# 231 Windward Cove, Niceville, FL 32578 > **TL;DR:** 5bd/3ba single family, $845,000 ($305/sqft), built 1992, 2,773 sqft. > Fireplace, Hardwood, A/C, 2-car garage. Est. $4,794/mo. Listed 53 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $845,000 | | Price/sqft | $305 | | Bedrooms | 5 | | Bathrooms | 3 full | | Square Feet | 2,773 | | Year Built | 1992 | | Lot Size | 17,860 sqft (0.41 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 53 | ## Why This Home Stands Out - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $4,273 | | Estimated Insurance | $246 | | HOA | $275 | | **Total** | **$4,794** | ## Nearby Schools - **Elementary:** Bluewater - **Middle:** Ruckel - **High:** Niceville ## Key Amenities - Fireplace - Hardwood - A/C - 2-car garage ## Property Highlights - Built in 1992 - 0.41 acre lot - 2 stories - 6 parking spaces - Fireplace ## Description ### Agent Description 2.375% assumable VA Loan! Beautiful executive home located in one of Bluewater Bay's premier gated waterfront communities, featuring a private beach and community dock perfect for swimming, paddleboarding, and kayaking. Situated on a spacious corner lot, this exceptional home offers a private pool, covered back porch, and fully fenced backyard--ideal for entertaining and enjoying the Florida lifestyle. Inside, soaring two-story ceilings create an impressive sense of space in the family room, which flows seamlessly into the updated kitchen. The kitchen features white cabinetry, granite countertops, stainless steel appliances, and a large walk-in pantry. The spacious first-floor primary suite offers a large walk-in closet with custom built-ins and a beautifully renovated primary bathroom featuring a spa tub, dual vanities, and a stunning walk-in stone shower with built-in seating. Two additional bedrooms and a full bathroom are also located on the first floor, along with a versatile flex room that can be used as an office or additional living space. Upstairs, you'll find two additional bedrooms, a loft, and a Jack-and-Jill bathroom. The expansive covered back porch overlooks the private swimming pool and spacious fenced backyard, providing plenty of room for outdoor entertaining! Additional features include a large driveway with ample parking and a cul-de-sac area. This exceptional property combines generous living space, thoughtful updates, and access to outstanding waterfront amenities in a highly desirable Bluewater Bay location. **Major Upgrades include carpet, paint, trim, custom shelving, added 5th bedroom, pool safety fence, backyard fence, interior doors, primary bath & upstairs bath remodel, ceiling fans, 2021 roof & 2021 water heater. Schedule a showing today! ## Location - **Address:** 231 Windward Cove, Niceville, FL 32578 - **County:** Okaloosa - **Neighborhood:** WINDWARD PH 3 - **Coordinates:** 30.484591, -86.439591 - **Google Maps:** https://www.google.com/maps?q=30.484591,-86.439591 ## Listing Agent - **Name:** Zarina S Ellis · **License:** 3397694 - **Brokerage:** Ellis Realty LLC - **Broker Phone:** (910) 789-3656 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/231-Windward-Cv-N_Niceville_FL_32578_M63876-57325?f=listhub&s=ECARMLSFL&m=1011517&c=propsimple) ## Photos ![231 Windward Cove - Photo 1](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f2169921084r.jpg) ![231 Windward Cove - Photo 2](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f2467507311r.jpg) ![231 Windward Cove - Photo 3](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f707162727r.jpg) ![231 Windward Cove - Photo 4](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3495824559r.jpg) ![231 Windward Cove - Photo 5](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f1201850677r.jpg) ![231 Windward Cove - Photo 6](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f1796582651r.jpg) ![231 Windward Cove - Photo 7](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f2348820576r.jpg) ![231 Windward Cove - Photo 8](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3039383854r.jpg) ![231 Windward Cove - Photo 9](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f933326717r.jpg) ![231 Windward Cove - Photo 10](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3705608058r.jpg) ![231 Windward Cove - Photo 11](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f4197783155r.jpg) ![231 Windward Cove - Photo 12](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3740620060r.jpg) ![231 Windward Cove - Photo 13](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f1356204193r.jpg) ![231 Windward Cove - Photo 14](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f4100686343r.jpg) ![231 Windward Cove - Photo 15](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3844905010r.jpg) ![231 Windward Cove - Photo 16](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3352461950r.jpg) ![231 Windward Cove - Photo 17](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f2882735832r.jpg) ![231 Windward Cove - Photo 18](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f2373935911r.jpg) ![231 Windward Cove - Photo 