$349,900

1328 Treasure Cove Niceville, FL 32578

Estimated payment $2,292/month

Total Views 469
3 Beds
2 Baths
1,608 Sq Ft
$218 Price per Sq Ft

Highlights

  • Very Popular Property
  • Vaulted Ceiling
  • Great Room
  • Bluewater Elementary School Rated A-
  • Main Floor Primary Bedroom
  • Screened Porch

About This Home

Great Location: Primary Suite on Main Level!
Welcome to Reflections at Bluewater Bay, a beautifully maintained ''Sapphire'' model townhome offering 3 bedrooms, 2 bathrooms, and over 1,600 square feet of thoughtfully designed living space. This home is move-in ready and ideally located just minutes from Destin Commons, the Mid-Bay Bridge, and the sugar-white beaches of the Emerald Coast. The spacious primary suite is conveniently located on the first floor, complete with a walk-in closet and updated bath featuring dual cultured marble vanities and a large shower enclosure. Upstairs are two generously sized guest rooms, each with its own walk-in closet. The open-concept great room is filled with natural light from a skylight and flows into a bright kitchen with white cabinetry, stainless steel appliances, tile backsplash, and recessed lighting. All appliances convey, including refrigerator, washer, dryer, stove, microwave, and dishwasher. Enjoy a covered, screened-in patio overlooking the wooded preserve, perfect for morning coffee. Additional features include 9-foot ceilings, leaded glass front door, ceiling fans, one-car garage with opener, and LVP flooring in the main living area. Recent updates include new windows in 2018, a new roof in 2020, and HVAC in 2022. The HOA, professionally managed by Bluewater Bay, covers annual termite inspections, regular pest control, and maintenance of the beautifully landscaped community. Quiet, clean, and safe, homes in this community rarely hit the market. Whether you are looking for a primary residence, a second home, or an investment property, this one should be on your list.

Listing Agent

Mark Hiller

EXP Realty LLC License #no data Listed on: 08/15/2025

EXP Realty LLC

Townhouse Details

Home Type

  • Townhome

Est. Annual Taxes

  • $1,874

Year Built

  • Built in 2003

Lot Details

  • Property fronts a private road
  • Property fronts an easement
  • Cul-De-Sac
  • Level Lot

HOA Fees

  • $230 Monthly HOA Fees

Parking

  • 1 Car Attached Garage
  • Automatic Garage Door Opener

Home Design

  • Stucco

Interior Spaces

  • 1,608 Sq Ft Home
  • 2-Story Property
  • Vaulted Ceiling
  • Ceiling Fan
  • Skylights
  • Recessed Lighting
  • Great Room
  • Dining Area
  • Screened Porch
  • Exterior Washer Dryer Hookup

Kitchen

  • Electric Oven or Range
  • Self-Cleaning Oven
  • Microwave
  • Dishwasher
  • Disposal

Flooring

  • Wall to Wall Carpet
  • Vinyl

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Primary Bedroom on Main
  • Split Bedroom Floorplan
  • 2 Full Bathrooms
  • Dual Vanity Sinks in Primary Bathroom
  • Primary Bathroom includes a Walk-In Shower

Schools

  • Bluewater Elementary School
  • Ruckel Middle School
  • Niceville High School

Utilities

  • Central Heating and Cooling System
  • Cable TV Available

Community Details

  • Association fees include ground keeping
  • Reflections At Bluewater Bay T/H Subdivision
  • The community has rules related to covenants, exclusive easements

Listing and Financial Details

  • Assessor Parcel Number 26-1S-22-2426-0000-0280

Townhouse Details

Home Type

Townhome

Est. Annual Taxes

$1,874

Year Built

Built in 2003

Lot Details

0

HOA Fees

$230 per month

Parking

1

Listing Details

  • Property Sub Type: Attached Single Unit
  • Prop. Type: Residential
  • Road Frontage Type: Private Road
  • Road Surface Type: Paved
  • Subdivision Name: REFLECTIONS AT BLUEWATER BAY T/H
  • Directions: From State Highway 20 in Niceville, take State Highway 291 (White Point Road) toward Destin. Continue approximately 0.5 miles and turn left into Reflections, located just before the Fire Department on White Point Road.
  • Architectural Style: Townhome
  • Carport Y N: No
  • New Construction: No
  • Building Stories: 2
  • Year Built: 2003
  • Utilities Electric: Yes
  • Utilities:Public Sewer: Yes
  • Utilities:Public Water: Yes
  • Appliances Refrigerators: Yes
  • Energy:AC - Central Elect: Yes
  • Energy:Heat Cntrl Electric: Yes
  • Appliances Microwave: Yes
  • Energy:Ceiling Fans: Yes
  • Rooms:Dining Area: Yes
  • Rooms:Screened Porch: Yes
  • Rooms:Great Room: Yes
  • Special Features: VirtualTour
  • Stories: 2

