Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

1000 Bay Dr Unit 528 , Niceville, FL 32578
$274,250
Est. Payment: $1,515.19/mo
2 Bed
2 Bath
1422 Sqft
0.07 Acres
Status: Active | Days on site: 26
Get Pre-Qualified
EMAX - E4479,E9642
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Affordable, Easy, Low-Maintenance living in the heart of Bluewater Bay! This beautifully maintained one-story, 1,422 sq ft, End-Unit Patio Home offers 2 bedrooms, 2 bathrooms, a flexible bonus space, private courtyard, & backyard- all in a desirable master-planned community known for its exceptional lifestyle & amenities. Inside, the open-concept living & dining areas feature beautiful wood flooring & flow into a versatile bonus space ideal for a home office, hobby room, reading area, or possibly an additional 3rd Bedroom conversion. The well-sized kitchen offers ample cabinet storage, space for casual dining, new refrigerator (2025), & sliding glass doors opening to a charming private paver courtyard. Whether you're enjoying your morning coffee, tending a few garden plants, or gathering with friends, this outdoor space adds another layer of livability & charm. Both bedrooms feature spacious layouts, with walk-in closets. The primary suite includes an en-suite bathroom, with oversized vanity, & Shower with grab bar entry. private access to the paved patio and backyard. A dedicated laundry room with washer and dryer adds convenience. Enjoy the benefits of low-maintenance ownership, with the HOA covering exterior landscaping, siding, and roof. The roof is approximately 8-10 years old, and the HVAC was replaced in 2022. As an end unit, this home offers added privacy and a wonderful outdoor setting tucked in amongst beautiful mature trees & greenery. (READ MORE) Bluewater Bay places recreation & relaxation just minutes from your door. The Bluewater Bay Marina Complex is approximately 0.8 miles away & offers boat slips, storage, fuel, ship supplies, & waterfront dining at local favorite LJ Schooners Restaurant & Oyster Bar - a wonderful place to gather with friends, enjoy a meal, & watch the sunset over the water. The community pool is approximately 0.4 miles away, while the Bluewater Bay Tennis & Pickleball Center is approximately 0.6 miles away & features lit clay courts & a full-service clubhouse. Golf enthusiasts will love being approximately 1 mile from Bluewater Bay Golf Club, featuring 18 holes of championship golf designed by Tom Fazio & Jerry Pate. The community also offers disc golf, walking paths, tree-lined streets, & two parks with playgrounds. You are also an easy, appropriately 10 miles, from the World Famous White Sand Beaches & the sparkling Emerald Green Waters of the Gulf! Whether you're looking for a full-time residence, second home, or an easy-care coastal lifestyle, this Bluewater Bay patio home offers the opportunity to spend more time enjoying where you live! Call Your Realtor today to schedule a Tour! * In Addition to the HOA Fee - Insurance is paid by the owners in two installments in May and June. This year (2026) the total for 528 was $2,293.01, but it varies from year to year.

Highlights

Listed by Karen K Martineau , 850-499-6930 and Glenda W Lichorwic , 850-496-1400 RE/MAX Coastal Properties , 850-837-9900. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

Lot/Acreage
0.07

HOA Fee

Year Built

1982

County

Okaloosa

Area

13 - Niceville

Neighborhood

Royal Oak Villas Bluewater Bay

Listing ID

1011665

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Dryer, Microwave, Range Hood, Refrigerator, Smooth Stovetop Rnge, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • ▪ Additional:Ceiling Vaulted, Washer/Dryer Hookup

Exterior Features

Lot:Corner,Covenants,Dead End,Golf Course,Level,Restrictions
Lot Dimensions:69x43x68x43
Zoning:Resid Single Family
Others:
  • ▪ Additional:Lawn Pump, Sprinkler System, Patio Enclosed, Patio Open, Fenced Lot-Part
Sewer:Public Sewer
Principal Interest
$1,515
Taxes
$249
HOA
$0

Home Price

$274,250

Loan Details

30 yrs
7.374%

Down Payment

20%
$54,850
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:
$1,515.19

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,515.19 $248.64 $0.00 $1,763.83
Yearly $18,182.30 $2,983.66 $0.00 $21,165.96
Total $545,469.03 $89,509.80 $0.00 $634,978.83

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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: 2026-10-07T11:00:03.000Z

© 2026 Emerald Coast Multiple Listing Services