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Harrison Lilly Team

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

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104 Regatta Dr Unit 104 , Niceville, FL 32578
$530,000
Est. Payment: $2,928.17/mo
3 Bed
3 Bath
1428 Sqft
0.1 Acres
Status: Active | Days on site: 6
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ERWE - E2879,E27756
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Harrison Lilly Team
Owner/Operator

House Description

Waterfront Townhome on Boggy Bayou. Experience premier waterfront living in this Boggy Bayou townhome, offering direct deep-water access and flexible space for full-time residents, second-home buyers, or boating enthusiasts. The private dock is ideal for fishing, enjoying sunsets, or setting out for the Gulf of Mexico, while scenic bayou views enhance the kitchen and main living area. Upstairs, the primary bedroom and bathroom open to a private balcony with exceptional views; this level also includes a second bedroom, and an additional full bathroom, and a laundry area. A smaller bedroom is located downstairs as well as the half bathroom. The main-floor kitchen and living area feature a welcoming corner fireplace. Outdoor entertaining spaces include a lower-level porch with a built-in wet bar and a waterfront patio. Community amenities include nearby tennis courts, a recently repaired and resurfaced swimming pool, and fenced storage for RVs, boats, and trailers, available. Stroll beneath mature oaks and magnolias, watch dolphins in the bayou, and enjoy the immediate lifestyle appeal and long-term potential of this distinctive property. Favorable seller-financing terms are available.

Highlights

Listed by Joyce W Zaidi , 850-585-3902 and Eva J Mathews , 850-333-2202 Realty West , 850-892-2663. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

Lot/Acreage
0.1

HOA Fee

Year Built

1983

County

Okaloosa

Area

13 - Niceville

Neighborhood

Water Oaks

Listing ID

1012787

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl,Floor WW Carpet
Other:
  • ▪ Additional:Breakfast Bar, Fireplace, Lighting Recessed, Pantry, Split Bedroom

Exterior Features

Lot:Covenants,Cul-De-Sac,Easements,Restrictions,Sidewalk,Survey Available,Within 1/2 Mile to Water,Bayou
Lot Dimensions:18' x 225'.55' x 18'.1' x 226'.34'
Zoning:City, Resid Multi-Family
Others:
  • ▪ Additional:Balcony, Dock
Sewer:Public Sewer
Parking Features:Boat,Guest,RV
Principal Interest
$2,928
Taxes
$430
HOA
$0

Home Price

$530,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$106,000
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:
$2,928.17

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,928.17 $430.20 $0.00 $3,358.37
Yearly $35,138.08 $5,162.34 $0.00 $40,300.42
Total $1,054,142.52 $154,870.20 $0.00 $1,209,012.72

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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