable 41-unit costs critical for military families seeking waterfront, understanding supportive military community atmosphere throughout Okaloosa Island area, solid consistent rental demand from military families and contractors seeking affordable waterfront, peaceful bay front perfect for military families, and proven exceptional value for service members. Many military families specifically choose affordable north Okaloosa Island bay front properties like Hermitage (Cloister) for the superior combination of affordability, genuine waterfront, peaceful atmosphere, convenient base access, and balanced community.
Hermitage (Cloister) represents outstanding value for affordable north Okaloosa Island bay front ownership with balanced community. Established 1983 property with realistic honest affordable waterfront pricing, balanced 41-unit scale maintains affordability while providing comprehensive bay amenities, 40+ years of proven bay front track record demonstrates solid reliable worth, north Okaloosa Island location provides maximum affordable waterfront value, bay front position delivers genuine waterfront at 60-70% below beachfront, peaceful atmosphere enhances quality of affordable waterfront living, and balanced community provides resources without excessive costs. For first-time buyers seeking most affordable waterfront entry with balanced amenities, military families on budgets needing affordable waterfront near Eglin with bay access, retirees on fixed incomes requiring affordable waterfront with peaceful atmosphere, families wanting affordable bay lifestyle with calm protected waters, long-term investors targeting maximum waterfront cash flow with affordable costs and military demand, or anyone understanding that affordable bay front on north Okaloosa Island with balanced 41-unit community represents exceptional rare waterfront value, Hermitage (Cloister) delivers unmatched proven affordable waterfront opportunity.
Hermitage (Cloister)'s combination of affordable bay front, north Okaloosa Island accessibility, balanced 41-unit amenities, military proximity, peaceful waters, and over 40 years established quality creates solid consistent rental appeal for responsible budget-conscious tenants seeking waterfront. The property attracts military families on assignments seeking most affordable waterfront near Eglin with peaceful bay access, military contractors and workers on extended projects seeking affordable waterfront, long-term professional renters on budgets valuing affordable waterfront with calm waters, families wanting affordable bay lifestyle with safe calm protected waters for children, and responsible quality tenants appreciating affordable balanced bay front community living. The military proximity (Eglin 15-20 min), affordable waterfront pricing, peaceful bay atmosphere, balanced 41-unit community, beach proximity, and north Okaloosa Island convenience generate consistent stable occupancy with quality responsible long-term tenants seeking affordable genuine waterfront.
Hermitage (Cloister)'s affordable balanced bay characteristics appeal to specific buyers with budget priorities and waterfront desires. First-time buyers seeking most affordable waterfront entry with balanced amenities and peaceful bay, military families needing most affordable waterfront near Eglin with calm bay access for families, retirees on fixed incomes requiring affordable waterfront with peaceful atmosphere and beautiful sunsets, families wanting affordable bay lifestyle with calm protected waters perfect for children, long-term investors targeting maximum waterfront cash flow with affordable costs and stable military demand, and anyone valuing maximum affordability, genuine waterfront, peaceful bay atmosphere, balanced community, military convenience, and exceptional value. This property serves budget-conscious buyers understanding that affordable bay front on north Okaloosa Island with balanced 41-unit community represents rare exceptional affordable waterfront opportunity.
The balanced 41-unit scale creates authentic affordable bay front community atmosphere. Balanced size where neighbors form meaningful waterfront relationships, large enough for comprehensive bay amenities and professional management, balanced to provide diverse stable waterfront resident community, collective ownership creates responsible affordable property stewardship, balanced community size provides stability with genuine atmosphere, and the balanced scale supports genuine neighborhood waterfront living. This is balanced affordable bay front at its finest – comprehensive amenities with genuine affordable waterfront community.
Hermitage (Cloister) provides appropriate amenities perfectly suited to balanced 41-unit affordable bay front community. Direct bay access with beautiful peaceful water views, swimming pool for recreation and social gathering, well-maintained affordable bay front grounds, assigned parking with guest accommodations, and professional property management understanding affordable balanced bay properties. Amenities emphasize essentials genuinely enhancing affordable bay living while keeping costs reasonable – focus on bay access, community atmosphere, and waterfront lifestyle rather than unnecessary facilities inflating costs.
Hermitage (Cloister)'s Choctawhatchee Bay location provides calm protected waters ideal for families and affordable waterfront enjoyment. Calm bay waters without intense ocean waves perfect for children and safe swimming, ideal for kayaking, paddleboarding, and water activities without ocean dangers, peaceful atmosphere enhancing affordable waterfront living, beautiful bay sunsets nightly creating natural entertainment, year-round bay access for waterfront activities, and safe family-friendly affordable waterfront environment. The calm protected bay is perfect for families seeking affordable waterfront where children can safely enjoy water activities.
Over four decades of careful cultivation have created Hermitage (Cloister)'s mature bay front landscaping perfectly complementing the balanced 41-unit affordable scale. Established coastal plantings creating authentic Florida affordable bay atmosphere, demonstrated decades of sustained affordable bay property care and investment, perfectly complement the direct bay front north Okaloosa Island setting, and enhance the balanced affordable bay community character. This mature landscape represents 40+ years of cultivation adding aesthetic affordable waterfront value.
