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Harrison Lilly

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

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1802 23rd St , Niceville, FL 32578
$1,490,000
Est. Payment: $7,557.00/mo
4 Bed
4 Bath
3107 Sqft
Status: active | Days on site: 3
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CAREFREE waterfront living on a protected deep-water lot with 166' on Rocky Bayou!! This charming home is located on a private .68-acre lot on Rocky Bayou with panoramic views across the bayou from the Rocky Bayou bridge out towards Choctawhatchee Bay. Along with a HUGE yard, this home also comes with a double seawall as well as a dock with both a boathouse and a sailboat slip. The home was renovated in 2015 with the addition of a large kitchen, family room, dining room, office and master suite downstairs that offer captivating water views that take your breath away!! The kitchen is a chefs dream with an abundance of custom cabinets, beautiful granite counter tops, stainless appliances, a walk-in pantry and a large island breakfast bar. The kitchen is open to the family room accented with gorgeous wood ceiling beams that complement the hardwood floors and beautiful granite fireplace. The dining room is open to both the family room and kitchen and can accommodate oversized furniture. Just down the hall, you will find an office with double pocket doors for privacy. Adjacent to that is the master suite offering amazing bayou views and pampering you with a luxurious bath featuring 2 vanities, a jetted tub, a walk-in shower and a walk-in closet. Both the master bedroom and family room have doors to the screened porch where you will spend countless hours enjoying the gorgeous sunrise in the morning, the gentle bayou breeze in the afternoon and the spectacular moonrise at night! Upstairs you will find another large master suite overlooking the bayou with two walk in closets and a private bath. There is also a convenient loft area as well as two additional bedrooms and another full bath. One of the upstairs bedrooms was expanded and offers a large sitting area as well as a walk-in closet. Enjoy life on the bayou by enjoying the views from the back deck, sitting around the firepit, having a bar-b-q on the paver patio or sipping a cup of coffee on the screened porch while watching the sun rise. The dock offers a kayak platform as well as a covered boathouse and a boat slip for a sailboat. The property is protected by a seawall with rip-rap and a retaining wall as well. This is the "trifecta" of waterfront properties...1. Protected DEEP water, 2. AMAZING views and 3. NO FLOOD INSURANCE required because of the elevation of the lot! Practical notes: roof (2013 reroof, 2015 addition roof, 2023 master bedroom roof), HVAC systems (2024 upstairs, 2019 & 2015 downstairs), tankless water heater (2025), Welcome home and enjoy carefree waterfront living ''sittin' on the dock of the bay watchin' the tide roll away..

Highlights

Listed by Team Busovne , 850-598-9497 Keller Williams Realty Nville , 850-279-4332. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.68

Year Built

1985

County

Okaloosa

Area

13 - Niceville

Neighborhood

Metes & Bounds

Listing ID

1006480

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Cooktop, Dishwasher, Microwave, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Stove/Oven Electric, Stove/Oven Gas, Water Heater - Elect, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Central Air
Fireplaces:Fireplace Gas
Floor:Floor Hardwood,Floor Tile,Floor WW Carpet
Other:
  • Additional:Breakfast Bar, Ceiling Beamed, Ceiling Raised, Kitchen Island, Newly Painted, Pantry, Pull Down Stairs, Split Bedroom, Washer/Dryer Hookup, Woodwork Painted

Exterior Features

Lot:Bulkhead/Seawall,Irregular,Bayou,Shore - Natural,Shore - Seawall
Lot Dimensions:IRREGULAR
Zoning:County, Resid Single Family
Others:
  • Additional:Boat Slip, Dock, Hurricane Shutters, Shower, Yard Building, Deck Open, Porch Screened, Fenced Chain Link, Fenced Lot-All
Sewer:Septic Tank
Parking Features:Garage,Oversized
Principal Interest
$7,557
Taxes
$950

Home Price

$1,490,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$298,000
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:
$7,557.00

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,557.00 $949.88 $0.00 $8,506.87
Yearly $90,683.99 $11,398.50 $0.00 $102,082.49
Total $2,720,519.59 $341,955.00 $0.00 $3,062,474.59

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T07:16:22.000Z

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