We found the Bay Cafe in Ft. Walton Beach last year and have now been back a few times because the food is very good. The restaurant is hard to locate (unless docking a boat at the restaurant). It is under the Brooks Bridge in Ft. Walton Beach but we prefer to travel there by boat in warm weather and tie up at their dock. (Watch out for the strong current.) If you are not familiar with the area, a GPS will be helpful in actually finding the restaurant by land.
Bay Cafe is a French restaurant. My favorite dish, out of the half dozen or so that I have tried here, is the grouper meuniere, a white wine and lemon sauce that goes very well this this fish. They also have an amberjack meuniere which is good but the fish itself does not seem to lend itself to the sauce as well as the grouper--at least in my opinion.
The chicken picatta is also excellent. On my most recent visit, I had the salmon. It was very moist, very tender and the sauce was excellent (photo accompanies this review for several dishes for those who are curious about the appearance).
The crabcakes were, according my wife, not that good compared to the genuine "Maryland style" crabcakes from the Eastern Shore of Maryland or up to the quality of several other restaurants in the area.
This restaurant is small and many prefer the outside eating area. It can be very pleasant on the outside deck or very hot in the middle of the day.
All in all, this is a pleasant restaurant with a good atmosphere and very good food. We have always eaten there at lunch. The portions are not large but enough for most people and the pricing for the quality of the food is quite good. There is also a good wine list for those who are interested in wine to accompany the meal.