Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

109 Raiders Trl , Valparaiso, FL 32580
$479,000
Est. Payment: $2,646.41/mo
3 Bed
2 Bath
1850 Sqft
0.19 Acres
Status: Pending | Days on site: 3
Get Pre-Qualified
EBP8 - E34709,E00057
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

The backyard you've been waiting for comes with an incredible house, too. Inside and out, this single-level Valparaiso home feels anything but ordinary. From the herringbone detail on the front porch to the elevated finishes, the difference is in the details. The layout feels bright, connected, and remarkably spacious, with transom windows, pocket doors, stylish lighting, and durable LVP and tile flooring adding to the custom feel throughout the main living areas. The kitchen is a standout and a particularly smart use of space. An oversized island anchors the room, complemented by Bosch stainless steel appliances, a gas range, soft-close cabinetry, a pantry, dry bar, recessed lighting, and plenty of storage. The primary suite has plenty of room for a king-size bed and features a double vanity and oversized tiled walk-in shower. Two additional bedrooms and a shared-access full bath complete the home, with carpet adding comfort in the guest bedrooms. Then there's the outdoor space. Set on nearly a quarter-acre, the spacious fenced yard leaves plenty of room to imagine what comes next: maybe a pool, summer kitchen, garden, play space, or simply more room to enjoy being outside. The screened back porch is already in place for morning coffee, dinner off the grill, or winding down at the end of the day. Gutters and a sprinkler system add everyday practicality. There is also an active termite plan that can transfer to the Buyer. The location makes everyday life convenient, too. Sidewalks run through the neighborhood, and the home is approximately 6 miles from Eglin AFB, 12 miles from Duke Field, 17 miles from Hurlburt Field, and just 4 miles from Destin-Fort Walton Beach Airport. This property is also zoned for Niceville High School. Beyond the gorgeous home itself, there is clear value for the next owner. The sellers are offering up to $10,000 toward the buyer's closing costs with an accepted offer. An eligible VA buyer may also have the opportunity to assume the sellers' attractive 2.25% VA loan, subject to qualification and approval. If you've been looking for the right combination of home, yard, location, and value...this might just be the one.

Highlights

Listed by Holly W D'Arcy , 813-679-0360 Berkshire Hathaway HomeServices , 850-502-5995. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.19

HOA Fee

Year Built

2021

County

Okaloosa

Area

13 - Niceville

Neighborhood

Raiders Landing

Listing ID

1009261

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Stove/Oven Gas, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl,Floor WW Carpet
Other:
  • ▪ Additional:Kitchen Island, Lighting Recessed, Pantry

Exterior Features

Lot Dimensions:60 x 135
Zoning:Resid Single Family
Others:
  • ▪ Additional:Rain Gutter, Fenced Back Yard, Sprinkler System, Porch, Porch Screened, Fenced Lot-Part
Sewer:Public Sewer
Principal Interest
$2,646
Taxes
$454
HOA
$0

Home Price

$479,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$95,800
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:
$2,646.41

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,646.41 $453.90 $0.00 $3,100.30
Yearly $31,756.87 $5,446.78 $0.00 $37,203.65
Total $952,706.16 $163,403.40 $0.00 $1,116,109.56

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
Market insight data is pulled from the same city as the listing being viewed (Valparaiso, 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

© 2026 Emerald Coast Multiple Listing Services