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Harrison Lilly

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

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1609 Malta Cove , Niceville, FL 32578
$450,000
Est. Payment: $2,282.08/mo
3 Bed
2 Bath
1894 Sqft
Status: active | Days on site: 56
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

ASSUMABLE FINANCING AVAILABLE-BUYER MAY QUALIFY TO TAKE OVER A 2.875% INTEREST RATE. This beautifully maintained 3-bedroom, 2-bath home combines timeless charm with thoughtful modern updates. A welcoming foyer with soaring ceilings creates an impressive first impression, while elegant tray ceilings add architectural character to the dining area.The spacious kitchen is designed for both everyday living and entertaining, featuring tall cabinetry, under-cabinet lighting, Corian countertops, a newer refrigerator (2021), dishwasher (2026), and disposal. The kitchen opens seamlessly to the inviting family room, showcasing vaulted ceilings, recessed lighting, wood-look tile flooring, a custom-tiled gas fireplace, built-in shelving, and a wet bar with wine cooler.The private primary suite offers a relaxing retreat with a spacious walk-in closet and an ensuite bath featuring dual vanities, a garden tub, and separate shower. Two additional bedrooms provide generous closet space and share a well-appointed guest bath.Major system upgrades provide peace of mind, including a roof (2020), energy-efficient windows (2025), HVAC system (2018), tankless water heater (2018), garage door and motor (2024), well pump (2024), refrigerator (2021), and dishwasher (2026). This move-in ready home offers the perfect blend of comfort, style, and updated functionality.

Highlights

Listed by Skye D Goldstein , 850-687-4415 EXP Realty LLC , 888-883-8509. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

Year Built

2004

County

Okaloosa

Area

13 - Niceville

Neighborhood

Magnolia Plantation At Bluewater Bay

Listing ID

1006135

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Wine Refrigerator, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace Gas
Floor:Floor Tile
Other:
  • Additional:Breakfast Bar, Ceiling Crwn Molding, Ceiling Tray/Cofferd, Ceiling Vaulted, Lighting Recessed, Pantry, Washer/Dryer Hookup, Wet Bar

Exterior Features

Lot:Covenants,Survey Available
Lot Dimensions:70 x 60 x 69 x 55
Zoning:Resid Single Family
Others:
  • Additional:Fenced Back Yard, Sprinkler System, Patio Open
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$2,282
Taxes
$263
HOA
$0

Home Price

$450,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$90,000
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:
$2,282.08

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,282.08 $262.53 $0.00 $2,544.61
Yearly $27,384.94 $3,150.40 $0.00 $30,535.34
Total $821,548.10 $94,512.00 $0.00 $916,060.10

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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