19](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f1158142499r.jpg) ![231 Windward Cove - Photo 20](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3627567515r.jpg) ![231 Windward Cove - Photo 21](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f1597361987r.jpg) ![231 Windward Cove - Photo 22](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f4027876162r.jpg) ![231 Windward Cove - Photo 23](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f1612667491r.jpg) ![231 Windward Cove - Photo 24](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f2749713548r.jpg) ![231 Windward Cove - Photo 25](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f864770891r.jpg) ![231 Windward Cove - Photo 26](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3040342665r.jpg) ![231 Windward Cove - Photo 27](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f1663130488r.jpg) ![231 Windward Cove - Photo 28](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f230877825r.jpg) ![231 Windward Cove - Photo 29](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f4235639282r.jpg) ![231 Windward Cove - Photo 30](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f4194242408r.jpg) ![231 Windward Cove - Photo 31](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f119493342r.jpg) ![231 Windward Cove - Photo 32](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f4226857108r.jpg) ![231 Windward Cove - Photo 33](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f1704335023r.jpg) ![231 Windward Cove - Photo 34](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3237735582r.jpg) ![231 Windward Cove - Photo 35](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f237274045r.jpg) ![231 Windward Cove - Photo 36](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3710883894r.jpg) ![231 Windward Cove - Photo 37](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f563753119r.jpg) ![231 Windward Cove - Photo 38](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3854442565r.jpg) ![231 Windward Cove - Photo 39](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f2161112125r.jpg) ![231 Windward Cove - Photo 40](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3667745388r.jpg) ![231 Windward Cove - Photo 41](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f2255910900r.jpg) ![231 Windward Cove - Photo 42](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3816043201r.jpg) ![231 Windward Cove - Photo 43](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f578748961r.jpg) ![231 Windward Cove - Photo 44](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3456578426r.jpg) ![231 Windward Cove - Photo 45](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f812213008r.jpg) ![231 Windward Cove - Photo 46](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f1415054984r.jpg) ![231 Windward Cove - Photo 47](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3278143214r.jpg) ![231 Windward Cove - Photo 48](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f1692491711r.jpg) ![231 Windward Cove - Photo 49](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f269993949r.jpg) ![231 Windward Cove - Photo 50](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f967366176r.jpg) ![231 Windward Cove - Photo 51](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f1684135250r.jpg) ![231 Windward Cove - Photo 52](http://lh.rdcpix.com/a460afe7e8b2f748aee52d5645e4a0b7l-f3358632668r.jpg) --- **MLS#:** 1011517 | **Updated:** 2026-10-21 **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/231-windward-cove-niceville-fl-32578-d7079152c28748e4b7fe3471ed6ddc53) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/231-windward-cove-niceville-fl-32578-d7079152c28748e4b7fe3471ed6ddc53#listing", "url": "https://staging.propertysimple.ai/listing/231-windward-cove-niceville-fl-32578-d7079152c28748e4b7fe3471ed6ddc53", "name": "231 Windward Cove, Niceville, FL 32578", "description": "2.375% assumable VA Loan! Beautiful executive home located in one of Bluewater Bay's premier gated waterfront communities, featuring a private beach and community dock perfect for swimming, paddleboarding, and kayaking. Situated on a spacious corner lot, this exceptional home offers a private pool, covered back porch, and fully fenced backyard--ideal for entertaining and enjoying the Florida lifestyle. Inside, soaring two-story ceilings create an impressive sense of space in the family room, which flows seamlessly into the updated kitchen. The kitchen features white cabinetry, granite countertops, stainless steel appliances, and a large walk-in pantry. The spacious first-floor primary suite offers a large walk-in closet with custom built-ins and a beautifully renovated primary bathroom featuring a spa tub, dual vanities, and a stunning walk-in stone shower with built-in seating. Two additional bedrooms and a full bathroom are also located on the first floor, along with a versatile flex room that can be used as an office or additional living space. Upstairs, you'll find two additional bedrooms, a loft, and a Jack-and-Jill bathroom. 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