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Harrison Lilly

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

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923 Lido Cir , Niceville, FL 32578
$3,800,000
Est. Payment: $19,270.88/mo
7 Bed
8 Bath
6952 Sqft
Status: active | Days on site: 191
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Offered exclusively for the first time, 923 Lido Circle is a rare opportunity to own a masterfully designed, European-inspired bayfront estate in the coveted Bluewater Bay community. With nearly 7,000 square feet of living space and 8,710 total square feet, this home exemplifies elegance, privacy, and exceptional craftsmanship — all set on 100 feet of private waterfront along stunning Choctawhatchee Bay. Built by Maurice Sweet of Tier One Custom Homes, with meticulous German engineering, the home features exquisite European details throughout, from a scroll detailing the home's history encased in a glass-tiled entryway to custom Murano glass light fixtures, imported finishes, and high-end design elements. Each of the seven generously sized bedrooms features an ensuite, providing comfort and privacy for family and guests. A bay front office with a private bath serves as a tranquil work-from-home space with panoramic water views. The chef's kitchen is equipped with premium Miele appliances, including a steamer, wine refrigerator, ice maker, and a refrigerated walk-in pantry, perfect for both entertaining and everyday luxury. Large, open-concept living areas flow seamlessly, creating a layout ideal for gatherings, while still offering intimate retreats throughout the home. Outdoors, a fully enclosed saltwater pool and spa are surrounded by covered patios and balconies, with a summer kitchen complete with food prep and cooking areas. Whether relaxing by the pool or entertaining guests, the outdoor living spaces provide year-round enjoyment with sweeping views of the bay. The property's private party deck extends over the bay, providing a front-row seat to daily dolphin sightings, vibrant sunsets, and colorful rainbows. It's also equipped for boat dockage, offering convenient access to boating and water sports. Additional features include a guest house under beam, oversized walk-in closets, bidets in most bathrooms, solar panels for energy efficiency, and electronically controlled storm shutters for added security and peace of mind. Located in a quiet, upscale enclave of Bluewater Bay, this home is just minutes from the marina, Freedom Boat Club, sailing, water sports, LJ Schooners waterfront restaurant, and a host of recreational amenities, including golf, tennis, pickle ball, community pools, and walking trails. Destin's famed white-sand beachesincluding Crystal Beachare only a 10-minute drive away. The area also offers proximity to top-rated schools, shopping, dining, parks, hospitals, and all the conveniences of the Emerald Coast lifestyle. For the discerning buyer seeking a serene retreat that doesn't compromise on luxury, access, or amenities, this home represents an unparalleled coastal living experience.

Highlights

Listed by Suzanne G McDaniel , 985-640-1836 and Keli S O'neal , 850-974-6486 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

Year Built

2002

County

Okaloosa

Area

13 - Niceville

Neighborhood

Lido Village

Listing ID

989054

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:7
  • Bathrooms:8
  • Full Bathrooms:8

Exterior Features

Lot:Bulkhead/Seawall,Bay
Lot Dimensions:100 X 300 X 105 X 250
Zoning:Resid Single Family
Sewer:Public Sewer
Parking Features:Boat,Golf Cart Covered
Principal Interest
$19,271
Taxes
$2,423

Home Price

$3,800,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$760,000
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:
$19,270.88

Principal

Taxes

Principal Taxes HOA Total
Monthly $19,270.88 $2,422.50 $0.00 $21,693.38
Yearly $231,250.58 $29,070.00 $0.00 $260,320.58
Total $6,937,517.26 $872,100.00 $0.00 $7,809,617.26

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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: 2026-08-20T06:32:47.000Z

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