$555,741Average Value$248Average Price per Sq Ft35Homes For Sale
Bluewater Bay offers waterfront living, amenities and top schools
Bluewater Bay is a master-planned community east of Niceville. It rests on the shores of Choctawhatchee Bay, and residents spend their days watching sunsets from their decks, boating or driving golf carts to the various amenities—from golf courses to pools—near their homes. The Bluewater Bay Municipal Services Benefit Unit, or MSBU, has a board of directors that oversees maintenance, including roads, streetlights and irrigation systems. With a Cap Index Crime Score of 3 out of 10, compared to the national average of 4, and top-rated schools, Bluewater Bay draws families, many of whom stick around. “Most people don’t even lock their doors, it’s that safe,” says Joe Fagundes, a real estate agent with Berkshire Hathaway HomeServices PenFed Realty and president of the Windward subdivision’s HOA. “We moved here 20 years ago, raised our kids here and don’t plan on leaving anytime soon.”
Wide range of home styles and prices across various subdivisions
With nearly 4,000 homes across 73 subdivisions, Bluewater Bay accommodates many budgets and lifestyles. Most subdivisions have their own HOAs, separate from the MSBU, that oversee architectural review, landscaping and more. Florida state Road 20 divides the community, and Fagundes notes this can affect home prices. “On the southwest side, most homes are $450,000 and higher—up to $2 million on the bayfront,” he explains. “If you go across the road, there is more affordable housing, between $300,000 and up to $1 million. But I’d estimate that 60% of homes in all of Bluewater Bay are $500,000 or less.” Addie’s Place is the newest subdivision, featuring recently built New Traditional homes. Southwind and Windward are gated on the golf course. “Both have waterfront,” Fagundes says. “Sunset Beach within Southwind has a long community building with a pier, and Windward has its own pier just for neighborhood residents.” Throughout Bluewater Bay, single-story New Traditional, bungalow and ranch-style homes can cost $280,000 to $490,000, while Colonial Revival, two-story New Traditional, Mediterranean-style and contemporary houses can run from $500,000 to $780,000. Waterfront properties may range from $800,000 to $2.5 million. Townhouses and condos are available, mostly near the bay, and can cost $170,000 to $530,000, depending on age and location.
Residents enjoy golf, tennis and bay access in their neighborhood
Walking trails lead to all kinds of recreation. Aside from a full access package to the neighborhood’s three pools, the community doesn’t provide all-inclusive memberships for its amenities; each facility has its own fee. But the playgrounds at Abram’s and Woodlands parks are free. There’s a 9-basket disc golf course, the semi-private Golf Club and Bluewater Bay with 18 holes and the Bluewater Bay Tennis Center, offering clinics, camps and lessons on its 12 clay courts. The community recently added pickleball courts. “Many people play golf and tennis, but more people are on the water,” Fagundes says. Some residents store boats at the neighborhood marina, others have private docks. Just outside Bluewater Bay, Fred Gannon Rocky Bayou State Park has slipways. “The state park is heavily used,” Fagundes says. “The boat launches lead directly into Rocky Bayou, which puts you into the Choctawhatchee Bay.” The park also offers campsites and hiking trails under the shade of live oaks. Plus, the Emerald Coast’s scenic beaches, known for their white sand and clear waters, are a short drive away.
A’s for Bluewater Bay’s zoned schools
The Okaloosa County School District serves the neighborhood. Bluewater Bay Elementary and Ruckel Middle earn an A-minuses from Niche. Niceville High gets an A and has the country’s only NaGISA, or Natural Geography of In-Shore Areas. In 2024, eight students traveled to Japan to present their work on marine biodiversity.
Shopping and dining on state Road 20, with restaurants close to home
Along state Road 20, there’s a Winn-Dixie grocery store, CVS Pharmacy, Ace Hardware, Dollar General, Walgreens and restaurants. Jojo’s Coffee and Goodness is a morning go-to. Brothers Kitchen serves Southern cooking, while Tisano’s offers Italian cuisine. But Fagundes notes that the neighborhood’s most popular spots are within residential areas. “The local favorite is LJ Schooners at the marina,” he says. “It overlooks the wet slips and has an oyster bar and a formal restaurant.” The Blue Tee, beside the golf course, has diverse breakfast, lunch and dinner menus.
Driving distance to Niceville, Destin and Fort Walton Beach
There’s no public transportation in the neighborhood. “Golf carts are commonly used,” Fagundes says. “It’s also very walkable. On both sides of the main roads all the way down to the marina, there are sidewalks.” Bluewater Bay is between Niceville, about 5 miles west, and Destin, about 10 miles south. “There’s a lot more traffic in the summer, but when you live here, you know the times of day that you don’t have to deal with it,” Fagundes says. “Saturday, you don’t even try. That’s turn day on the beach.” Fort Walton Beach is about 20 miles west. Eglin Air Force Base, with a military hospital, and Destin-Fort Walton Beach Airport are about 15 miles west, and Hurlburt Field is about 25 miles west. MCA Florida Twin Cities Hospital is about 7 miles away.
