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Harrison Lilly Team

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

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645 Carr Dr , Niceville, FL 32578
$680,000
Est. Payment: $3,756.90/mo
4 Bed
3 Bath
3025 Sqft
0.36 Acres
Status: Active | Days on site: 140
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EMTJ - E30647
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

ASSUMABLE VA LOAN AT 6.5% FIXED RATE!. $19k Final Price Improvement. Discover your lakeside sanctuary, a beautifully refreshed retreat in the premier Le Chateau subdivision of Rocky Bayou. This 4-bedroom, 2.5-bathroom home has been thoughtfully updated to provide modern comfort against the backdrop of serene lake views. Step inside to find a seamless blend of style and peace of mind. The home features brand-new LVP flooring in main living areas and plush new carpet in the bedrooms. Both the kitchen and bathrooms have been tastefully updated, complementing the open, airy feel of the vaulted ceilings and dual living spaces. Major mechanical and structural updates ensure worry-free living for years to come: HVAC: Both units replaced in 2025. Septic System: New system and drain field installed in 2021. Roof: Installed in 2018. Water Heater: Replaced in 2016. ASSUMABLE VA LOAN AT 6.5% FIXED RATE! Prime location & outdoor living nestled on a quiet cul-de-sac, this property offers stunning views of Lake Amick from a spacious back deck. Golf enthusiasts will appreciate being adjacent to hole #3 of the Rocky Bayou Country Club, providing easy access to championship golf and community amenities. Centrally located in Niceville, you are just a short distance from local shops and dining, with an easy commute to Eglin AFB and the famous beaches of the Emerald Coast. Enjoy the best of Florida living with the perfect mix of tranquility and convenience.
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Highlights

Listed by Blaze Y Crank , 850-867-0806 Coastal Heritage Real Estate LLC , 706-570-2424. Emerald Coast Multiple Listing Services

Property Type

Residential
Lot/Acreage
0.36

HOA Fee

Year Built

1979

County

Okaloosa

Area

13 - Niceville

 Neighborhood

Le Chateau

Listing ID

1002755

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Microwave, Refrigerator W/IceMk, Smooth Stovetop Rnge, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air,Gas
Fireplaces:
Floor:Floor Tile,Floor Vinyl,Floor WW Carpet New
Other:
  • ▪ Additional:Ceiling Vaulted, Fireplace, Fireplace 2+, Washer/Dryer Hookup

Exterior Features

Lot:Cul-De-Sac,Lake
Lot Dimensions:43x181x180x149
Zoning:County, Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Dock, Lawn Pump, Sprinkler System, Deck Open
Sewer:Septic Tank
Parking Features:Golf Cart Enclosed
Principal Interest
$3,757
Taxes
$456
HOA
$0

Home Price

$680,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$136,000
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:
$3,756.90

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,756.90 $456.25 $0.00 $4,213.15
Yearly $45,082.82 $5,475.02 $0.00 $50,557.84
Total $1,352,484.74 $164,250.60 $0.00 $1,516,735.34

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: 2026-10-07T06:31:40.000Z

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