$400,000
SOLD MAY 8, 2025
2 Beds
2.5 Baths
1,710 Sq Ft
0.27 Acres

Recently Sold

$234 Per Sq Ft

6% Below List Price

21 Days on Market

Highlights

  • Marina
  • Vaulted Ceiling
  • Covered Patio or Porch
  • Bluewater Elementary School Rated A-
  • Florida Architecture
  • Walk-In Pantry

About This Home

As of May 2025

Don't Miss this Charming Florida Cottage; a beautifully designed 2-bedroom, 2.5-bath home nestled in the sought-after gated community of Magnolia Plantation in Bluewater Bay. Offering both privacy and convenience, this home blends modern comforts with classic charm.
As you enter, you'll be greeted by an open and airy family room, bathed in natural light from expansive windows and sliding glass doors. The seamless indoor-outdoor flow leads to a private patio oasis, complete with a tranquil fountain—perfect for relaxation or entertaining.
The stylish kitchen features a breakfast bar and cozy nook, making it an inviting space for casual dining. A hall connects the attached rear-entry 2-car garage to the laundry area and kitchen, offering added convenience.
The primary suite is a spacious retreat, boasting a walk-in closet, linen closet, double vanities, a large soaking tub, and a separate shower. The second bedroom also offers a private full bath, while a guest-friendly half bath is located off the main living area. You can also stay comfortable in the garage with extra perks lilke a mini-split unit, sink, and small storage closet.
Step outside to enjoy a covered patio and fenced backyard, ideal for indoor-outdoor living. Recent updates include fresh paint on the walls, trim and doors, updated lighting and bath fixtures. Major systems have been recently upgraded including the HVAC and water heater: ROOF 2020, Windows 2017. For added peace of mind, a one-year Home Warranty will be provided.
With quality craftsmanship and thoughtful design throughout, this home is a rare find in a highly desirable neighborhood. Don't miss this opportunity,schedule your private tour today!

Last Agent to Sell the Property

Lisa Deering

Berkshire Hathaway HomeServices PenFed Realty License #3405298 Listed on: 03/14/2025

Berkshire Hathaway HomeServices PenFed Realty

Last Buyer's Agent

Andrew Tidwell

Jan Hooks Real Estate Group Inc

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,925

Year Built

  • Built in 1995

Lot Details

  • 0.27 Acre Lot
  • Property fronts an easement
  • Privacy Fence
  • Interior Lot
  • Level Lot
  • Sprinkler System

HOA Fees

  • $97 Monthly HOA Fees

Parking

  • 2 Car Garage
  • Automatic Garage Door Opener

Home Design

  • Florida Architecture
  • Slab Foundation
  • Dimensional Roof
  • Vinyl Siding

Interior Spaces

  • 1,710 Sq Ft Home
  • 1-Story Property
  • Crown Molding
  • Vaulted Ceiling
  • Ceiling Fan
  • Double Pane Windows
  • Window Treatments
  • Family Room
  • Dining Area
  • Pull Down Stairs to Attic

Kitchen

  • Breakfast Bar
  • Walk-In Pantry
  • Electric Oven or Range
  • Dishwasher

Bedrooms and Bathrooms

  • 2 Bedrooms
  • Split Bedroom Floorplan
  • Cultured Marble Bathroom Countertops
  • Dual Vanity Sinks in Primary Bathroom
  • Separate Shower in Primary Bathroom
  • Garden Bath

Outdoor Features

  • Covered Patio or Porch

Schools

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

Utilities

  • High Efficiency Air Conditioning
  • Central Air
  • Underground Utilities
  • Gas Water Heater
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 15-1S-22-2118-0000-0840

Community Details

Overview

  • Association fees include ground keeping, legal, management, security
  • Magnolia Plantation At Bluewater Bay Subdivision
  • The community has rules related to covenants, exclusive easements

Amenities

  • Community Pavilion

Recreation

  • Marina

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,925

Year Built

Built in 1995

Lot Details

0

HOA Fees

$97 per month

Parking

2

Listing Details

  • Property Sub Type: Detached Single Family
  • Prop. Type: Residential
  • Lot Size Acres: 0.27
  • Lot Size: xxxx
  • Subdivision Name: MAGNOLIA PLANTATION AT BLUEWATER BAY
  • Directions: Use HWY 20 Entrance Only - turn into Magnolia Plantation. Stop at Gate guard - they will let you into the subdivision.
  • Architectural Style: Florida Cottage
  • Carport Y N: No
  • New Construction: No
  • Building Stories: 1
  • Year Built: 1995
  • Remarks Misc:Remarks: Don't Miss this Charming Florida Cottage; a beautifully designed 2-bedroom, 2.5-bath home nestled in the sought-after gated community of Magnolia Plantation in Bluewater Bay. Offering both privacy and convenience, this home blends modern comforts with classic charm. As you enter, you'll be greeted by an open and airy family room, bathed in natural light from expansive windows and sliding glass doors. The seamless indoor-outdoor flow leads to a private patio oasis, complete with a tranquil fountain—perfect for relaxation or entertaining. The stylish kitchen features a breakfast bar and cozy nook, making it an inviting space for casual dining. A hall connects the attached rear-entry 2-car garage to the laundry area and kitchen, offering added convenience. The primary suite is a spacious
  • Utilities:Public Sewer: Yes
  • Appliances Refrigerators: Yes
  • Energy:AC - Central Elect: Yes
  • Energy:AC - High Efficiency: Yes
  • Energy:Ceiling Fans: Yes
  • Energy:Double Pane Windows: Yes
  • Rooms:Dining Area: Yes
  • Utilities:Gas - Natural: Yes
  • Utilities:Underground: Yes
  • Energy:Water Heater - Gas: Yes
  • Rooms:Family Room: Yes
  • Special Features: None
  • Stories: 1

