Residential and rural real estate specialist serving Fort Walton Beach and the Emerald Coast. I work with military families relocating near Eglin AFB and Hurlburt Field, as well as homeowners looking to sell strategically and protect their equity. Clear guidance. Strong negotiation. Representation built for real life moves.

Nicole McGowan & Bentley

Meet Your Fort Walton Beach Buyer & Listing Specialist

Welcome! I'm Nicole, and this is Bentley!

Land & Listing Specialist

I specialize in listing land and residential homes throughout Okaloosa, Walton, and Santa Rosa counties. I’m passionate about creating intentional, story-driven moments in my listing photography — because presentation directly impacts buyer engagement. That attention to detail has consistently helped my listings sell in under 90 days.

Family Values & Integrity

Real estate isn’t about flash or chasing commissions for me. It’s about showing up, doing the work, and guiding each client with integrity. I take pride in being available, responsive, and fully invested in your goals — and I’m genuinely grateful for the trust you place in me.

I Chose This Life

I help buyers and sellers navigate the Fort Walton Beach market with strategy, clarity, and strong negotiation. Whether you're purchasing with a VA loan, downsizing, investing, relocating on PCS orders, or preparing to list your home or land, I approach every transaction with focus and commitment.

My Military & VA Buyers Guide

Clear Numbers. No Guesswork.

I provide estimated net sheets, rough closing figures, and payment projections whenever needed — so you’re never left wondering what your bottom line looks like.

military family in fort walton beach

Multiple Options, Not Just One Path.

In every negotiation, I present layered options — not just A or B. My clients are known for having creative leverage because I don’t limit strategy to a single solution.

Patience Without Pressure.

If you’re not comfortable with e-signatures, I’ll bring the paperwork. If you need time to think, we take it. I adjust to your pace — not the other way around.

I protect the timeline.

I stay ahead of deadlines, coordinate clearly with title, lenders, inspectors, and the other side, and make sure no one’s time is wasted. A smooth closing doesn’t happen by accident — it’s managed carefully.

Jessica Ramirez, Navarre

Buyer

Still on the home search journey, but I had to share already—Nicole is hands down one of best real estate agents in Fort Walton Beach. I’m looking for a home in Navarre and working with her has been such a relief. She's incredibly patient, explains everything clearly, and she's quick to catch details I would’ve missed. If you're military or just need someone who actually cares, she's your girl.

Mark Jaggers, Fort Walton Beach

Seller

"I’ve had many agents in my many years of real estate transactions. And none of them has done as much as Nicole to deliver on getting the house ready for the market and sold. My home sold in less than 30 days after being on the market with another agent for over a year. Highly recommend as a selling agent, andI can’t imagine there’s a better agent to help you buy as well." 

My Services

Buying Along the Emerald Coast

Whether you're purchasing in Fort Walton Beach, Niceville, Crestview, Navarre, Shalimar, or DeFuniak Springs, buying here requires more than opening doors. I guide buyers through inspections, insurance considerations, negotiation strategy, and financing coordination so every decision feels informed and steady.

🔗 Explore VA Buyer Strategy →

Selling Your Home or Land

From waterfront homes to rural acreage, I position listings strategically across Okaloosa, Walton, and Santa Rosa counties. With intentional presentation, clear pricing strategy, and strong negotiation, my goal is simple: protect your equity and move you forward confidently.

🔗 See My Seller Strategy →

Military Relocation & VA Loans

Serving military families relocating to Eglin AFB and Hurlburt Field, I help navigate PCS timelines and VA loan requirements with precision and steady communication.

🔗 VA Buyer Resources →

Living in Fort Walton Beach Guide

Thinking about moving to Fort Walton Beach? My free guide breaks down the cost of living, the types of homes available, and everything you need to know to make your relocation smooth.

Living In Fort Walton Beach | Know Before You Move

Recent Blog Posts

Military & VA Home Buying and Selling in Fort Walton Beach: Need To Know

Military & VA Real Estate in Fort Walton Beach: A Local Guide for Buyers and Sellers When families PCS to Fort Walton Beach, the first thing I usually notice isn’t excitement — it’s pressure. There’s a timeline. There’s a benefit they’ve earned. And there’s often a lot of conflicting advice about how VA loans actually […]

Living in Fort Walton Beach: A Local’s Honest Guide Before You Move

Living in Fort Walton Beach: What You Should Know Before Moving Here Living in Fort Walton Beach looks different than most people expect. It’s not just white sand and vacation rentals — it’s a military-driven coastal community with real rhythms, real seasons, and real neighborhood differences. If you’re moving to Fort Walton Beach from out […]
Nicole McGowan, REALTOR, MRP, SRS
MILITARY RELOCATION PROFESSIONAL
SELLER REPRESENTATIVE SPECIALIST
C: 850.855.6899
1realtornicole@gmail.com
homerunnicole.com

My Office

Century 21 Wimco Realty, Inc.

130 Mary Esther Blvd

Mary Esther/Fort Walton Beach, FL 32569

License Number #3562611