Curious about this home?

Ask anything — no agents, no pressure

Try asking

About This Home

This 4-bedroom, 3-bathroom single family at 14138 State Highway 20 in Niceville, FL is listed for $665,000 ($303 per sqft). Built in 2003, the home offers 2,198 sqft of living space on a 0.34 acres lot.

Agent Description

Paradise Found with stunning views of Choctawhatchee Bay and beyond! This home has a Niceville address and is located in Choctaw Beach it is NOT in Freeport! Perfect location just 2-3 miles from Bluewater Bay and the Mid-Bay Bridge, putting you in Destin in 15 minutes.

Close to Eglin AFB, other bases, shopping, dining and EVERYTHING the Emerald Coast has to offer! Meticulously maintained with over $250K in 2020 updates, this home blends timeless character with modern luxury. High ceilings, triple-crown molding, custom trim, and a cozy fireplace elevate the interior.

The updated kitchen features quartz countertops, soft-close cabinetry, custom tilework, and upgraded lighting. All bathrooms are fully remodeled with high-end finishes. Sunlight fills the home, and nearly every room offers sweeping bay views. 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. 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. Plenty of room for a pool and whatever your heart desires! All that is 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.

Key Features

  • Built in 2003
  • 0.34 acre lot
  • 2 stories
  • 2 parking spaces
  • Fireplace

Property Details

2 stories
3 full
2 spaces
2003

Amenities

FireplaceA/C

Monthly Cost Estimate

$3,557/mo

20% down · 6.5% · 30 years

Principal$481
Interest$2,882
Insurance$194

Estimates only. Actual payments may vary.

Location

14138 State Highway 20

Niceville, FL 32578

CHICKASAW S/D

Features & Amenities

Interior Features

Breakfast BarCeiling Crwn MoldingCeiling RaisedFireplaceLighting RecessedPantryWasher/Dryer Hookup

Exterior Features

BalconyFenced Back YardHurricane ShuttersLawn PumpPavillion/GazeboSprinkler SystemYard Building

Property Details

Flooring

Tile

Construction

Siding Vinyl Trim Vinyl

Pool Features

PorchPatio

Parking

OversizeGarage - Detached

Cooling

Central Air

Appliances

Auto Garage Door OpnDishwasherDryerMicrowaveOven Self CleaningStove/Oven ElectricWasherWater Heater - Elect

Questions & Answers

This 4-bedroom, 3-bathroom single family at 14138 State Highway 20 is listed at $665,000 ($303/sqft). The estimated monthly payment is $2,882 based on 20% down at 6.5% interest.

Key features include: Built in 2003, 0.34 acre lot, 2 stories, 2 parking spaces, Fireplace. Interior Features: Breakfast Bar, Ceiling Crwn Molding, Ceiling Raised. Exterior Features: Balcony, Fenced Back Yard, Hurricane Shutters.

This property is listed by Anita L Williams and can be reached at (850) 585-4869 or anitawilliamsbroker@gmail.com.

AW

Anita L Williams

Agent at The Realty Firm Inc

(850) 585-4869

Listed by The Realty Firm Inc · View on Broker Site

MLS# 997982· Source: listhub· Updated 79 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.

14138 State Highway 20, Niceville, FL 32578

Open this listing in: