$409,000

665 Saint Lucia Cove Niceville, FL 32578

Estimated payment $2,333/month

Total Views 1,977
3 Beds
2 Baths
1,647 Sq Ft
$248 Price per Sq Ft

Highlights

  • Spa
  • Newly Painted Property
  • Screened Porch
  • Bluewater Elementary School Rated A-
  • Cathedral Ceiling
  • Den

About This Home

This well-maintained home in Bluewater Bay is located on a cul-de-sac and features a large, landscaped backyard, along with two living areas. The property includes two sheds, a privacy fence, and a deck. You can unwind in the screened-in porch, which has a sealed, nonskid painted floor and a hot tub that overlooks the private backyard. The gutters are equipped with leaf and needle guards on the backside. The backyard also features a fire pit, and inside, you'll find a spacious laundry room and stainless-steel appliances.

Recent updates include a new gas hot water heater installed in 2023, a new roof installed in 2023, and an HVAC system installed in 2021 with a smart thermostat. This home truly has so much to offer! In 2024, the landscaped backyard was leveled with two dump truck loads of dirt, and features sod, a pebble stone fire pit area, and a rock-stone walkway leading from the back porch. In 2025, new trim was added to the main living area, fresh interior paint was applied throughout the home, and new carpet was installed in all the bedrooms. Additionally, all the ductwork was professionally cleaned, and a UV light was added in 2024. The backyard also includes a new trampoline and a hot tub!

This property does not have an HOA, but homeowners have the option to join a social club that provides access to pools and a tennis club for an additional fee. The home is located within the school zones of BWB Elementary, Ruckle Middle School, and Niceville High School. It is conveniently close to Eglin Air Force Base and Duke Field, and just a short drive over the bridge to the beaches of Destin. There is an active termite bond on the home.

Listing Agent

Tiffany Werner

Coldwell Banker Realty License #3271882 Listed on: 08/23/2025

Coldwell Banker Realty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,854

Year Built

  • Built in 1979

Lot Details

  • 0.29 Acre Lot
  • Lot Dimensions are 74x136x110x140
  • Property fronts a county road
  • Back Yard Fenced
  • Sprinkler System
  • Lawn Pump
  • Property is zoned City

Parking

  • 2 Car Attached Garage
  • Automatic Garage Door Opener

Home Design

  • Newly Painted Property

Interior Spaces

  • 1,647 Sq Ft Home
  • 1-Story Property
  • Built-in Bookshelves
  • Crown Molding
  • Cathedral Ceiling
  • Ceiling Fan
  • Fireplace
  • Double Pane Windows
  • Window Treatments
  • Garden Windows
  • Entrance Foyer
  • Dining Room
  • Den
  • Screened Porch
  • Tile Flooring
  • Fire and Smoke Detector

Kitchen

  • Breakfast Bar
  • Electric Oven or Range
  • Self-Cleaning Oven
  • Microwave
  • Ice Maker
  • Dishwasher
  • Disposal

Bedrooms and Bathrooms

  • 3 Bedrooms
  • En-Suite Primary Bedroom
  • 2 Full Bathrooms
  • Primary Bathroom includes a Walk-In Shower

Laundry

  • Laundry Room
  • Exterior Washer Dryer Hookup

Outdoor Features

  • Spa
  • Shed
  • Rain Gutters

Additional Homes

  • Dwelling with Separate Living Area

Schools

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

Utilities

  • Central Heating and Cooling System
  • Heat Pump System
  • Gas Water Heater
  • Phone Available
  • Cable TV Available

Community Details

  • Bluewater Bay Village 1B Subdivision

Listing and Financial Details

  • Assessor Parcel Number 23-1S-22-4751-000A-0870

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,854

Year Built

Built in 1979

Lot Details

0

Parking

2

Listing Details

  • Property Sub Type: Detached Single Family
  • Prop. Type: Residential
  • Lot Size Acres: 0.29
  • Lot Size: 74X136X110X140
  • Road Frontage Type: County Road
  • Road Surface Type: Paved
  • Subdivision Name: BLUEWATER BAY VILLAGE 1B
  • Directions: HWY 20 To Bay Drive in BWB area Turn South on Bay drive go .02 miles - Turn left onto Saint Kitts Cove, take immediate left on Saint Lucia cove - home will be on the left-hand side
  • Architectural Style: Ranch
  • Carport Y N: No
  • New Construction: No
  • Building Stories: 1
  • Year Built: 1979
  • Utilities Electric: Yes
  • Utilities:Public Sewer: Yes
  • Utilities:Public Water: Yes
  • Appliances Refrigerators: Yes
  • Energy:AC - Central Elect: Yes
  • Energy:Heat Cntrl Electric: Yes
  • Rooms:Dining Room: Yes
  • Appliances Microwave: Yes
  • Energy:Ceiling Fans: Yes
  • Energy:Double Pane Windows: Yes
  • Rooms:Foyer: Yes
  • Rooms:Laundry2: Yes
  • Utilities:Gas - Natural: Yes
  • Rooms:Screened Porch: Yes
  • Energy:Water Heater - Gas: Yes
  • Rooms:Den: Yes
  • Energy:Heat Pump Wtr to Air: Yes
  • Special Features: None
  • Stories: 1

