Curious about this home?

Ask anything — no agents, no pressure

Try asking

About This Home

This 3-bedroom, 2-bathroom single family at 13636 St Highway 20 in Niceville, FL is listed for $425,898 ($329 per sqft). Built in 1961, the home offers 1,296 sqft of living space on a 0.55 acres lot.

Agent Description

Incredible opportunity across from the Choctawhatchee Bay! This unique property spans two spacious lots, offering endless possibilities-whether you're looking to renovate the existing home or start fresh with new construction. The current 3-bedroom, 2-bath home offers great potential as a fixer-upper investment or a rental, with bay views just steps away.

With two separate lots, you have the option to demolish and build two new homes, making this an ideal project for developers or investors. Enjoy serene water views and bay breezes from this prime location, just minutes from Choctaw Beach Park, boat launch, and all that Niceville has to offer.

Don't miss your chance to own a piece of property in one of the area's most desirable water-view corridors-live in one, sell or rent the other, or create two dream homes. Opportunities like this don't come often! This property isn't just real estate; it's a canvas for vision.

Whether you're a developer aiming for dual-new-build returns, an investor seeking value-add renovation gains, or a waterfront enthusiast dreaming of a beautiful Bayview residence, 13636 E State Hwy 20 delivers unmatched flexibility in a serene, high-demand location. Call today and make it yours!

Key Features

  • Built in 1961
  • 0.55 acre lot
  • 2 stories
  • Fireplace

Property Details

2 stories
2 full
1961

Amenities

FireplaceHardwoodA/C

Monthly Cost Estimate

$2,278/mo

20% down · 6.5% · 30 years

Principal$308
Interest$1,846
Insurance$124

Estimates only. Actual payments may vary.

Location

13636 St Highway 20

Niceville, FL 32578

Features & Amenities

Interior Features

Fireplace

Exterior Features

Yard Building

Property Details

Flooring

HardwoodTile

Construction

Block

Cooling

None (Cooling)

Appliances

MicrowaveStove/Oven Electric

Questions & Answers

This 3-bedroom, 2-bathroom single family at 13636 St Highway 20 is listed at $425,898 ($329/sqft). The estimated monthly payment is $1,846 based on 20% down at 6.5% interest.

Key features include: Built in 1961, 0.55 acre lot, 2 stories, Fireplace. Interior Features: Fireplace. Exterior Features: Yard Building.

This property is listed by Ricky A Fannin and can be reached at 8509741700 or ricky@homebizproperties.com.

RF

Ricky A Fannin

Agent at HomeBiz Properties

(850) 974-1700

Listed by HomeBiz Properties · View on Broker Site

MLS# 979917· Source: listhub· Updated 336 days ago

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.

13636 St Highway 20, Niceville, FL 32578

Open this listing in: