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121 Big Oaks Ln, Niceville, FL, 32578

4beds
3baths
1,950sqft
$399,900
$205price/sqft
$3,003/moest. monthly cost
$120,120/yrincome needed

About This Home

*MOVE-IN Ready. Large 4BR / 2.5 baths with TWO car garage & Private Deck. Well maintained end unit home offers comfort/convenience, in a well-kept & clean HOA community. Overlooks Turkey Creek. 2 CAR Garage & Outlet for your Electric Vehicle. Low HOA fees of $170/month includes landscape and all exterior solid surface maintenance including roofs, stucco/siding etc. Open design with neutral colors. With nearly 1950 sq. ft. of living space & 9 ft ceilings, this home feels spacious and inviting. Wood and tile floors on the 1st Floor. Brand NEW carpeting on the 2nd floor. Kitchen breakfast bar is granite for extra seating along with a cozy dining area & private deck overlooking Turkey Creek Park. Short commute to Eglin AFB & Duke Field. Niceville High school/Ruckel Middle School This home has been a no smoking, no vaping and no animal home. This home was built with upgrades which are energy efficient and are said to lower your Home Owner Insurance including impact windows & doors doors & Foam insulation in the attic - keeping your energy bills low. This home also has NEW carpet on the upper level, newer stainless appliances, new LED lighting on 1st floor and in upper hall way. The HOA fees include ALL EXTERIOR SOLID SURFACE REPAIRS - including roofs. This usually is an additional policy/fee in many Blue Water Bay communities and valued between $1000 - $1700 per year. Washer and dryer do not convey.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

9/10
9/10
Okaloosa Stemm CenterGrades PK,6-81.0 mi
7/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2012

Materials

  • Roof: Shingle
  • Construction materials: Frame,Brick,Siding Brick Some,Trim Wood

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bathroom

  • Level: First
  • Area: 36
  • Dimensions: 6 x 6

Bathroom

  • Level: Second
  • Area: 80
  • Dimensions: 10 x 8

Bedroom

  • Level: Second
  • Area: 143.84
  • Dimensions: 12.4 x 11.6

Bedroom

  • Level: Second
  • Area: 139.38
  • Dimensions: 13.8 x 10.1

Bedroom

  • Level: Second
  • Area: 136.4
  • Dimensions: 12.4 x 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Breakfast Bar,Crown Molding,Tray Ceiling(s),Pantry,Woodwork Painted
  • Window features: Double Pane Windows,Window Treatments
  • Flooring: Hardwood,Tile,Carpet

Garage

  • Level: First
  • Area: 576
  • Dimensions: 24 x 24

Great Room

  • Level: First
  • Area: 418
  • Dimensions: 22 x 19

Heating & Cooling

  • Heating features: Heat Pump,Central,Heat High Efficiency
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,950
  • Total interior livable area: 1,950 sqft

Kitchen

  • Level: First
  • Area: 102.6
  • Dimensions: 11.4 x 9

Laundry

  • Level: Second
  • Area: 80
  • Dimensions: 10 x 8

Master Bedroom

  • Level: Second
  • Area: 126
  • Dimensions: 14 x 9

Property

Details

  • Parcel number: 011S23110100000420
  • Zoning description: Resid Single Family

Features

  • Stories: 2
  • Patio & porch: Deck
  • Fencing: Chain Link,Partial

Lot

  • Features: Level,Within 1/2 Mile to Water

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Tsunami

FEMA Declared Disasters in Okaloosa County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,022$24,264
Home Insurance *$354$4,248
Property Taxes $430$5,160
Electricity $197$2,366
Total$3,003$36,036
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,960/yr
40% on housing$90,090/yr
45% on housing$80,080/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 32578$259
Okaloosa County$262

vs Homes Sold Last Month

Median $/sqft

ZIP 32578$245
Okaloosa County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-15Price change$410,000
2026-03-28Listed for sale$419,000
2024-10-05Listing removed$2,100
2024-09-24Price change$2,100
2024-09-06Price change$2,250
2024-08-06Listed for rent$2,400
2022-05-19Sold$365,000
2021-03-19Listing removed--
2021-03-05Listed for rent$1,995
2020-09-03Listing removed$1,800
2020-08-29Listed for rent$1,800
2015-06-13Listing removed$1,650
2015-06-05Price change$1,650
2015-03-28Listed for rent$1,675
2014-04-26Listing removed$1,675
2014-03-06Listed for rent$1,675

For Sale by Agent

AgentDiane E Cheng
BrokerageWorld Impact Real Estate

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