Interior Features

  • Appliances: Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Refrigerator, Stove/Oven Electric
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Flooring: Floor Vinyl, Floor WW Carpet
  • Interior Amenities: Ceiling Raised, Lighting Recessed, Split Bedroom, Washer/Dryer Hookup
  • Window Features: Skylight(s)
  • Interior:WasherDryer Hookup: Yes
  • Appliances:StoveOven Electric: Yes
  • Mstr BdrmMstr Bath:MBath Shower Only: Yes
  • Master Bedroom:First: Yes
  • Appliances Dishwasher: Yes
  • Appliances:Oven Self Cleaning: Yes
  • Interior:Floor Vinyl: Yes
  • Interior:Split Bedroom: Yes
  • Mstr BdrmMstr Bath:MBath Double Vanity: Yes
  • Interior:Floor WW Carpet: Yes
  • Interior:Lighting Recessed: Yes
  • Interior:Skylight(s): Yes

Exterior Features

  • Lot Features: Covenants, Cul-De-Sac, Easements, Interior, Level, Restrictions
  • Construction Type: Stucco
  • Patio And Porch Features: Porch
  • Property Condition: Construction Complete
  • Lot Features:Level: Yes
  • Construction Status:Construction Complete: Yes
  • Lot Features:Interior: Yes
  • Exterior:Porch: Yes
  • Lot Features:Easements: Yes
  • Lot Features:Covenants: Yes
  • Lot Features:Cul-De-Sac: Yes
  • Lot Features:Restrictions: Yes
  • ConstructionSiding:Stucco: Yes

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 1.0
  • General Property Info:Garage2: Yes
  • Parking Features:Garage Attached: Yes
  • Appliances:Auto Garage Door Opn: Yes
  • Rooms:Garage5: Yes

Utilities

  • Cooling: Ceiling Fans, Central Air
  • Cooling Y N: Yes
  • Heating: Central
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Utilities: Electric, Public Water, TV Cable
  • Utility: Yes

Condo/Co-op/Association

  • Association #2 Fee: 230.0
  • Association Fee Frequency: Monthly
  • Association: Yes

Fee Information

  • Association Fee Includes: Ground Keeping

Schools

  • Elementary School: Bluewater
  • High School: Niceville
  • Middle Or Junior School: Ruckel

Lot Info

  • Parcel #: 26-1S-22-2426-0000-0280
  • Zoning: Resid Multi-Family

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $1,874 $199,473 -- --
2023 $1,874 $193,663 $0 $0
2022 $1,873 $188,022 $0 $0
2021 $1,865 $182,546 $0 $0
2020 $1,855 $180,026 $0 $0
2019 $2,349 $178,781 $35,000 $143,781
2018 $2,169 $162,882 $0 $0
2017 $2,031 $150,996 $0 $0
2016 $1,823 $134,943 $0 $0
2015 $1,236 $123,951 $0 $0
2014 $1,238 $122,967 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/15/2025 08/15/25 For Sale $349,900 +40.5% $218 / Sq Ft
03/31/2020 03/31/20 Off Market $249,000 -- --
05/10/2019 05/10/19 Sold $249,000 0.0% $155 / Sq Ft
05/09/2019 05/09/19 Pending -- -- --
05/09/2019 05/09/19 For Sale $249,000 +60.6% $155 / Sq Ft
03/16/2015 03/16/15 Sold $155,000 0.0% $96 / Sq Ft
02/06/2015 02/06/15 Pending -- -- --
01/26/2015 01/26/15 For Sale $155,000 -- $96 / Sq Ft
Source: Emerald Coast Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Deed $100 None Listed On Document
Warranty Deed $249,000 Bradley Title Llc
Warranty Deed $155,000 Attorney
Warranty Deed $142,450 Vintage Title & Escrow
Warranty Deed $268,000 --
Warranty Deed $147,900 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $199,200 New Conventional
Previous Owner $120,000 Adjustable Rate Mortgage/ARM
Previous Owner $140,556 FHA
Previous Owner $214,400 Unknown
Previous Owner $167,250 Fannie Mae Freddie Mac
Previous Owner $29,600 Stand Alone Second
Previous Owner $118,300 Unknown
Source: Public Records

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Source: Emerald Coast Association of REALTORS®

MLS Number: 983197

Emerald Coast Association of REALTORS®

APN: 26-1S-22-2426-0000-0280