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Harrison Lilly Team

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

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1307 Windward Cir , Niceville, FL 32578
$679,000
Est. Payment: $3,751.38/mo
3 Bed
2 Bath
2440 Sqft
0.43 Acres
Status: Active | Days on site: 26
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Harrison Lilly Team
Owner/Operator

House Description

Private Beach, Gated & Completely Renovated Tucked behind private gates in Windward at Bluewater Bay, 1307 Windward Cir belongs to one of the few communities in the area with a residents only beach and dock. The home itself has been completely renovated from top to bottom, with a New Roof, HVAC, and Water Heater already in place, move in ready, with nothing left to do but enjoy it. Arrive to the spacious brick paver driveway and stunning glazed double front door entry. Inside, a soaring brick fireplace rises from the floor to the vaulted ceilings as a freestanding centerpiece between the entry and the step down living room, giving the open floor plan a striking architectural anchor. Fresh paint, wide plank luxury vinyl flooring, and seventeen new-oversized windows carry natural light through every room. The fully renovated kitchen pairs quartz countertops with a custom range hood, and a full tile backsplash, alongside a coffee bar and dedicated wine storage. A window over the sink frames the kitchen, while separate formal and informal dining spaces make room for everything from weeknight dinners to holiday gatherings. The primary suite is its own retreat: an exposed wood beam overhead, two closets (one a full walk-in), and a spa bath centered on a peninsula quartz vanity beneath a double-sided hanging mirror. A garden tub sits against a shiplap accent wall in a soft coastal hue echoed throughout the home's cabinetry, and the fully tiled walk-in shower features dual shower heads. Outdoor living is just as abundant, with three patios, a screened porch leading to the back deck, and a sunroom connected by French doors. Nearly every room opens onto its own piece of the outdoors. Beyond the gate, Bluewater Bay offers resort caliber amenities: three pools, a five-acre tennis and pickleball complex, a full-service marina with 120 boat slips, disc golf, miles of walking and biking trails, restaurants, and gated boat and RV storage. All this, just a short drive across the Mid-Bay Bridge from Destin's beaches, shopping, and dining. Completely renovated and set inside one of Niceville's most private communities, 1307 Windward Cir is ready for its next owner.

Highlights

Listed by Emily Ann H Sumner , 417-499-1795 and Derrick A Sumner , 360-229-3252 Sumner Realty LLC , 360-229-3252. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.43

Year Built

1986

County

Okaloosa

Area

13 - Niceville

Neighborhood

Windward Ph 1 Bluewater Bay

Listing ID

1010762

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Freezer, Microwave, Oven Self Cleaning, Range Hood, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Vinyl
Other:
  • ▪ Additional:Ceiling Beamed, Ceiling Cathedral, Ceiling Vaulted, Fireplace, Kitchen Island, Lighting Recessed, Newly Painted, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Interior,Level,Within 1/2 Mile to Water
Lot Dimensions:102x152x136x152
Zoning:Resid Single Family
Others:
  • ▪ Additional:Deck Open, Patio Enclosed, Patio Open
Sewer:Public Sewer
Principal Interest
$3,751
Taxes
$364

Home Price

$679,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$135,800
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:
$3,751.38

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,751.38 $364.45 $0.00 $4,115.82
Yearly $45,016.53 $4,373.37 $0.00 $49,389.90
Total $1,350,495.79 $131,201.10 $0.00 $1,481,696.89

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: 2026-10-07T11:00:03.000Z

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