409 Hart St, Niceville, FL, 32578
About This Home
UNLOCK THE POTENTIAL! Looking for space, flexibility, opportunity to build some sweat equity or rental income??? Bring your vision and creativity and customize to fit your needs! This solid brick home is conveniently located in the heart of Niceville at the end of a quiet street and features 5 bedrooms and 4 bathrooms including a walkout lower level apartment or 3 bedroom mother in law suite with separate entrance- perfect for multi-generational living, guests or potential rental income! Your mind can be at ease knowing this home was built in 2015 like a fortress - brick, hurricane impact windows, 9 ft ceilings, recessed lighting and tons of storage! The main kitchen is spacious and includes a giant center island with an abundance of custom cabinetry that you will find through out the house as well. The hard work has already been done but some landscaping would go a long way and flooring is needed to (qualify for FHA or VA financing), we can certainly get creative to make that happen. You have options and we have solutions. Don't miss out on this rare opportunity, schedule a showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2015
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Brick,Trim Vinyl
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Refrigerator,Electric Water Heater
Basement
- Has basement: Yes
- Basement: Finished
Bedroom
- Level: First
- Dimensions: 0 x 0
Bedroom
- Level: Basement
- Dimensions: 0 x 0
Bedroom
- Level: Basement
- Dimensions: 0 x 0
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Vaulted Ceiling(s),Floor Allowance,Kitchen Island
- Flooring: Tile,Carpet
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 3,162
- Total interior livable area: 3,162 sqft
Kitchen
- Level: First
- Dimensions: 0 x 0
Living Room
- Level: First
- Dimensions: 0 x 0
Master Bathroom
- Level: First
- Dimensions: 0 x 0
Master Bedroom
- Level: First
- Dimensions: 0 x 0
Property
Details
- Parcel number: 011S230930000F0050
- Zoning description: City, Resid Single Family
Features
- Stories: 2
- Patio & porch: Deck,Patio
- Fencing: Partial
Lot
- Lot size: 9,147 sqft
- Features: Dead End
- Lot size dimensions: .21
Parking
- Total spaces: 4
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
- Lightning
- Tornado
- Coastal Flooding
- Cold Wave
- Heat Wave
- Inland Flooding
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Okaloosa County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,275 | $27,300 |
| Home Insurance * | $398 | $4,776 |
| Property Taxes | $442 | $5,304 |
| Electricity | $318 | $3,818 |
| Total | $3,433 | $41,196 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-08 | Price change | $450,000 |
| 2026-06-24 | Listed for sale | $500,000 |
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