# 55 Bay Drive #5202, Niceville, FL 32578

> **TL;DR:** 1bd/1ba condo, $169,900 ($217/sqft), built 1985, 784 sqft.
> A/C. Est. $1,245/mo. Listed 84 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $169,900 |
| Price/sqft | $217 |
| Bedrooms | 1 |
| Bathrooms | 1 full |
| Square Feet | 784 |
| Year Built | 1985 |
| Stories | 2 |
| Property Type | Condo (Condominium) |
| Status | Active |
| Days on Market | 84 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $859 |
| Estimated Insurance | $50 |
| HOA | $336 |
| **Total** | **$1,245** |

## Nearby Schools

- **Elementary:** Bluewater
- **Middle:** Choice-Destin/Ruckel
- **High:** Niceville

## Key Amenities

- A/C

## Property Highlights

- Built in 1985
- 2 stories
- 1 parking spaces

## Description

### Agent Description
Welcome to this inviting second-floor 1-bedroom, 1-bath condo in Garden Oaks Condos, part of the desirable Bluewater Bay community. Filled with natural light, this charming home offers laminate flooring for easy maintenance, with carpet in the living room and bedroom for added comfort. The spacious screened-in balcony, accessible from both the living room and bedroom, creates a wonderful place to relax and enjoy the Florida lifestyle early in the morning or late at night. The kitchen features a convenient layout and plenty of cabinet storage, while the washer conveys with the property for everyday ease. With its comfortable layout, appealing features, and sought-after Bluewater Bay location, this condo is a wonderful opportunity to enjoy low-maintenance and affordable living in a beautiful and convenient setting.

## Location

- **Address:** 55 Bay Drive #5202, Niceville, FL 32578
- **County:** Okaloosa
- **Neighborhood:** GARDEN OAKS CONDO UNIT 5202
- **Coordinates:** 30.488646, -86.425362
- **Google Maps:** https://www.google.com/maps?q=30.488646,-86.425362

## Listing Agent

- **Name:** Debbie K Lewis · **License:** 617586
- **Brokerage:** ERA American Real Estate
- **Phone:** 8508655455
- **Broker Phone:** (850) 651-2454
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/55-Bay-Dr-Apt-5202_Niceville_FL_32578_M66472-52797?f=listhub&s=ECARMLSFL&m=1005935&c=propsimple)

## Photos

![55 Bay Drive #5202 - Photo 1](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f3888690507r.jpg)

![55 Bay Drive #5202 - Photo 2](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f1962990702r.jpg)

![55 Bay Drive #5202 - Photo 3](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f3447939649r.jpg)

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![55 Bay Drive #5202 - Photo 5](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f1704254198r.jpg)

![55 Bay Drive #5202 - Photo 6](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f2665431309r.jpg)

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![55 Bay Drive #5202 - Photo 9](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f276950020r.jpg)

![55 Bay Drive #5202 - Photo 10](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f2186964108r.jpg)

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![55 Bay Drive #5202 - Photo 32](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f2322386664r.jpg)

![55 Bay Drive #5202 - Photo 33](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f3050553792r.jpg)

![55 Bay Drive #5202 - Photo 34](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f2606537825r.jpg)

![55 Bay Drive #5202 - Photo 35](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f929423352r.jpg)

![55 Bay Drive #5202 - Photo 36](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f472801478r.jpg)

![55 Bay Drive #5202 - Photo 37](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f2976089741r.jpg)

![55 Bay Drive #5202 - Photo 38](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f4062437187r.jpg)

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![55 Bay Drive #5202 - Photo 42](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f417411739r.jpg)

![55 Bay Drive #5202 - Photo 43](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f1519576832r.jpg)

![55 Bay Drive #5202 - Photo 44](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f333052412r.jpg)

![55 Bay Drive #5202 - Photo 45](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f425630809r.jpg)

![55 Bay Drive #5202 - Photo 46](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f1000549065r.jpg)

![55 Bay Drive #5202 - Photo 47](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f1135185592r.jpg)

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![55 Bay Drive #5202 - Photo 51](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f1804430280r.jpg)

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![55 Bay Drive #5202 - Photo 56](http://lh.rdcpix.com/8314d8a4398cae25c3f584fa9ff103b8l-f3881719411r.jpg)

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---

**MLS#:** 1005935 | **Updated:** 2026-09-12
**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/55-bay-drive-niceville-fl-32578-1005935)

---

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