# 13947 FL-20, Niceville, FL 32578

> **TL;DR:** 3bd/2ba single family, $429,000 ($213/sqft), built 1981, 2,016 sqft.
> Waterfront, A/C. Est. $2,294/mo. Listed 155 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $429,000 |
| Price/sqft | $213 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 2,016 |
| Year Built | 1981 |
| Lot Size | 10,454 sqft (0.24 acres) |
| Stories | 2 |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 155 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,169 |
| Estimated Insurance | $125 |
| **Total** | **$2,294** |

## Nearby Schools

- **Elementary:** Freeport
- **Middle:** Freeport
- **High:** Freeport

## Key Amenities

- Waterfront
- A/C

## Property Highlights

- Built in 1981
- 0.24 acre lot
- 2 stories
- Waterfront

## Description

### Agent Description
This is what people dream about... Wide-open bay views, peaceful mornings, and sunsets that never get old. Sitting on a .24-acre waterfront lot, this property is all about the location. The existing home is being sold as is, giving you the opportunity to renovate, rebuild, or create something completely your own. If you've been waiting for the right waterfront lot to come along--this might be it. Opportunities like this don't come around often.

## Location

- **Address:** 13947 FL-20, Niceville, FL 32578
- **County:** Walton
- **Neighborhood:** CHICKASAW S/D
- **Coordinates:** 30.466089, -86.353047
- **Google Maps:** https://www.google.com/maps?q=30.466089,-86.353047

## Listing Agent

- **Name:** Scott Summerlin · **License:** 3607467
- **Brokerage:** Coldwell Banker Realty
- **Phone:** 8505828783
- **Broker Phone:** (850) 501-1545
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/13947-State-Highway-20_Niceville_FL_32578_M53056-33163?f=listhub&s=ECARMLSFL&m=1000676&c=propsimple)

## Photos

![13947 FL-20 - Photo 1](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f2108765077r.jpg)

![13947 FL-20 - Photo 2](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f2446201763r.jpg)

![13947 FL-20 - Photo 3](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f4177610962r.jpg)

![13947 FL-20 - Photo 4](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f3362275648r.jpg)

![13947 FL-20 - Photo 5](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f3108743008r.jpg)

![13947 FL-20 - Photo 6](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f768700509r.jpg)

![13947 FL-20 - Photo 7](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f3126232539r.jpg)

![13947 FL-20 - Photo 8](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f956017837r.jpg)

![13947 FL-20 - Photo 9](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f1459789462r.jpg)

![13947 FL-20 - Photo 10](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f2324797778r.jpg)

![13947 FL-20 - Photo 11](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f1752902739r.jpg)

![13947 FL-20 - Photo 12](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f1367874398r.jpg)

![13947 FL-20 - Photo 13](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f3151783647r.jpg)

![13947 FL-20 - Photo 14](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f3696939611r.jpg)

![13947 FL-20 - Photo 15](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f631741205r.jpg)

![13947 FL-20 - Photo 16](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f1219058544r.jpg)

![13947 FL-20 - Photo 17](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f570183336r.jpg)

![13947 FL-20 - Photo 18](http://lh.rdcpix.com/8bf2f912be14df862176e46cbdcad9bcl-f3288852r.jpg)

---

**MLS#:** 1000676 | **Updated:** 2026-08-27
**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://www.propertysimple.ai/listing/13947-fl-20-niceville-fl-32578-1000676)

---

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