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Harrison Lilly

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

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104 Bayou Dr , Niceville, FL 32578
$1,950,000
Est. Payment: $9,889.00/mo
4 Bed
4 Bath
3973 Sqft
Status: active | Days on site: 92
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This is the waterfront lifestyle so many dream about, truly a rare opportunity on beautiful Rocky Bayou in Niceville with approx. 276+/- ft of bay frontage, your own private boat launch, 3 boat lifts, a sparkling pool, private pond, and dolphins frequently swimming just beyond the backyard. Situated on two parcels (Parcel ID's 10-1S-22-2834-0000-0050 & 10-1S-22-2834-0000-0040), this one-of-a-kind property offers an incredible combination of waterfront living, boating convenience, and peaceful outdoor space. Home features 4 bedrooms and 4 full baths, with every bedroom offering its own en-suite bath for comfort and privacy. Inside, the spacious great room showcases a dramatic cathedral ceiling and a cozy wood-burning fireplace, creating an inviting centerpiece for gatherings and everyday living. The kitchen offers custom built-ins, well-maintained cabinetry, a breakfast nook overlooking the property, and an oversized dining room perfect for entertaining. Step outside and experience what makes this property truly exceptional -- expansive waterfront views, multiple outdoor living spaces, a beautifully updated pool, private dock access, and room to enjoy boating, fishing, paddle boarding, kayaking, or simply relaxing by the water. Recent improvements include: • Pool resurfaced/redone in 2025 • Dock redone in 2025 with protective plastic wrap around poles • All 3 HVAC systems replaced in 2025 • Roof replaced in 2018 • Brand new Workshop built in 2026 For your peace of mind the home has a whole house generator. Enoy your own private boat launch. 2 boat lifts, one 6000Lbs, one 25,000lbs. Double sea do lifts 4000lbs. Wrap around porches. Walk out basement to give you the best out door space. Whether you are searching for a primary residence, second home, or a true waterfront retreat, this Rocky Bayou property offers an extraordinary setting that is difficult to replicate.

Highlights

Listed by Cathy J Alley , 850-585-2303 and Debbie A Lowmiller , 850-217-6828 Berkshire Hathaway Home Services PenFed Realty , 850-729-0176. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
1.45

Year Built

1976

County

Okaloosa

Area

13 - Niceville

Neighborhood

Rocky Bayou Country Club Estates 5

Listing ID

1003304

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:4
Appliances:Cooktop, Dishwasher, Disposal, Refrigerator W/IceMk, Stove/Oven Electric, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Ceiling Vaulted, Fireplace, Washer/Dryer Hookup

Exterior Features

Lot:Within 1/2 Mile to Water,Bay,Bayou
Lot Dimensions:83x175x271x275x208
Zoning:Resid Single Family
Others:
  • Additional:Boat Launch, Boat Slip, Boatlift, Dock, Pool - Gunite Concrt, Sprinkler System, Deck Covered, Patio Open, Fenced Lot-Part
Parking Features:Boat,Carport Attached,Oversized
Principal Interest
$9,889
Taxes
$1,185

Home Price

$1,950,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$390,000
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:
$9,889.00

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,889.00 $1,184.91 $0.00 $11,073.92
Yearly $118,668.06 $14,218.94 $0.00 $132,887.00
Total $3,560,041.75 $426,568.20 $0.00 $3,986,609.95

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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