GreatSchools:
The GreatSchools Rating helps parents compare schools within a state based on a variety of school quality indicators and provides a helpful picture of how effectively each school serves all of its students. Ratings are on a scale of 1 (below average) to 10 (above average) and can include test scores, college readiness, academic progress, advanced courses, equity, discipline and attendance data. We also advise parents to visit schools, consider other information on school performance and programs, and consider family needs as part of the school selection process.
View GreatSchools Rating Methodology
Are you familiar with the Bluewater Bay neighborhood?
to let others know what life in this neighborhood is like.
Crime and Safety
1 - Low Crime, 10 - High Crime
Bluewater Bay
US
Homicide
1
4
Sexual Assault
1
4
Assault with Weapon
1
4
Robbery
2
4
Burglary
4
4
Motor Vehicle Theft
3
4
Larceny
1
4
Crime Score
2
4
Source: WhatIsMyCrimeRisk.com
Bluewater Bay Demographics and Home Trends
On average, homes in Bluewater Bay, Niceville sell after 52 days on the market compared to the national average of 53 days. The median sale price for homes in Bluewater Bay, Niceville over the last 12 months is $501,000, up 1% from the median home sale price over the previous 12 months.
This 2-bedroom, 2-bath condo in The Florida Club blends comfort, convenience, and resort-style amenities. The open-concept living area and split-bedroom layout offer both space and privacy, while the private screened balcony is perfect for relaxing after a day in the sun. Enjoy a well-appointed kitchen, generous storage, and a primary suite with an en-suite bath. Community perks include a
Where the tranquility of the water meets the refinement of resort living— welcome to 4314 Hidden Lakes Drive in the heart of Bluewater Bay. Gracing approximately 74 feet of private lake frontage, this three-bedroom, two-and-a-half-bath residence is perfectly poised along the shimmering waters of Hidden Lakes within a coveted golf and marina community, capturing the essence of the Emerald Coast
Where the tranquility of the water meets the refinement of resort living welcome to 4314 Hidden Lakes Drive in the heart of Bluewater Bay. Gracing approximately 74 feet of private lake frontage, this three-bedroom, two-and-a-half-bath residence is perfectly poised along the shimmering waters of Hidden Lakes within a coveted golf and marina community, capturing the essence of the Emerald Coast
Under Contract- Accepting Back-up Offers!Welcome home to Bluewater Bay! A beautiful home tucked away in a quiet Niceville neighborhood known for its convenience and community feel. This inviting property offers a functional layout with comfortable living spaces, perfect for everyday living and entertaining alike. Enjoy a bright, open feel with natural light throughout, a spacious kitchen with
Charming two-story home located in the highly desirable Bluewater Bay community. This updated property features a renovated kitchen, fresh paint throughout, and tile and wood laminate flooring, offering both style and durability. The layout provides comfortable living with plenty of natural light and functional space. Enjoy the privacy of a fully fenced yard, perfect for relaxing or entertaining.
Nestled in the desirable Rocks Cove community of Bluewater Bay, this remarkable 4-bedroom, 2.5-bath home offers 3,182 square feet of thoughtfully designed living space on a quiet cul-de-sac just minutes from the sparkling waters of Choctawhatchee Bay and convenient public boat ramp access. This spacious three-story residence welcomes you with an open floor plan, soaring ceilings, and a warm,
Beautifully renovated third-floor condo in the heart of Bluewater Bay, offering the perfect blend of style, comfort, and location. This fully updated 2-bedroom, 2-bath residence features an open, light-filled layout with serene pool views from both the living area and the primary suite, plus an additional private balcony ideal for morning coffee or evening relaxation.The kitchen showcases
Charming, Warm and Elegant! This hidden treasure conveniently located in Bluewater Bay with the ability to walk or bike to the grocery store, casual cup of coffee or the perfect meal and the best bonus is the elementary school is close by within walking distance or a great bike ride giving you more time for what you enjoy. This 3 bedroom and 2 bath home can accommodate any lifestyle with no
Updated townhouse on the Bay in much desired community of Bluewater Bay. You can walk to the Bluewater Bay Marina and enjoy meals at LJ Schooners, or enjoy sunsets on the Bay from your back balcony. 3 bedrooms (bedroom 2 has a full bonus loft), 2 full bathrooms, and 1 half bathroom. The kitchen was updated recently with all new cabinets, solid surface countertops, & LVP flooring. The Great Room
Discover breathtaking waterfront living in this beautifully furnished 2BR/2.5BA townhome in the heart of Bluewater Bay. Enjoy stunning bay views from the light-filled living area with hardwood floors and sliding glass doors leading to serene water vistas. Watch sailboats and dolphins from the cozy sitting room. Features include an office nook, spacious guest room, and master suite with a loft.
