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Harrison Lilly Team

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

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4156 Beach Dr , Niceville, FL 32578
$2,225,000
Est. Payment: $12,292.80/mo
5 Bed
3.5 Bath
4400 Sqft
0.7 Acres
Status: Active | Days on site: 159
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WCR01 - 16146
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Harrison Lilly Team
Owner/Operator

House Description

This Mediterranean-style waterfront home invites you to make Rocky Bayou part of your everyday life. Enjoy morning coffee overlooking the water, boating or fishing from your private pier, and evenings on the screened porch. Beyond the tranquility of this setting, its elevated position and history of never flooding, according to the seller, add to its waterfront appeal. Approximately 0.7 acre and 142 feet of direct waterfront create a spacious setting with expansive views toward Choctawhatchee Bay and the Destin skyline. A newly built 100-foot pier with flow-through fiberglass decking gives you your own place on the water. Authentic Mexican Saltillo tile, solid wood doors, and a stone masonry fireplace bring distinctive character to the home. Large windows frame the views, and the kitchen and breakfast nook overlook the bayou. Granite countertops, recently refurbished kitchen flooring, copper-accented LED lighting, and brand-new, never-used 2025 appliances complete the kitchen. The sliding glass door to the back porch has been replaced. An independent guest apartment beside the main residence includes its own kitchen, living and dining areas, laundry, storage, heated garage, and below-grade storm shelter/safe room. It offers extended family, adult children, and guests the freedom of their own space. Potential long-term rental or Airbnb use is subject to applicable rules and requirements. A circular driveway connects the residences, while a loft office and spacious bonus room add versatility to the main home. The seller reports that the property has never flooded. Two independent residences, a private pier, and an expansive waterfront setting—a place to enjoy your privacy and welcome the people you love.

Highlights

Listed by Heidy Miner , 850-501-4743 Poppy Properties LLC , 850-637-6664. Pensacola Association of REALTORS®, Inc.

Property Type

Residential

Lot/Acreage
0.7

Year Built

1991

County

Okaloosa

Neighborhood

None

Listing ID

680757

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3.5
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Gas Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Brick,Concrete,Stone,Tile,Carpet
Other:
  • ▪ Additional:Bonus Room, Gym/Workout Room, Office/Study
Water:Public

Exterior Features

Lot:Central Access,Bay,Waterfront,Block/Seawall,Pier
Garage Capacity:2
Zoning:County
Roof:Shingle
Others:
  • ▪ Additional:Dock, Boat Slip, Resale
Sewer:Public Sewer
Parking Features:2 Car Garage,Circular Driveway
Principal Interest
$12,293
Taxes
$1,418

Home Price

$2,225,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$445,000
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Monthly Price:
$12,292.80

Principal

Taxes

Principal Taxes HOA Total
Monthly $12,292.80 $1,418.44 $0.00 $13,711.24
Yearly $147,513.65 $17,021.25 $0.00 $164,534.90
Total $4,425,409.62 $510,637.50 $0.00 $4,936,047.12

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 Pensacola Association of REALTORS®, Inc., and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T11:45:26.000Z

© 2026 Pensacola Association of REALTORS®, Inc.