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923 Lido Cir, Niceville, FL, 32578

7beds
8baths
6,952sqft
$3,800,000
$547price/sqft
$26,901/moest. monthly cost
$1,076,040/yrincome needed

About This Home

Offered exclusively for the first time, 923 Lido Circle is a rare opportunity to own a masterfully designed, European-inspired bayfront estate in the coveted Bluewater Bay community. With nearly 7,000 square feet of living space and 8,710 total square feet, this home exemplifies elegance, privacy, and exceptional craftsmanship — all set on 100 feet of private waterfront along stunning Choctawhatchee Bay. Built by Maurice Sweet of Tier One Custom Homes, with meticulous German engineering, the home features exquisite European details throughout, from a scroll detailing the home's history encased in a glass-tiled entryway to custom Murano glass light fixtures, imported finishes, and high-end design elements. Each of the seven generously sized bedrooms features an ensuite, providing comfort and privacy for family and guests. A bay front office with a private bath serves as a tranquil work-from-home space with panoramic water views. The chef's kitchen is equipped with premium Miele appliances, including a steamer, wine refrigerator, ice maker, and a refrigerated walk-in pantry, perfect for both entertaining and everyday luxury. Large, open-concept living areas flow seamlessly, creating a layout ideal for gatherings, while still offering intimate retreats throughout the home. Outdoors, a fully enclosed saltwater pool and spa are surrounded by covered patios and balconies, with a summer kitchen complete with food prep and cooking areas. Whether relaxing by the pool or entertaining guests, the outdoor living spaces provide year-round enjoyment with sweeping views of the bay. The property's private party deck extends over the bay, providing a front-row seat to daily dolphin sightings, vibrant sunsets, and colorful rainbows. It's also equipped for boat dockage, offering convenient access to boating and water sports. Additional features include a guest house under beam, oversized walk-in closets, bidets in most bathrooms, solar panels for energy efficiency, and electronically controlled storm shutters for added security and peace of mind. Located in a quiet, upscale enclave of Bluewater Bay, this home is just minutes from the marina, Freedom Boat Club, sailing, water sports, LJ Schooners waterfront restaurant, and a host of recreational amenities, including golf, tennis, pickle ball, community pools, and walking trails. Destin's famed white-sand beachesincluding Crystal Beachare only a 10-minute drive away. The area also offers proximity to top-rated schools, shopping, dining, parks, hospitals, and all the conveniences of the Emerald Coast lifestyle. For the discerning buyer seeking a serene retreat that doesn't compromise on luxury, access, or amenities, this home represents an unparalleled coastal living experience.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
9/10
7/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2002

Materials

  • Construction materials: Block,Concrete

Type & Style

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

Interior

Appliances

  • Laundry features: Common Area

Bedroom

  • Level: First
  • Area: 240
  • Dimensions: 15 x 16

Bedroom

  • Level: First
  • Area: 182
  • Dimensions: 13 x 14

Bedroom

  • Level: Second
  • Area: 300
  • Dimensions: 15 x 20

Bedroom

  • Level: Second
  • Area: 300
  • Dimensions: 15 x 20

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 8
  • Full bathrooms: 8

Family Room

  • Level: First
  • Area: 216
  • Dimensions: 12 x 18

Features

  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total structure area: 6,952
  • Total interior livable area: 6,952 sqft

Kitchen

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

Living Room

  • Level: First
  • Area: 210
  • Dimensions: 15 x 14

Master Bathroom

  • Level: First
  • Area: 308
  • Dimensions: 11 x 28

Master Bedroom

  • Level: First
  • Area: 330
  • Dimensions: 15 x 22

Other

  • Level: Second
  • Area: 1551
  • Dimensions: 33 x 47

Property

Details

  • Parcel number: 221S224810000A0260
  • Zoning description: Resid Single Family

Features

  • Stories: 2
  • Has view: Yes
  • View description: Bay
  • Has water view: Yes
  • Water view: Bay
  • On waterfront: Yes
  • Waterfront features: Bay,Seawall

Lot

  • Lot size dimensions: 100 x 300 x 105 x 250

Parking

  • Parking features: Boat,Golf Cart Garage
  • Has garage: 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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Heat Wave
Strong Wind
Tornado
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 $19,214$230,568
Home Insurance *$3,368$40,416
Property Taxes $3,620$43,440
Electricity $699$8,395
Total$26,901$322,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$922,320/yr
40% on housing$807,030/yr
45% on housing$717,360/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

$547This listing

vs Other Active Listings

Avg $/sqft

ZIP 32578$252
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
2025-11-06Listed for sale$3,800,000
2001-04-18Sold$395,000

For Sale by Agent

AgentSuzanne G McDaniel
BrokerageScenic Sotheby's International Realty

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