Interior Features

  • Furnished: Furnished - None
  • Appliances: Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Water Heater - Gas
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Fireplace Features: Fireplace
  • Fireplace: Yes
  • Flooring: Floor Tile
  • Interior Amenities: Breakfast Bar, Built-In Bookcases, Ceiling Cathedral, Ceiling Crwn Molding, Fireplace, Newly Painted, Washer/Dryer Hookup
  • Window Features: Window Garden, Window Treatment All, Double Pane Windows
  • Interior:WasherDryer Hookup: Yes
  • Appliances:StoveOven Electric: Yes
  • Mstr BdrmMstr Bath:MBath Shower Only: Yes
  • Master Bedroom:First: Yes
  • Appliances Dishwasher: Yes
  • Appliances:Smoke Detector: Yes
  • Interior:Breakfast Bar: Yes
  • Interior:Floor Tile: Yes
  • Appliances:Oven Self Cleaning: Yes
  • Appliances:Refrigerator WIceMk: Yes
  • Interior:Ceiling Cathedral: Yes
  • Interior:Ceiling Crwn Molding: Yes
  • Interior:Window Treatment All: Yes
  • Interior:Newly Painted: Yes
  • Interior:Built-In Bookcases: Yes
  • Interior:Fireplace: Yes
  • Interior:Window Garden: Yes

Exterior Features

  • Fencing: Fenced Privacy
  • Lot Features: Survey Available
  • Exterior Features: Rain Gutter, Fenced Back Yard, Hot Tub, Lawn Pump, Separate Living Area, Sprinkler System, Yard Building
  • Patio And Porch Features: Patio Covered, Porch Screened
  • Property Condition: Renovated, Construction Complete
  • Construction Status:Construction Complete: Yes
  • Lot Features:Survey Available: Yes
  • Exterior:Patio Covered: Yes
  • Exterior:Lawn Pump: Yes
  • Exterior:Sprinkler System: Yes
  • Exterior:Fenced Back Yard: Yes
  • Exterior:Fenced Privacy: Yes
  • Exterior:Hot Tub: Yes
  • Exterior:Porch Screened: Yes
  • Exterior:Rain Gutter: Yes
  • Exterior:Fireplace2: Yes
  • Exterior:Separate Living Area: Yes

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 2.0
  • 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: Heat Pump Wtr to Air, Central
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Utilities: Electric, Gas - Natural, Phone, Public Water, TV Cable
  • Utility: Yes

Schools

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

Lot Info

  • Lot Size Sq Ft: 12632.4
  • Parcel #: 23-1S-22-4751-000A-0870
  • Zoning: City

Tax Info

  • Tax Annual Amount: 1853.68
  • Tax Year: 2023

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 $1,854 $282,717 $89,146 $193,571
2023 $1,854 $186,968 $0 $0
2022 $1,801 $181,522 $0 $0
2021 $1,793 $176,235 $0 $0
2020 $1,783 $173,802 $0 $0
2019 $1,755 $169,894 $0 $0
2018 $1,734 $166,726 $0 $0
2017 $1,718 $163,297 $0 $0
2016 $1,670 $159,938 $0 $0
2015 $1,703 $158,826 $0 $0
2014 $1,708 $157,565 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/09/2025 08/09/25 Price Changed $409,000 -0.7% $248 / Sq Ft
08/08/2025 08/08/25 Price Changed $412,000 0.0% $250 / Sq Ft
08/08/2025 08/08/25 For Sale $412,000 +0.7% $250 / Sq Ft
08/01/2025 08/01/25 Pending -- -- --
07/06/2025 07/06/25 Price Changed $409,000 -2.6% $248 / Sq Ft
06/20/2025 06/20/25 Price Changed $419,900 -2.3% $255 / Sq Ft
05/29/2025 05/29/25 Price Changed $429,900 -2.3% $261 / Sq Ft
05/08/2025 05/08/25 Price Changed $439,999 -2.2% $267 / Sq Ft
04/16/2025 04/16/25 For Sale $449,999 +9.5% $273 / Sq Ft
07/14/2023 07/14/23 Sold $411,000 -3.5% $250 / Sq Ft
06/19/2023 06/19/23 Pending -- -- --
06/12/2023 06/12/23 For Sale $425,900 -- $259 / Sq Ft
Source: Emerald Coast Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Warranty Deed $411,000 None Listed On Document
Warranty Deed $411,000 None Listed On Document
Warranty Deed $272,500 Lawyers Title Agency Of The
Warranty Deed $180,000 Choctaw Title Inc
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $390,450 New Conventional
Closed $390,450 New Conventional
Previous Owner $30,000 New Conventional
Previous Owner $252,000 New Conventional
Previous Owner $230,511 FHA
Previous Owner $241,280 FHA
Previous Owner $275,600 Purchase Money Mortgage
Previous Owner $5,000 Stand Alone Second
Previous Owner $284,850 Fannie Mae Freddie Mac
Previous Owner $15,000 Credit Line Revolving
Previous Owner $183,960 VA
Previous Owner $112,000 Unknown
Source: Public Records

Source: Emerald Coast Association of REALTORS®

MLS Number: 974022

Emerald Coast Association of REALTORS®

APN: 23-1S-22-4751-000A-0870