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Harrison Lilly Team

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

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231 Windward Cove , Niceville, FL 32578
$845,000
Est. Payment: $4,668.50/mo
5 Bed
3 Bath
2773 Sqft
0.41 Acres
Status: Active | Days on site: 15
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EZEL - E27468
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Harrison Lilly Team
Owner/Operator

House Description

2.375% assumable VA Loan! Beautiful executive home located in one of Bluewater Bay's premier gated waterfront communities, featuring a private beach and community dock perfect for swimming, paddleboarding, and kayaking. Situated on a spacious corner lot, this exceptional home offers a private pool, covered back porch, and fully fenced backyard--ideal for entertaining and enjoying the Florida lifestyle. Inside, soaring two-story ceilings create an impressive sense of space in the family room, which flows seamlessly into the updated kitchen. The kitchen features white cabinetry, granite countertops, stainless steel appliances, and a large walk-in pantry. The spacious first-floor primary suite offers a large walk-in closet with custom built-ins and a beautifully renovated primary bathroom featuring a spa tub, dual vanities, and a stunning walk-in stone shower with built-in seating. Two additional bedrooms and a full bathroom are also located on the first floor, along with a versatile flex room that can be used as an office or additional living space. Upstairs, you'll find two additional bedrooms, a loft, and a Jack-and-Jill bathroom. The expansive covered back porch overlooks the private swimming pool and spacious fenced backyard, providing plenty of room for outdoor entertaining! Additional features include a large driveway with ample parking and a cul-de-sac area. This exceptional property combines generous living space, thoughtful updates, and access to outstanding waterfront amenities in a highly desirable Bluewater Bay location. **Major Upgrades include carpet, paint, trim, custom shelving, added 5th bedroom, pool safety fence, backyard fence, interior doors, primary bath & upstairs bath remodel, ceiling fans, 2021 roof & 2021 water heater. Schedule a showing today!

Highlights

Listed by Zarina S Ellis , 910-789-3656 Ellis Realty LLC , 910-789-3656. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.41

HOA Fee

Year Built

1992

County

Okaloosa

Area

13 - Niceville

Neighborhood

Windward Ph 3

Listing ID

1011517

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Water Heater - Gas
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace Gas,Fireplace
Floor:Floor Hardwood,Floor Tile,Floor WW Carpet
Other:
  • ▪ Additional:Ceiling Cathedral, Lighting Recessed, Pantry, Washer/Dryer Hookup, Woodwork Painted

Exterior Features

Lot:Corner,Cul-De-Sac
Lot Dimensions:100x150x94x150
Zoning:Resid Single Family
Others:
  • ▪ Additional:Fenced Back Yard, Pool - Vinyl Liner, Patio Covered
Sewer:Public Sewer
Parking Features:Garage,Oversized
Principal Interest
$4,669
Taxes
$509
HOA
$0

Home Price

$845,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$169,000
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:
$4,668.50

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,668.50 $508.87 $0.00 $5,177.37
Yearly $56,022.04 $6,106.44 $0.00 $62,128.48
Total $1,680,661.18 $183,193.20 $0.00 $1,863,854.38

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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