Jeremy Fretwell
Keller Williams Realty FWB
(850) 904-4798
66 Total Sales
1 in Bluewater Bay
$341,900 Price
1328 Treasure Cove Niceville, FL 32578
Bluewater Bay NeighborhoodEstimated Value: $295,000 - $335,583
3
Beds
2
Baths
1,608
Sq Ft
$195/Sq Ft
Est. Value
Highlights
- Primary Bedroom Suite
- Main Floor Primary Bedroom
- Screened Porch
- Vaulted Ceiling
- Great Room
- Cul-De-Sac
About This Home
As of February 2026Great 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.
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Townhouse Details
Home Type
- Townhome
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
- Primary Bedroom Suite
- 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
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Aug 15, 2025
Closed on
Feb 23, 2026
Sold by
Bought by
Seller's Agent
Mark Hiller
EXP Realty LLC
Buyer's Agent
Nichole Causton
Go Coastal Realty LLC
List Price
$324,900
Sold Price
$305,000
Premium/Discount to List
-$19,900
-6.12%
Views
281
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$8,396
Avg. Annual Appreciation
6.37%
Original Mortgage
$289,750
Outstanding Balance
$288,622
Interest Rate
6.16%
Mortgage Type
New Conventional
Estimated Equity
$24,774
Purchase Details
Closed on
Jul 13, 2023
Sold by
Bought by
Purchase Details
Closed on
May 10, 2019
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$199,200
Interest Rate
4%
Mortgage Type
New Conventional
Purchase Details
Listed on
Jan 26, 2015
Closed on
Mar 13, 2015
Sold by
Bought by
Seller's Agent
Lisa Snuggs
The Lisa Snuggs Real Estate Group
List Price
$155,000
Sold Price
$155,000
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
6.38%
Original Mortgage
$120,000
Interest Rate
4.68%
Mortgage Type
Adjustable Rate Mortgage/ARM
Purchase Details
Closed on
Oct 15, 2010
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$140,556
Interest Rate
4.36%
Mortgage Type
FHA
Purchase Details
Closed on
Nov 30, 2005
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$214,400
Interest Rate
5.5%
Mortgage Type
Unknown
Purchase Details
Closed on
Aug 13, 2003
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$29,600
Interest Rate
5.42%
Mortgage Type
Stand Alone Second
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Bluewater Bay, FL
-
Jeremy Fretwell
-
Hillary Driscoll Olds
Hillary Driscoll Olds
Lokation
(850) 374-6717
56 Total Sales
7 in Bluewater Bay
$302K - $618K Price Range
-
Heather Vaughn
Heather Vaughn
The Property Group 850 Inc
(850) 409-8516
98 Total Sales
4 in Bluewater Bay
$365K - $664K Price Range
-
Mary Ann Troiano
Mary Ann Troiano
Destin Luxury Real Estate and Rental
(850) 467-9724
30 Total Sales
2 in Bluewater Bay
$335K - $354K Price Range
-
Amanda Gaskin
Amanda Gaskin
Briar Patch Realty LLC
(850) 409-8539
296 Total Sales
1 in Bluewater Bay
$484,900 Price
-
Sara Violette
Sara Violette
Responds QuicklyEXP Realty LLC
(850) 818-3063
31 Total Sales
1 in Bluewater Bay
$509,500 Price
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $305,000 | Movement Mortgage | ||
| $100 | None Listed On Document | ||
| $249,000 | Bradley Title Llc | ||
| $155,000 | Attorney | ||
| $142,450 | Vintage Title & Escrow | ||
| $268,000 | -- | ||
| $147,900 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | $289,750 | ||
| Previous Owner | $199,200 | ||
| Previous Owner | $120,000 | ||
| Previous Owner | $140,556 | ||
| Previous Owner | $214,400 | ||
| Previous Owner | $167,250 | ||
| Previous Owner | $29,600 | ||
| Previous Owner | $118,300 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 02/23/2026 02/23/26 | Sold | $305,000 | -6.1% | $190 / Sq Ft | |
| 02/02/2026 02/02/26 | Pending | -- | -- | -- | |
| 01/15/2026 01/15/26 | For Sale | $324,900 | 0.0% | $202 / Sq Ft | |
| 01/01/2026 01/01/26 | Off Market | $324,900 | -- | -- | |
| 10/22/2025 10/22/25 | Price Changed | $324,900 | -7.1% | $202 / Sq Ft | |
| 08/15/2025 08/15/25 | For Sale | $349,900 | +125.7% | $218 / Sq Ft | |
| 03/16/2015 03/16/15 | Sold | $155,000 | 0.0% | $96 / Sq Ft | View Prior Sale |
| 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®
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| 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 |
|---|---|---|---|---|
| 2025 | $1,988 | $205,258 | ||
| 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
Agents Affiliated with this Home
-
Mark Hiller
Seller's Agent in 2026
Mark Hiller
EXP Realty LLC
(850) 749-5350
76 in this area
793 Total Sales
-
Nichole Causton
Buyer's Agent in 2026
Nichole Causton
Go Coastal Realty LLC
(850) 714-7600
1 in this area
173 Total Sales
-
Lisa Snuggs
Seller's Agent in 2015
Lisa Snuggs
The Lisa Snuggs Real Estate Group
(850) 830-2331
1 in this area
34 Total Sales
Map
Source: Emerald Coast Association of REALTORS®
MLS Number: 983197
APN: 26-1S-22-2426-0000-0280
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.
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