




4156 Beach Dr, Niceville, FL, 32578
About This Home
Built in 1991 by its original owners and offered for the first time, this property presents a rare opportunity defined by privacy, scale, and 142 feet of direct waterfront on Rocky Bayou. Set on a 0.7-acre elevated homesite outside a flood zone, it has never flooded, underscoring elevation and long-term security. The property consists of two separate structures: the main residence offers 4 bedrooms, 3.5 baths, and approx. 3,088 sq ft (excluding attached 2-car garage). A circular driveway connects the residences. The detached apartment offers 1 bedroom, 1.5 baths, approx. 1,312 sq ft, with a heated 1-car garage and below-grade storm shelter/safe room. A newly built 100-foot pier with flow-through fiberglass decking extends into Rocky Bayou, offering direct boating and fishing access. Destin, Mid-Bay Bridge, and Bluewater Bay Marina and restaurant (0.5 miles) are easily reached by water or land. Views span over five miles across Rocky Bayou toward Choctawhatchee Bay and the Destin skyline. The main level includes 3 bedrooms with Jack and Jill bath plus private ensuite, open living and dining anchored by a stone masonry fireplace with iron and brass. Large windows frame uninterrupted water views. The kitchen and breakfast nook face the bayou, and the family room opens to a screened porch for seamless indoor-outdoor living. Includes laundry with exterior access and lift prewire, half bath, and attached 2-car garage. Upstairs, the primary suite offers a full bath and jacuzzi tub beside a bay window overlooking the water. A loft office with built-in bookcase and a 14x14 bonus room with full-length closet add flexibility. The secondary structure is fully independent with open kitchen, living, dining, laundry, and storage. Daily conveniences including Publix, shopping, and dining are less than 1 mile away. A rare waterfront estate where elevation, privacy, and dual-residence flexibility come together in a setting defined by water, light, and long-range views.
Getting Around
Schools
Construction
Condition
- Property condition: Resale
- Year built: 1991
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Brick,Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman, Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater
Bedroom
- Level: First
- Area: 156
Bedroom1
- Level: First
- Area: 121
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Flooring: Brick,Concrete,Stone,Tile,Carpet
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 3,088
- Total interior livable area: 4,400 sqft
Property
Details
- Parcel number: 091s22025000040170
- Zoning description: County
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Exterior features: Dock,Boat Slip
- Has view: Yes
- View description: Bay,Water
- Has water view: Yes
- Water view: Bay, Water
- On waterfront: Yes
- Waterfront features: Bay,Waterfront,Block/Seawall,Pier
- Frontage length: Water Frontage(142)
Lot
- Lot size: 0.70 Acres
- Features: Central Access
Parking
- Total spaces: 2
- Parking features: 2 Car Garage,Circular Driveway
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
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
- Inland Flooding
- Tornado
- Coastal Flooding
- Cold Wave
- Heat Wave
- 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 | $11,250 | $135,000 |
| Home Insurance * | $1,972 | $23,664 |
| Property Taxes | $2,106 | $25,272 |
| Electricity | $442 | $5,313 |
| Total | $15,770 | $189,240 |
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 |
|---|---|---|
| 2026-05-01 | Listed for sale | $2,225,000 |
