See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

4156 Beach Dr, Niceville, FL, 32578

4beds
4baths
4,400sqft
$2,225,000
$506price/sqft
$15,770/moest. monthly cost
$630,800/yrincome needed

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

32
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

10/10
9/10
7/10

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
    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 $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
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$540,685/yr
40% on housing$473,100/yr
45% on housing$420,533/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

$506This listing

vs Other Active Listings

Avg $/sqft

ZIP 32578$253
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
2026-05-01Listed for sale$2,225,000

For Sale by Agent

AgentHeidy Miner
BrokeragePoppy Properties LLC

Similar Homes