About This Home

This 4-bedroom, 3-bathroom single family at 14138 State Highway 20 in Niceville, FL is listed for $665,000 ($303 per sqft). Built in 2003, the home offers 2,198 sqft of living space on a 0.34 acres lot.

Key Features

  • Built in 2003
  • 0.34 acre lot
  • 2 stories
  • 2 parking spaces
  • Fireplace

Property Details

2 stories
3 full
2-car garage
2003

Amenities

FireplaceA/C
Listing Description

PARADISE FOUND WITH STUNNING VIEWS OF CHOCTAWHATCHEE BAY! This home has a NICEVILLE address and is located in CHOCTAW BEACH -- NOT FREEPORT. Perfect location just 2-3 miles from Bluewater Bay and the Mid-Bay Bridge, putting you in Destin in minutes. Close to Eglin AFB, shopping, dining, and everything the Emerald Coast offers.

METICULOUSLY MAINTAINED WITH OVER $250K IN 2020 UPDATES. High ceilings, triple-crown molding, custom trim, and a cozy fireplace add timeless character. Updated kitchen features quartz countertops, soft-close cabinetry, custom tilework, and upgraded lighting.

All bathrooms fully remodeled with high-end finishes. SUNLIGHT FILLS THE HOME WITH SWEEPING BAY VIEWS FROM NEARLY EVERY ROOM. Multiple outdoor living spaces are perfect for relaxing or entertaining. Gated paver entry leads to a charming wrap-around front porch.

ADDITIONAL FEATURES: - Hurricane shutters - 2020 Roof - 2020 HVAC (2 units) - Controlled access gate - Detached 2-car garage with storage - Additional metal shed - Plenty of room for a pool ALL THAT'S MISSING IS YOU! Enjoy multiple outdoor living spaces perfect for relaxing or entertaining.

A gated paver entry leads to the charming wrap-around front porch, offering the ideal spot to unwind and take in the scenery. This home also has Hurricane shutters, 2020 Roof, 2020 HVAC (2 Units) Controlled access gate to enter the property. Septic was pumped in 2020. The detached 2 car garage has lots of storage and space. There is also a separate smaller metal shed on the back of the lot.

Monthly Cost Estimate

$3,557/mo

20% down · 6.5% · 30 years

Principal$481
Interest$2,882
Insurance$194

Estimates only. Actual payments may vary.

Location

14138 State Highway 20

Niceville, FL 32578

CHICKASAW S/D

Features & Amenities

Interior Features

Breakfast BarCeiling Crwn MoldingCeiling RaisedFireplaceLighting RecessedPantryWasher/Dryer Hookup

Exterior Features

BalconyFenced Back YardHurricane ShuttersLawn PumpPavillion/GazeboSprinkler SystemYard Building

Property Details

Flooring

Tile

Construction

Siding Vinyl Trim Vinyl

Outdoor Features

PatioPorch

Parking

OversizeGarage - Detached

Cooling

Central Air

Appliances

Auto Garage Door OpnDishwasherDryerMicrowaveOven Self CleaningStove/Oven ElectricWasherWater Heater - Elect

Questions & Answers

This 4-bedroom, 3-bathroom single family at 14138 State Highway 20 is listed at $665,000 ($303/sqft). The estimated monthly payment is $3,557 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 2003, 0.34 acre lot, 2 stories, 2 parking spaces, Fireplace. Interior Features: Breakfast Bar, Ceiling Crwn Molding, Ceiling Raised. Exterior Features: Balcony, Fenced Back Yard, Hurricane Shutters.

This property is listed by Anita L Williams.

AW

Anita L Williams

License 677358

Agent at The Realty Firm Inc

Listed by The Realty Firm Inc · Broker phone: (850) 585-4869 · View on Broker Site · Broker website

MLS# 997982· Source: Emerald Coast Association of Realtors· 230 days on PropertySimple

Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

14138 State Highway 20, Niceville, FL 32578

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