Welcome to low-maintenance lifestyle at The Florida Club. Enjoy the beautiful landscaping, views and amenities available to residents. Amenities include a pool, hot tub, grills, community room with kitchen and fitness center. This is a smart 2 bedroom 2 bath floorplan with spacious living space, vaulted ceilings, bonus loft for office, studio, etc. Enjoy beautiful vistas from your living room,
Charming Patio Home in Bluewater Bay - 1000 Bay Drive, Unit 525 Welcome to your new home in the highly sought-after Bluewater Bay community! This inviting 2-bedroom, 2-bath patio home offers 1,301 square feet of comfortable, single-level living designed to fit your lifestyle. Nestled in a beautifully maintained neighborhood, Unit 525 at 1000 Bay Drive combines ease of living with a prime location
One of the best little communities in Bluewater Bay. Fresh paint throughout, new carpet in the bedrooms. This home is ready for its new owners. Split bedroom plan with an additional space for an office, craft room, playroom or whatever you would like. Master has plenty of room, bath has separate shower and soaking tub. Enjoy the quite views of the pond from your sunroom. Seller will consider
Feel at home in Sunny Side Retreat, a charming single-story home in the heart of Niceville, offering the perfect blend of comfort, convenience, and coastal style. This spacious getaway features 4 bedrooms and 2 bathrooms.This home features a fully equipped kitchen, spacious living and dining areas, and coastal-themed décor. Guests have access to the private covered pool and fenced
Welcome to your new luxury end-unit townhome offering a private and serene setting with wooded views on two sides. This home features 2 spacious bedrooms, each with its own private bathroom. The kitchen includes tile flooring, upgraded cabinetry, and a full appliance package—dishwasher, stove/oven, microwave, and refrigerator—along with a charming breakfast area perfect for enjoying your morning
Beautiful townhome located off of White Point Rd. in Bluewater Bay. The fire station is just around the corner and you can be on the Mid-Bay Bridge with just a few minutes drive. This unit is located at the far end of the subdivision which allows it to be quiet and peaceful and provides space for a nice outdoor seating area. All yard maintenance is maintained through the HOA. The driveway allows
Welcome to Royal Oaks Village, just off Bay Drive the cutest community tucked away in Bluewater Bay and within walking/biking distance to the Marina, Schooners and the Bay. This 3 bedroom, 2.5 bathroom townhome is a rare opportunity as this floor plan does not come on the market often. The master bedroom is located on the 1st floor, very generous in size with , his and her closets and ensuite
Looking for a beautiful, comfortable, and thoughtfully appointed fully furnished apartment? Look no further! Explore this luxurious and cozy living space in the heart of the Destin, Fort Walton locale. The top 5 reasons to consider this unit are the community livability, outdoor adventures, quality school districts, overall prosperity, and the ease of access to upscale urban and relaxing
Available for immediate move-in. Fully Furnished. 2b/2b condo located on Westlake in Bluewater Bay, convenient to Eglin AFB, schools, shopping and just minutes away from the beautiful snow-white beaches of Destin. This second-floor condo is fully furnished with water & power included. Vaulted ceilings provide a beautiful view from the loft to the living area below. The area has many jogging paths
Delightful home in Bluewater Bay at the end of cul-de-sac. AVAILABLE early February. This Niceville Florida home, is a short commute to Eglin Air Force Base. Gorgeous open living room punctuated by columns separating the dining area. Kitchen has open breakfast bar with new stainless steel appliances. Master bedroom is brightly lit by three windows with room for a sitting area. carpet in
Spacious rental in Magnolia Plantation. This home sits on a large lot. Kitchen will be upgraded with stainless steel appliances and upgraded sink. Other upgrades include hardwood floors and additional cabinets in the laundry room. Unique architectural details and abundant bedrooms sets this home apart. Home is available beginning March 1, 2026.
Adorable Florida Cottage home nestled in the Bluewater Bay Community. This 2BD/2BA home has vaulted ceilings in the living room along with a fireplace for the rare chilly nights. Open floor plan between the kitchen, dining room & living room. The 2 bedrooms are opposite sides of the house for plenty of privacy. Privacy fence surrounds the quaint backyard. New Roof 11/24, New HVAC system 1/26,
Stunning waterfront townhome in the heart of Bluewater Bay, offering breathtaking views of the Choctahatchee Bay and an effortless coastal lifestyle. This beautifully renovated three-bedroom, three-and-a-half-bath residence features modern finishes throughout and outdoor living spaces perfectly positioned to take in the water views.Step inside to a fresh, bright, and airy interior highlighted
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