About This Home

This 4-bedroom, 3-bathroom single family at 4440 Windward Lane Cove in Niceville, FL is listed for $720,000 ($238 per sqft). Built in 1989, the home offers 3,020 sqft of living space on a 0.28 acres lot.

Key Features

  • Built in 1989
  • 0.28 acre lot
  • 2 stories
  • 2 parking spaces
  • Fireplace

Property Details

2 stories
3 full
2-car garage
1989

Amenities

FireplaceA/C
Listing Description

RENOVATED 4-BEDROOM, 3-BATH HOME IN WINDWARD AT BLUEWATER BAY! Nestled on a tree-shaded lot in this highly sought-after gated community, a short distance to the community beach park with access to the bay. This classic floor plan features formal living and dining rooms, and a cozy den with fireplace, custom wainscoting, and architectural columns.

Popcorn ceilings have been replaced with smooth knockdown texture, every room has been freshly painted, and new carpet has been installed. Tile flooring extends through the kitchen, foyer, downstairs family room, and all wet areas. Beautiful renovated kitchen with white shaker cabinetry, new granite countertops, and a spacious island.

The oversized primary suite offers an updated ensuite bath with new flooring, walk-in shower, soaking tub, new vanities, updated lighting, and a generous walk-in closet. Two additional bathrooms feature new vanities and granite countertops. A first-floor bedroom and full bath provide an ideal space for guests or a home office, while two additional bedrooms are located upstairs.

A brand-new deck overlooks the spacious backyard, while a 2-car attached garage provides added convenience. Bluewater Bay offers an array of amenities, including community pools, tennis, golf, a bayfront marina, scenic walking paths, parks, and playgrounds. Enjoy a convenient commute to local military bases, with Destin's white-sand beaches, restaurants, shopping, and entertainment just across the Mid-Bay Bridge.

Monthly Cost Estimate

$4,126/mo

20% down · 6.5% · 30 years

Principal$521
Interest$3,120
Insurance$210
HOA$275

Estimates only. Actual payments may vary.

Location

4440 Windward Lane Cove

Niceville, FL 32578

WINDWARD PH 5

Features & Amenities

Interior Features

Ceiling CathedralCeiling RaisedCeiling Tray/CofferdCeiling VaultedFireplaceKitchen IslandLighting RecessedNewly PaintedPantryPull Down StairsWalls WainscotingWasher/Dryer HookupWoodwork Painted

Exterior Features

Fenced Back YardLawn PumpSprinkler System

Property Details

Flooring

TileCarpet

Construction

Brick Siding Brick Front Siding Vinyl Trim Vinyl

Outdoor Features

Deck

Parking

Garage

Heating

Central

Cooling

Central Air

Appliances

Auto Garage Door OpnDishwasherDisposalRefrigerator W/IceMkSmoke DetectorStove/Oven ElectricWater Heater - Gas

Questions & Answers

This 4-bedroom, 3-bathroom single family at 4440 Windward Lane Cove is listed at $720,000 ($238/sqft). The estimated monthly payment is $4,126 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $275/month.

Key features include: Built in 1989, 0.28 acre lot, 2 stories, 2 parking spaces, Fireplace. Interior Features: Ceiling Cathedral, Ceiling Raised, Ceiling Tray/Cofferd. Exterior Features: Fenced Back Yard, Lawn Pump, Sprinkler System.

This property is listed by Andrew Tidwell.

AT

Andrew Tidwell

License 3056933

Agent at Sound Choice Real Estate, LLC

Listed by Sound Choice Real Estate, LLC · Broker phone: (850) 246-4232 · View on Broker Site

MLS# 1013651· Source: Emerald Coast Association of Realtors· 19 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.

4440 Windward Lane Cove, Niceville, FL 32578

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