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Harrison Lilly Team

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

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449 Ruckel Dr , Niceville, FL 32578
$569,900
Est. Payment: $3,148.62/mo
4 Bed
2 Bath
2352 Sqft
0.43 Acres
Status: Pending | Days on site: 96
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EPN1 - E9485,E35100
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Harrison Lilly Team
Owner/Operator

House Description

Assumable VA loan with 2.75% interest rate! Located in Rocky Bayou Country Club Estates, this beautiful all brick 4 bedroom home offers an inviting blend of comfort, style, and privacy. Filled with natural light and thoughtfully designed living spaces, the home features an open flow ideal for both everyday living and entertaining. The kitchen is both functional and attractive, featuring quartz countertops, stainless steel appliances, a gas range, breakfast bar, and dining area, all open to the main living space. Spacious living room features recessed lighting, a corner gas fireplace, and views of the screened Florida room and backyard. A split bedroom layout provides privacy, with the Master suite tucked away from the additional bedrooms for added separation and comfort. Two secondary bedrooms and a full bath are located on the opposite side of the home, while a fourth bedroom near the front offers flexibility for guests, an office, or additional privacy. Updated flooring, fresh carpet, and neutral finishes create a warm, move-in ready feel throughout. Enloy quiet mornings or relaxed evenings in the screened Florida room overlooking the spacious backyard and peaceful natural setting. Major improvements include a 2020 Roof, 2023 HVAC, and 2020 Water Heater. Conveniently located near schools, shopping, dining, and Rocky Bayou Country Club amenities, this home offers comfort, flexibility, and a location that makes everyday living easy.

Highlights

Listed by Vicki M Alexander , 850-217-0587 Berkshire Hathaway Home Services PenFed Realty , 850-729-0176. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.43

Year Built

2000

County

Okaloosa

Area

13 - Niceville

Neighborhood

Rocky Bayou Country Club Estates 9

Listing ID

1004371

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Refrigerator, Refrigerator W/IceMk, Stove/Oven Gas, Water Heater - Gas
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace Gas,Fireplace
Floor:Floor Hardwood,Floor Tile,Floor WW Carpet
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Crwn Molding, Ceiling Raised, Ceiling Tray/Cofferd, Lighting Recessed, Newly Painted, Pantry, Pull Down Stairs, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Cleared,Covenants,Curb & Gutter,Interior,Restrictions,Wooded
Lot Dimensions:100 x 161 x 114 x 200
Zoning:Resid Single Family
Others:
  • ▪ Additional:Balcony, Sprinkler System, Deck Open, Patio Enclosed, Porch Screened, Fenced Lot-Part, Fenced Privacy
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$3,149
Taxes
$169

Home Price

$569,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$113,980
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:
$3,148.62

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,148.62 $168.75 $0.00 $3,317.37
Yearly $37,783.38 $2,025.00 $0.00 $39,808.38
Total $1,133,501.55 $60,750.00 $0.00 $1,194,251.55

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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