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1802 23rd St, Niceville, FL, 32578

4beds
4baths
3,107sqft
$1,490,000
$480price/sqft
$10,785/moest. monthly cost
$431,400/yrincome needed

About This Home

CAREFREE waterfront living on a protected deep-water lot with 166' on Rocky Bayou!! This charming home is located on a private .68-acre lot on Rocky Bayou with panoramic views across the bayou from the Rocky Bayou bridge out towards Choctawhatchee Bay. Along with a HUGE yard, this home also comes with a double seawall as well as a dock with both a boathouse and a sailboat slip. The home was renovated in 2015 with the addition of a large kitchen, family room, dining room, office and master suite downstairs that offer captivating water views that take your breath away!! The kitchen is a chefs dream with an abundance of custom cabinets, beautiful granite counter tops, stainless appliances, a walk-in pantry and a large island breakfast bar. The kitchen is open to the family room accented with gorgeous wood ceiling beams that complement the hardwood floors and beautiful granite fireplace. The dining room is open to both the family room and kitchen and can accommodate oversized furniture. Just down the hall, you will find an office with double pocket doors for privacy. Adjacent to that is the master suite offering amazing bayou views and pampering you with a luxurious bath featuring 2 vanities, a jetted tub, a walk-in shower and a walk-in closet. Both the master bedroom and family room have doors to the screened porch where you will spend countless hours enjoying the gorgeous sunrise in the morning, the gentle bayou breeze in the afternoon and the spectacular moonrise at night! Upstairs you will find another large master suite overlooking the bayou with two walk in closets and a private bath. There is also a convenient loft area as well as two additional bedrooms and another full bath. One of the upstairs bedrooms was expanded and offers a large sitting area as well as a walk-in closet. Enjoy life on the bayou by enjoying the views from the back deck, sitting around the firepit, having a bar-b-q on the paver patio or sipping a cup of coffee on the screened porch while watching the sun rise. The dock offers a kayak platform as well as a covered boathouse and a boat slip for a sailboat. The property is protected by a seawall with rip-rap and a retaining wall as well. This is the "trifecta" of waterfront properties...1. Protected DEEP water, 2. AMAZING views and 3. NO FLOOD INSURANCE required because of the elevation of the lot! Practical notes: roof (2013 reroof, 2015 addition roof, 2023 master bedroom roof), HVAC systems (2024 upstairs, 2019 & 2015 downstairs), tankless water heater (2025), Welcome home and enjoy carefree waterfront living ''sittin' on the dock of the bay watchin' the tide roll away..

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

10/10
9/10
7/10

Construction

Condition

  • Property condition: Construction Complete,Renovated
  • Year built: 1985

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Siding Brick Some,Siding CmntFbrHrdBrd

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Microwave,Range Hood,Electric Water Heater,Gas Water Heater,Tankless Water Heater
  • Laundry features: Washer/Dryer Hookup

Bathroom

  • Level: First
  • Area: 30
  • Dimensions: 5 x 6

Bathroom

  • Level: Second
  • Area: 70
  • Dimensions: 7 x 10

Bedroom

  • Level: Second
  • Area: 220
  • Dimensions: 10 x 22

Bedroom

  • Level: Second
  • Area: 99
  • Dimensions: 9 x 11

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 154
  • Dimensions: 11 x 14

Family Room

  • Level: First
  • Area: 399
  • Dimensions: 19 x 21

Features

  • Breakfast Bar,Beamed Ceilings,Vaulted Ceiling(s),Kitchen Island,Newly Painted,Pantry,Split Bedroom,Woodwork Painted
  • Window features: Double Pane Windows,Window Treatments,Hurricane Shutters
  • Flooring: Hardwood,Tile,Carpet
  • Fireplace features: Gas
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Common walls with other units/homes: No Common Walls

Foyer

  • Level: First
  • Area: 65
  • Dimensions: 13 x 5

Garage

  • Level: First
  • Area: 494
  • Dimensions: 26 x 19

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,107
  • Total interior livable area: 3,107 sqft

Kitchen

  • Level: First
  • Area: 190
  • Dimensions: 19 x 10

Laundry

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

Loft

  • Level: Second
  • Area: 35
  • Dimensions: 7 x 5

Master Bathroom

  • Level: First
  • Area: 130
  • Dimensions: 13 x 10

Master Bathroom

  • Level: Second
  • Area: 70
  • Dimensions: 7 x 10

Master Bedroom

  • Level: First
  • Area: 225
  • Dimensions: 15 x 15

Master Bedroom

  • Level: Second
  • Area: 230
  • Dimensions: 10 x 23

Office

  • Level: First
  • Area: 72
  • Dimensions: 6 x 12

Screened Porch

  • Level: First
  • Area: 240
  • Dimensions: 20 x 12

Property

Details

  • Parcel number: 091S22000000240020
  • Zoning description: County, Resid Single Family

Features

  • Stories: 2
  • Patio & porch: Deck,Screened
  • Exterior features: Boat Slip,Dock,Outdoor Shower
  • Fencing: Chain Link,Full
  • Has view: Yes
  • View description: Bay,Bayou
  • Has water view: Yes
  • Water view: Bay,Bayou
  • Waterfront features: Bayou,Shore - Natural,Seawall

Lot

  • Lot size: 0.68 Acres
  • Features: Irregular Lot
  • Lot size dimensions: IRREGULAR

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Other,Oversized,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
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Inland Flooding
Tornado
Coastal Flooding
Cold Wave
Heat Wave
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 $7,534$90,408
Home Insurance *$1,320$15,840
Property Taxes $1,619$19,428
Electricity $312$3,752
Total$10,785$129,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$369,771/yr
40% on housing$323,550/yr
45% on housing$287,600/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

$480This listing

vs Other Active Listings

Avg $/sqft

ZIP 32578$254
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
2026-06-28Listed for sale$1,490,000
2025-07-22Listing removed$1,490,000
2025-07-21Listing removed$4,500
2025-07-10Listed for rent$4,500
2025-06-03Price change$1,490,000
2025-04-25Price change$1,550,000
2025-03-01Listed for sale$1,600,000
2015-12-31Sold$495,000
2015-03-04Sold$495,000
2014-10-06Listing removed$549,900
2014-04-19Price change$549,900
2013-10-21Listed for sale$599,900

For Sale by Agent

AgentTeam Busovne
BrokerageKeller Williams Realty Nville

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