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Harrison Lilly

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

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200 White St Unit 6 , Niceville, FL 32578
$229,000
Est. Payment: $1,161.44/mo
2 Bed
2 Bath
1003 Sqft
Status: pending | Days on site: 187
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Under Contract but accepting back up offers. This property is highly recommended for viewing. It has been completely remodeled and is ready for immediate occupancy, with all updates completed for the convenience of the new owner. The residence offers the added benefit of an available boat slip. The assumable VA loan features an exceptional interest rate of 3.2% or you have the option to purchase without assuming the VA loan. Prospective owners can enjoy this two-bedroom, two-bathroom unit with water access, located in a safe and peaceful neighborhood. Renovations include new paint throughout, upgraded baseboards, flooring, ceiling fans, recessed lighting, and stainless steel appliances. Both bathrooms feature updated plumbing, granite countertops, new decking, toilets and tubs, improved hardware and enhanced lighting. The shower walls have been elegantly tiled, among many additional improvements. Residents may savor their morning coffee while overlooking the bayou from the private back deck, or take leisurely walks to the dock to observe dolphins and birds in their natural habitat. This exceptional retreat provides an opportunity to make nature's paradise your own backyard. Insurance was $1431.00 in 2025. No flood insurance required.

Highlights

Listed by John J Lavin , 850-496-7240 The Beach Group Properties LLC , 850-231-9007. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1986

County

Okaloosa

Area

13 - Niceville

Neighborhood

Swift Bayou T/H

Listing ID

993325

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Disposal, Microwave, Refrigerator W/IceMk, Smooth Stovetop Rnge, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Other:
  • Additional:Lighting Recessed, Newly Painted, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Within 1/2 Mile to Water
Zoning:City, Resid Single Family
Others:
  • Additional:Boat Slip, Deck Covered, Porch
Sewer:Public Sewer
Parking Features:Boat,Carport Attached
Principal Interest
$1,161
Taxes
$146
HOA
$0

Home Price

$229,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$45,800
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:
$1,161.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,161.44 $145.99 $0.00 $1,307.43
Yearly $13,937.34 $1,751.85 $0.00 $15,689.19
Total $418,120.13 $52,555.50 $0.00 $470,675.63

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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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