Hermitage (Cloister) excels for year-round affordable bay residence with balanced community support and peaceful waterfront. North Okaloosa Island provides island residential services year-round, bay front setting with proven 1983 construction remains beautiful and reliable across all seasons, balanced 41-unit community provides stable neighbors year-round, convenient beach access nearby when desired and all island services, Fort Walton Beach amenities accessible, and complete flexibility for affordable waterfront residence or rental income generation. The property successfully supports primary affordable bay residence or strategic waterfront investment purposes.
The balanced 41-unit scale creates reasonable efficient operating costs for affordable bay front property. Manageable shared expenses distributed across adequate balanced community base, reasonable HOA fees reflecting affordable balanced bay property scale, efficient maintenance operations scaled appropriately, straightforward budgeting and transparent management, and owners sharing costs reasonably across stable base. Monthly expenses remain very reasonable for direct bay front waterfront – absolutely critical for budget-conscious waterfront buyers, fixed-income retirees seeking waterfront, military families on BAH wanting waterfront, and cash flow investors seeking affordable waterfront returns.
Hermitage (Cloister) provides strategic value with bay front waterfront plus beach proximity without premium costs. Bay front waterfront living with genuine water access, beach access available via short convenient drive when desired, 60-70% savings versus beachfront properties while maintaining waterfront lifestyle, maximum affordability while delivering genuine waterfront, and smart strategic positioning for budget-conscious buyers wanting waterfront lifestyle with beach proximity. This is the affordable waterfront advantage – genuine bay living with beach access at exceptional value.
The four-decade history has created genuine demonstrated stability at Hermitage (Cloister). Long-term affordable waterfront residents appreciate the exceptional value and balanced 41-unit bay community atmosphere, the balanced scale naturally fosters lasting meaningful waterfront relationships across decades, established north Okaloosa Island bay presence provides security and continuity, returning owners and multi-generational families create consistency and enduring tradition, and collective shared pride maintains affordable bay property standards. This stability proves the balanced 41-unit affordable bay front model creates exceptional lasting waterfront value.
Properties like Hermitage (Cloister) represent exceptionally smart investment in affordable north Okaloosa Island waterfront fundamentals. The north Okaloosa Island bay position with military proximity and affordable waterfront ensures perpetual consistent demand, 41-unit balanced affordable bay communities keep operating costs reasonable maximizing waterfront cash flow returns, 40+ years of proven performance thoroughly validates waterfront investment security, affordable waterfront rental rates attract quality responsible long-term military and budget-conscious tenants with minimal turnover, military proximity creates stable year-round waterfront demand, peaceful bay waters appeal to families, and reasonable HOA costs maximize net rental waterfront income. This is investment in proven affordable maximum cash flow waterfront excellence.
Hermitage (Cloister) invites you to experience affordable balanced bay front living on accessible north Okaloosa Island with genuine waterfront. With 40+ years of proven waterfront excellence and reliability, balanced 41-unit scale with comprehensive bay amenities, direct Choctawhatchee Bay access with beautiful peaceful water views, peaceful north Okaloosa Island positioning with island atmosphere, quality proven 1983 construction, genuine balanced affordable bay community atmosphere, reasonable operating costs, military-friendly proximity to Eglin (15-20 minutes), calm protected bay waters perfect for families, beach proximity without beachfront premium (60-70% savings), and exceptional value for affordable waterfront ownership, this property delivers authentic affordable bay front waterfront lifestyle.
Whether you're seeking first-time most affordable waterfront entry with balanced amenities and peaceful bay, military family needing most affordable waterfront near Eglin with calm bay access perfect for children, retirement affordable bay community on fixed income with peaceful waterfront sunsets, family wanting affordable bay lifestyle with safe calm protected waters, long-term investor targeting maximum waterfront cash flow with affordable costs and stable military demand, or anyone whose priorities are maximum affordability, genuine waterfront, peaceful bay atmosphere, balanced community, calm protected waters, military convenience, beach proximity, and exceptional value, Hermitage (Cloister) offers perfect proven affordable waterfront combination. The maximum affordability, genuine bay front waterfront, balanced community of 41, peaceful calm waters, military proximity, beach access nearby, 40+ years proven reliability, and exceptional value make affordable waterfront living dreams achievable satisfying reality.
Experience Hermitage (Cloister) – where north Okaloosa Island's affordability meets balanced 41-unit bay front waterfront excellence, and affordable waterfront living means genuine bay access, beautiful peaceful water views, spectacular sunsets, balanced community, calm protected waters perfect for families, military-friendly proximity, beach access nearby, and accessible affordable bay front waterfront ownership at maximum value with exceptional 60-70% savings versus beachfront.
Ready to embark on a rewarding career journey in real estate? Contact us today to explore exciting opportunities with The Chris Carter Team. Your future in real estate starts here! Contact us today to find out how we can be of assistance to you!
