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

639 E Birkdale Cir , Niceville, FL 32578
$649,000
Est. Payment: $3,585.63/mo
4 Bed
3 Bath
2831 Sqft
Status: Active | Days on site: 13
Get Pre-Qualified
EEX5 - TEEX51,E33495
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

Welcome to 639 Birkdale Circle, located in the Bluewater Bay area of Niceville. Offering an impressive 2,830 square feet of living space, this 4-bedroom, 3-full-bath home combines generous room sizes, thoughtful updates, and multiple indoor and outdoor living spaces. The interior features separate living and family rooms, providing plenty of flexibility for entertaining and everyday living. A dramatic oversized fireplace creates a striking focal point in the living room. The kitchen was completely updated in 2023 and features granite countertops, double ovens, a dedicated coffee bar, and plenty of space for meal preparation and gathering. All three bathrooms were also updated in 2023 with granite countertops, including one featuring a modern soaking tub. Additional improvements include updated lighting, removal of the popcorn ceilings, new tile flooring in the primary suite, and plumbing converted to PEX in 2021. Outdoor living is another highlight of this property. A large screened porch extends the downstairs living space, while the primary suite enjoys access to its own second screened porch. The expansive backyard provides even more room to enjoy the outdoors and features a fire pit for evenings outside. With 4 bedrooms, 3 full bathrooms, multiple living areas, two screened porches, extensive updates, and a Bluewater Bay location, 639 Birkdale Circle offers an exceptional combination of space, functionality, and updated finishes. No HOA.

Highlights

Listed by Hiller Group , and Christopher A Imel , 850-733-7131 EXP Realty LLC , 850-582-7653. Emerald Coast Multiple Listing Services

Property Type

Residential

Year Built

1985

County

Okaloosa

Area

13 - Niceville

Neighborhood

St Andrews West Bluewater Bay 3

Listing ID

1012631

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Dishwasher, Disposal, Microwave, Oven Double, Refrigerator, Stove/Oven Electric
Floor:Floor Hardwood,Floor Tile
Other:
  • ▪ Additional:Ceiling Vaulted, Fireplace

Exterior Features

Lot Dimensions:90X190
Zoning:Resid Single Family
Others:
  • ▪ Additional:Balcony, Porch Screened
Sewer:Public Sewer
Principal Interest
$3,586
Taxes
$414

Home Price

$649,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$129,800
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:
$3,585.63

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,585.63 $413.74 $0.00 $3,999.37
Yearly $43,027.58 $4,964.85 $0.00 $47,992.43
Total $1,290,827.35 $148,945.50 $0.00 $1,439,772.85

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