# 14138 State Highway 20, Niceville, FL 32578 > **TL;DR:** 4bd/3ba single family, $665,000 ($303/sqft), built 2003, 2,198 sqft. > Fireplace, A/C, 2-car garage. Est. $3,557/mo. Listed 232 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $665,000 | | Price/sqft | $303 | | Bedrooms | 4 | | Bathrooms | 3 full | | Square Feet | 2,198 | | Year Built | 2003 | | Lot Size | 14,810 sqft (0.34 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 232 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,363 | | Estimated Insurance | $194 | | **Total** | **$3,557** | ## Nearby Schools - **Elementary:** Freeport - **Middle:** Freeport - **High:** Freeport ## Key Amenities - Fireplace - A/C - 2-car garage ## Property Highlights - Built in 2003 - 0.34 acre lot - 2 stories - 2 parking spaces - Fireplace ## Description ### Agent 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. ## Location - **Address:** 14138 State Highway 20, Niceville, FL 32578 - **County:** Walton - **Neighborhood:** CHICKASAW S/D - **Coordinates:** 30.466241, -86.356397 - **Google Maps:** https://www.google.com/maps?q=30.466241,-86.356397 ## Listing Agent - **Name:** Anita L Williams · **License:** 677358 - **Brokerage:** The Realty Firm Inc - **Broker Phone:** (850) 585-4869 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/14138-State-Highway-20_Niceville_FL_32578_M53586-25334?f=listhub&s=ECARMLSFL&m=997982&c=propsimple) ## Photos ![14138 State Highway 20 - Photo 1](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f1148463447r.jpg) ![14138 State Highway 20 - Photo 2](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3097241222r.jpg) ![14138 State Highway 20 - Photo 3](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f4190208264r.jpg) ![14138 State Highway 20 - Photo 4](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f2819915933r.jpg) ![14138 State Highway 20 - Photo 5](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f64860714r.jpg) ![14138 State Highway 20 - Photo 6](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3111535576r.jpg) ![14138 State Highway 20 - Photo 7](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f2240710547r.jpg) ![14138 State Highway 20 - Photo 8](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3619964849r.jpg) ![14138 State Highway 20 - Photo 9](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f813277560r.jpg) ![14138 State Highway 20 - Photo 10](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3988011567r.jpg) ![14138 State Highway 20 - Photo 11](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f310328378r.jpg) ![14138 State Highway 20 - Photo 12](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f572916170r.jpg) ![14138 State Highway 20 - Photo 13](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f1550878908r.jpg) ![14138 State Highway 20 - Photo 14](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3552561017r.jpg) ![14138 State Highway 20 - Photo 15](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f2765107996r.jpg) ![14138 State Highway 20 - Photo 16](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f2740670286r.jpg) ![14138 State Highway 20 - Photo 17](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3855203167r.jpg) ![14138 State Highway 20 - Photo 18](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f2027918524r.jpg) ![14138 State Highway 20 - Photo 19](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3376484437r.jpg) ![14138 State Highway 20 - Photo 20](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f4171099049r.jpg) ![14138 State Highway 20 - Photo 21](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f1880933483r.jpg) ![14138 State Highway 20 - Photo 22](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f1753245393r.jpg) ![14138 State Highway 20 - Photo 23](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3646233204r.jpg) ![14138 State Highway 20 - 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Photo 34](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f4011317655r.jpg) ![14138 State Highway 20 - Photo 35](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3064206888r.jpg) ![14138 State Highway 20 - Photo 36](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3746998779r.jpg) ![14138 State Highway 20 - Photo 37](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f2546309515r.jpg) ![14138 State Highway 20 - Photo 38](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3043937947r.jpg) ![14138 State Highway 20 - Photo 39](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f2064658763r.jpg) ![14138 State Highway 20 - Photo 40](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f4270877434r.jpg) ![14138 State Highway 20 - Photo 41](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3585800013r.jpg) ![14138 State Highway 20 - Photo 42](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f279619250r.jpg) ![14138 State Highway 20 - Photo 43](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3547519625r.jpg) ![14138 State Highway 20 - Photo 44](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f1314028448r.jpg) ![14138 State Highway 20 - Photo 45](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f2951577308r.jpg) ![14138 State Highway 20 - Photo 46](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f2020612885r.jpg) ![14138 State Highway 20 - Photo 47](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f2888552502r.jpg) ![14138 State Highway 20 - Photo 48](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f602505171r.jpg) ![14138 State Highway 20 - Photo 49](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f564659421r.jpg) ![14138 State Highway 20 - Photo 50](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f1729782934r.jpg) ![14138 State Highway 20 - Photo 51](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f499660407r.jpg) ![14138 State Highway 20 - Photo 52](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f2750267774r.jpg) ![14138 State Highway 20 - Photo 53](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f1028978974r.jpg) ![14138 State Highway 20 - Photo 54](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f675581238r.jpg) ![14138 State Highway 20 - Photo 55](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f3369695411r.jpg) ![14138 State Highway 20 - Photo 56](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f1431884254r.jpg) ![14138 State Highway 20 - Photo 57](http://lh.rdcpix.com/5cce84279667714b9cfc7f4ceecbe3abl-f265719315r.jpg) --- **MLS#:** 997982 | **Updated:** 2026-10-27 **Source:** listhub *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.* [View on PropertySimple](https://staging.propertysimple.ai/listing/14138-state-highway-20-niceville-fl-32578-29774a898e914f88a7650ee97e62e778) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/14138-state-highway-20-niceville-fl-32578-29774a898e914f88a7650ee97e62e778#listing", "url": "https://staging.propertysimple.ai/listing/14138-state-highway-20-niceville-fl-32578-29774a898e914f88a7650ee97e62e778", "name": "14138 State Highway 20, Niceville, FL 32578", "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. 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