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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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1051 Napa Way , Niceville, FL 32578
$599,000
Est. Payment: $3,309.39/mo
4 Bed
3 Bath
2527 Sqft
0.17 Acres
Status: Active | Days on site: 1
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Harrison Lilly Team
Owner/Operator

House Description

Short Sale. Beautiful one-story pool home with exceptional indoor-outdoor living in Niceville! This spacious 4-bedroom, 3-bath home offers an open, light-filled layout with soaring ceilings, elegant arches, columns, tray and coffered ceilings, and an impressive central living area designed for gathering and entertaining. The heart of the home is the approximately 35-foot living area with access and views to the plunge pool and hot tub. The main living room features a striking shiplap accent wall, decorative fireplace, and views of the screened saltwater plunge pool, hot tub, lanai, and extended deck. Multiple rooms open directly to the pool area, creating an easy flow between the indoors and outdoors. The kitchen offers rich wood cabinetry, a large breakfast bar overlooking the living area, and a separate breakfast nook. The split-bedroom design gives the spacious primary suite excellent privacy; the master bedroom features a double tray, two walk-in closets and direct pool access. Three additional bedrooms provide flexibility for guests, hobbies, or a home office; one includes a built-in desk and shelving. Additional features include a 2017 dimensional-shingle roof, 2016 A/C with 2025 air handler and attic storage above the garage. Convenient Bluewater Bay location with easy access to Eglin AFB, the Mid-Bay Bridge, Destin beaches and shopping. Short sale. All terms subject to lender approval. AS IS.

Highlights

Listed by Wendy Rulnick Hinzman , 850-259-0422 Rulnick Realty Inc , 850-650-7883. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.17

HOA Fee

Year Built

2003

County

Okaloosa

Area

13 - Niceville

Neighborhood

Chardonnay Estates

Listing ID

1012746

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Refrigerator, Smoke Detector, Stove/Oven Gas, Water Heater - Gas
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet
Other:
  • ▪ Additional:Breakfast Bar, Built-In Bookcases, Ceiling Crwn Molding, Ceiling Raised, Ceiling Tray/Cofferd, Pantry, Pull Down Stairs, Shelving, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Restrictions,Survey Available,Within 1/2 Mile to Water
Lot Dimensions:75X100
Zoning:Resid Single Family
Others:
  • ▪ Additional:Fenced Back Yard, Hot Tub, Lawn Pump, Pool - Enclosed, Sprinkler System, Deck Open, Patio Enclosed, Fenced Lot-Part
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$3,309
Taxes
$319
HOA
$0

Home Price

$599,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$119,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,309.39

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,309.39 $318.98 $0.00 $3,628.37
Yearly $39,712.66 $3,827.81 $0.00 $43,540.47
Total $1,191,379.94 $114,834.30 $0.00 $1,306,214.24

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Niceville, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T11:00:03.000Z

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