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Harrison Lilly Team

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

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102 Black Bear Cir , Niceville, FL 32578
$639,900
Est. Payment: $3,535.36/mo
4 Bed
3 Bath
2131 Sqft
0.27 Acres
Status: Active | Days on site: 34
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EDR4 - E22605
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to this stunning, perfectly sized 4-bedroom, 3-full-bath home in Swift Creeks The Preserve! The desirable split-bedroom floor plan offers privacy and flexibility, with a spacious primary suite featuring a large walk-in closet, double vanity, and stand-up shower. One additional bedroom has convenient private access to a full bathroom, while two more bedrooms are located on the north side of the home. Freshly painted in 2026 favorite colors, the home feels warm, stylish, and inviting, beautifully complementing the natural tones of the hardwood floors. You'll love the updates throughout, including a new roof in 2025, gas water heater installed in 2025, and HVAC replaced in 2021. The kitchen features a gas stove, and a gas line is ready for your outdoor grill. A mini-split in the garage adds comfort and versatility, while a 9-camera security system provides added peace of mind. Outside, enjoy the fully fenced backyard and covered screened patio--perfect for relaxing or entertaining. The owners recently had trees removed, creating a blank slate for the next owner to design beautiful landscaping and make the outdoor space their own. With thoughtful updates, a functional floor plan, and inviting indoor and outdoor spaces, this move-in-ready home is ready for its next chapter!

Highlights

Listed by Heather Blatz , 850-830-8980 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.27

HOA Fee

Year Built

2011

County

Okaloosa

Area

13 - Niceville

Neighborhood

Preserve At Swift Creek

Listing ID

1010360

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Oven Double, Refrigerator W/IceMk, Smoke Detector, Warranty Provided, Water Heater - Gas
Air Cond:Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • ▪ Additional:Lighting Recessed, Pantry, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Cul-De-Sac,Level
Lot Dimensions:50.27x136.39x122.41x181.59
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Fenced Back Yard, Patio Open, Porch Screened, Fenced Privacy
Parking Features:Guest
Principal Interest
$3,535
Taxes
$423
HOA
$0

Home Price

$639,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$127,980
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:
$3,535.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,535.36 $423.14 $0.00 $3,958.50
Yearly $42,424.26 $5,077.71 $0.00 $47,501.97
Total $1,272,727.92 $152,331.30 $0.00 $1,425,059.22

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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