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Harrison Lilly

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

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831 Coldwater Creek Cir , Niceville, FL 32578
$650,000
Est. Payment: $3,296.68/mo
3 Bed
3 Bath
2481 Sqft
Status: active | Days on site: 12
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Welcome to 831 Coldwater Circle where every day feels like a retreat. This beautifully maintained custom home offers the perfect blend of comfort, flexibility, and the Emerald Coast lifestyle you've been dreaming of. The main home features 2 bedrooms and 2 baths, while the private 1 bedroom, 1 bath casita is ideal for guests, multigenerational living, a home office, or added income potential. Spend your afternoons cooling off in the wading pool, enjoy peaceful mornings with coffee in your private backyard, and take evening walks through one of Niceville's most loved neighborhoods filled with bike riders, friendly neighbors, and dog walkers. Just minutes from Eglin Air Force Base, Naval School EOD, top rated schools, and the sugar-white beaches of Destin, you'll enjoy the best of the Emerald Coast without the everyday traffic. Whether you're looking for a forever home, a weekend escape, or a smart investment, 831 Coldwater Circle is more than a home it's a lifestyle waiting to be lived.
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Highlights

Listed by Danielle F King , 850-374-3137 Sage Counsel Realty LLC , 850-374-3137. Emerald Coast Multiple Listing Services

Property Type

Residential
Lot/Acreage
0.38

HOA Fee

Year Built

2004

County

Okaloosa

Area

13 - Niceville

 Neighborhood

Swift Creek Ph Vi

Listing ID

1009264

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Auto Garage Door Opn, Central Vacuum, Cooktop, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Range Hood, Refrigerator W/IceMk, Security System, Smoke Detector, Stove/Oven Gas, Water Heater - Gas
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace Gas
Floor:Floor Tile,Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Built-In Bookcases, Ceiling Crwn Molding, Ceiling Tray/Cofferd, Fireplace, Guest Quarters, Lighting Recessed, Pantry, Pull Down Stairs, Split Bedroom, Washer/Dryer Hookup, Woodwork Stained

Exterior Features

Lot:Covenants,Level,Sidewalk,Survey Available
Lot Dimensions:153 x 135
Zoning:Resid Single Family
Others:
  • ▪ Additional:Lawn Pump, Separate Living Area, Sprinkler System, Patio Enclosed, Porch Screened, Fenced Lot-Part, Fenced Privacy
Sewer:Public Sewer
Principal Interest
$3,297
Taxes
$478
HOA
$0

Home Price

$650,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$130,000
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:
$3,296.68

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,296.68 $478.05 $0.00 $3,774.72
Yearly $39,560.13 $5,736.56 $0.00 $45,296.69
Total $1,186,803.85 $172,096.80 $0.00 $1,358,900.65

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: 2026-08-20T07:16:22.000Z

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