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69 Owen St, Niceville, FL, 32578

3beds
2baths
1,905sqft
$469,900
$247price/sqft
$3,180/moest. monthly cost
$127,200/yrincome needed

About This Home

Stunning craftsmanship in this new construction all-brick 3-bedroom, 2-bath home sitting on a corner lot. $10,000 towards buyers closing cost. This modern home features 1,905 sq.ft. with high-end custom finishes, and exceptional detail throughout the home. Come get settled into a neighborhood less than 2 miles East of Bluewater Bay and the Mid-Bay Bridge surrounded by new construction! This home blends timeless quality with today's most desired features, creating a home that is as functional as it is beautiful. Entering the home, you have an oversized foyer that immediately sets the tone for the custom finishes found throughout. Premium LVP flooring throughout the entire home, paired with crown molding and reverse trey ceiling with lighting, providing a seamless aesthetic. Enter into the spacious living room with an open concept that provides an abundance of natural light with high impact windows, neutral finishes and modern lighting. Additional features include a floor outlet in the family room, perfect for floor plugs, lamps or phone charges without obstructing walkways. The kitchen is a Show Stopper, designed with both style and functionality. Featuring white shaker cabinetry with soft close doors, a farm sink, white ceramic back-splash, quartz countertops, stainless steel Whirlpool appliance package and a large walk-in pantry. The oversized 8ft island and the 6ft coffee bar add the perfect finishes! As you enter the spacious primary suite, you're greeted with natural light and you'll love the reverse trey with custom changeable lighting. Especially in the evening! The spa-like bathroom is beautifully accented with a 6ft soaking tub with shiplap accents, custom led lighting behind the mirrors with changeable colors. A custom-built full-length mirror and the spa-like shower features a built-in bench, rain head, front sprayer and a handheld sprayer conveniently placed beside the bench. Custom shelving makes the walk in closet perfect for organization. This split floor plan provides two more bedrooms and another full bath. Laundry, you will actually want to do the laundry, with a custom folding table with quartz countertop, and built-in shelving. When you want to relax, and rewind, the back yard is the place! You'll enjoy a screened in porch with ceiling fan, flood lights on each end of the house and an extra paver pad across the back of the home for a full patio set and grill. Maintenance is easily obtained with this fully sodded yard, sprinkler system that works off a separate well and a 6 ft. privacy fence with gutters installed. Theres an alley road for these homes that give an entrance to the back yard as well. A double gate has been installed on the back right side, ideal for ATV's, jet ski or a trailer. For energy efficiency, the builder has installed upgraded spray foam in the roof. You will also enjoy the storage above the garage along with the upgraded epoxy garage floor. This builder takes great pride in his homes and it shows! Five new homes are under construction. The builder is offering $10,000.00 towards the buyers closing cost, doc stamps on the deed, split title insurance and all title related fees. Restaurants, boat launch, Eglin Air Force Base, Special Forces, Emerald Coast beaches, shopping, hospitals and more are very close. Call today for a viewing, and Welcome Home!

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
7/10
Freeport Middle SchoolGrades 5-814.3 mi
8/10
Freeport Senior High SchoolGrades 9-1218.2 mi

Construction

Condition

  • Property condition: Under Construction
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Frame,Brick,Trim Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bathroom

  • Level: First
  • Area: 49.5
  • Dimensions: 9 x 5.5

Bedroom

  • Level: First
  • Area: 143
  • Dimensions: 11 x 13

Bedroom

  • Level: First
  • Area: 143
  • Dimensions: 11 x 13

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 123.76
  • Dimensions: 10.4 x 11.9

Features

  • Breakfast Bar,Crown Molding,Tray Ceiling(s),Kitchen Island,Recessed Lighting,Pantry,Shelving,Split Bedroom
  • Window features: Double Pane Windows
  • Flooring: Vinyl
  • Attic: Pull Down Stairs
  • Common walls with other units/homes: No Common Walls

Garage

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

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,905
  • Total interior livable area: 1,905 sqft

Kitchen

  • Level: First
  • Area: 170.3
  • Dimensions: 13 x 13.1

Laundry

  • Level: First
  • Area: 71.175
  • Dimensions: 9.75 x 7.3

Living Room

  • Level: First
  • Area: 358.6
  • Dimensions: 22 x 16.3

Master Bedroom

  • Level: First
  • Area: 221
  • Dimensions: 17 x 13

Pantry

  • Level: First
  • Area: 38.25
  • Dimensions: 8.5 x 4.5

Screened Porch

  • Level: First
  • Area: 125.4
  • Dimensions: 20.9 x 6

Property

Details

  • Parcel number: 301S21411000360010
  • Zoning description: County, Resid Single Family

Features

  • Stories: 1
  • Patio & porch: Patio,Screened
  • Exterior features: Private Yard,Sprinkler System,Rain Gutters
  • Fencing: Privacy

Lot

  • Lot size: 7,500 sqft
  • Features: Level
  • Lot size dimensions: 50 x 150

Parking

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

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Walton 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 $2,376$28,512
Home Insurance *$416$4,992
Property Taxes $191$2,292
Electricity $197$2,366
Total$3,180$38,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,028/yr
40% on housing$95,400/yr
45% on housing$84,800/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: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 8.0%
8.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$247This listing

vs Other Active Listings

Avg $/sqft

ZIP 32578$258
Walton County$485

vs Homes Sold Last Month

Median $/sqft

ZIP 32578$245
Walton County$400

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
2026-08-06Price change$469,999
2026-06-30Listed for sale$469,900

For Sale by Agent

AgentAngela E Gainer
BrokerageLPT Realty LLC

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