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Harrison Lilly

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

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1590 Ruckel Dr , Niceville, FL 32578
$649,500
Est. Payment: $3,293.80/mo
3 Bed
3 Bath
2818 Sqft
Status: active | Days on site: 11
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Rocky Bayou Country Club Estates, where timeless curb appeal and exceptional amenities come together on a beautifully refreshed .37-acre lot. Set back from the street with an expansive front yard, the home makes a memorable first impression. A partial wraparound front porch, screened-in gunite pool, and fenced backyard create inviting places to relax, gather, and enjoy the Florida lifestyle. Beyond the soaring two-story foyer, the first floor includes a generous primary suite and an oversized flex room that is larger than most bedrooms. Whether used as a playroom, media room, fitness space, or guest quarters this versatile space can adapt to a variety of needs. Additional gathering spaces include a living room anchored by a brick fireplace, a formal dining room, and a bright breakfast area surrounded by windows. The well-appointed kitchen features a center island, abundant cabinetry and counter space, a brand-NEW 2026 range, and a window above the sink overlooking the front yard. A dedicated laundry room + drop zone add functionality, while the half bathroom conveniently provides a second access point to the pool patio. The primary bedroom is a true retreat with a spa-inspired bathroom featuring an indoor sauna, Jacuzzi tub, dual vanities, and a tiled walk-in shower. The showstopping custom closet provides extensive built-in storage, abundant hanging space, and a center island with drawers (photo upon request). Upstairs, you'll find two additional bedrooms, a full bathroom, and a convenient desk nook. One bedroom is especially spacious, comfortably accommodating two beds and featuring its own walk-in closet. Outside, the screened-in gunite swimming POOL is surrounded by a paver deck with plenty of room for lounging and entertaining. Beyond the pool, the fenced backyard provides ample green space, intentional landscaping, and a dedicated firepit area. Additional highlights include a BRAND NEW 2026 roof, NEW pool pump being installed August 2026, 2022 HVAC, tankless water heater, oversized 2-car garage, gutters, sprinkler system, full landscaping refresh, and completed pre-listing home inspection. Zoned for Niceville schools, the property is convenient to military bases, the airport, dining, retail, and the beach. Eligible VA buyers may have the opportunity to assume the seller's 2.375% VA loan, subject to lender approval, qualification requirements, and sufficient entitlement. With flexible living space, an intentional layout, valuable recent improvements, and a sought-after Niceville location, this home truly stands apart.

Highlights

Listed by Holly W D'Arcy , 813-679-0360 Berkshire Hathaway HomeServices , 850-502-5995. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.37

HOA Fee

Year Built

1988

County

Okaloosa

Area

13 - Niceville

Neighborhood

Rocky Bayou Country Club Estates 6

Listing ID

1007836

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Refrigerator, Smooth Stovetop Rnge, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace
Floor:Floor Hardwood,Floor Tile,Floor WW Carpet
Other:
  • Additional:Built-In Bookcases, Ceiling Crwn Molding, Ceiling Tray/Cofferd, Fireplace, Kitchen Island, Pantry

Exterior Features

Lot Dimensions:110 x 173 x 80 x 174
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Fenced Back Yard, Pool - Enclosed, Pool - Gunite Concrt, Porch Open, Porch Screened
Sewer:Septic Tank
Parking Features:Oversized
Principal Interest
$3,294
Taxes
$260
HOA
$0

Home Price

$649,500

Loan Details

30 yrs
6.528%

Down Payment

20%
$129,900
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:
$3,293.80

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,293.80 $260.21 $0.00 $3,554.01
Yearly $39,525.59 $3,122.54 $0.00 $42,648.13
Total $1,185,767.75 $93,676.20 $0.00 $1,279,443.95

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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