Interior Features

  • Appliances: Auto Garage Door Opn, Dishwasher, Refrigerator, Stove/Oven Electric, Water Heater - Gas
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 2
  • Interior Amenities: Breakfast Bar, Ceiling Crwn Molding, Ceiling Raised, Pantry, Pull Down Stairs, Split Bedroom
  • Window Features: Window Treatment All, Double Pane Windows
  • Appliances:StoveOven Electric: Yes
  • Master Bedroom:First: Yes
  • Appliances Dishwasher: Yes
  • Mstr BdrmMstr Bath:MBath Garden Tub: Yes
  • Mstr BdrmMstr Bath:MBath Separate Shwr: Yes
  • Interior:Breakfast Bar: Yes
  • Interior:Pull Down Stairs: Yes
  • Interior:Split Bedroom: Yes
  • Mstr BdrmMstr Bath:MBath Cultured Mrble: Yes
  • Mstr BdrmMstr Bath:MBath Double Vanity: Yes
  • Interior:Ceiling Crwn Molding: Yes
  • Interior:Window Treatment All: Yes

Exterior Features

  • Fencing: Fenced Privacy
  • Lot Features: Covenants, Easements, Interior, Level, Restrictions, Sidewalk
  • Construction Type: Siding Vinyl
  • Exterior Features: Sprinkler System
  • Foundation Details: Slab
  • Patio And Porch Features: Patio Covered, Porch
  • Property Condition: Construction Complete
  • Lot Features:Level: Yes
  • Construction Status:Construction Complete: Yes
  • Lot Features:Interior: Yes
  • ConstructionSiding:Siding Vinyl: Yes
  • ConstructionSiding:Slab: Yes
  • Exterior:Porch: Yes
  • Lot Features:Easements: Yes
  • Lot Features:Covenants: Yes
  • Lot Features:Restrictions: Yes
  • ConstructionSiding:Roof Dimensional Shg: Yes
  • Exterior:Patio Covered: Yes
  • Exterior:Sprinkler System: Yes
  • Exterior:Fenced Privacy: Yes
  • Lot Features:Sidewalk: Yes

Garage/Parking

  • Attached Garage: No
  • Garage Spaces: 2.0
  • Parking Features: Garage
  • General Property Info:Garage2: Yes
  • Appliances:Auto Garage Door Opn: Yes
  • Parking Features:Garage3: Yes

Utilities

  • Cooling: Ceiling Fans, Central Air
  • Cooling Y N: Yes
  • Sewer: Public Sewer
  • Utilities: Gas - Natural, TV Cable, Underground
  • Utility: Yes

Condo/Co-op/Association

  • Community Features: Marina, Pavillion/Gazebo
  • Association #2 Fee: 290.0
  • Association Fee Frequency: Quarterly
  • Association: Yes

Fee Information

  • Association Fee Includes: Ground Keeping, Legal, Management, Security

Schools

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

Lot Info

  • Lot Size Sq Ft: 11761.2
  • Parcel #: 15-1S-22-2118-0000-0840
  • Zoning: Resid Single Family
  • ResoLotSizeUnits: Acres

Tax Info

  • Tax Annual Amount: 1925.14
  • Tax Year: 2023

Ownership History

Date Name Owned For Owner Type

Purchase Details

Closed on
Jan 26, 2021
Sold by
Ramsden Donald Henry and Ramsden Donna
Bought by
Ramsden Donald Henry and Ramsden Donna
Current Estimated Value
$395,878

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$166,700
Outstanding Balance
$150,669
Interest Rate
2.93%
Mortgage Type
New Conventional
Estimated Equity
$245,209

Purchase Details

Closed on
Nov 29, 2016
Sold by
Eckfeld Donna Jean
Bought by
Ramsden Donald Henry and Ramsden Donna Jean
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Interfamily Deed Transfer -- Accommodation
Interfamily Deed Transfer -- Accommodation
Quit Claim Deed -- Attorney
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $166,700 New Conventional
Previous Owner $195,000 New Conventional
Previous Owner $50,000 Credit Line Revolving
Previous Owner $194,000 Fannie Mae Freddie Mac
Previous Owner $85,000 Credit Line Revolving
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
05/08/2025 05/08/25 Sold $400,000 -5.9% $234 / Sq Ft
04/04/2025 04/04/25 Pending -- -- --
03/14/2025 03/14/25 For Sale $424,900 -- $248 / Sq Ft
Source: Emerald Coast Association of REALTORS®

Tax History Compared to Growth

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 $1,925 $198,762 -- --
2023 $1,925 $192,973 $0 $0
2022 $1,871 $187,352 $0 $0
2021 $1,863 $181,895 $0 $0
2020 $1,853 $179,384 $0 $0
2019 $1,824 $175,351 $0 $0
2018 $1,803 $172,081 $0 $0
2017 $1,787 $168,542 $0 $0
2016 $1,737 $165,075 $0 $0
2015 $1,771 $163,928 $0 $0
2014 $1,776 $162,627 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Emerald Coast Association of REALTORS®

MLS Number: 971160

Emerald Coast Association of REALTORS®

APN: 15-1S-22-2118-0000-0840