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Listing provided courtesy of The Realty Firm Inc- MLS# 997982MLS Provider

14138 State Highway 20Niceville, FL 32578

Single Family · 4 Beds · 3 Full Baths · 2,198 Sq. ft. | 0.34 Acres
$665,000 Active

14138 State Highway 20 Overview

Time on Site:
107 days
Visits:
2

PARADISE FOUND WITH STUNNING VIEWS OF CHOCTAWHATCHEE BAY! This home has a NICEVILLE address and is located in CHOCTAW BEACH -- NOT FREEPORT. Perfect location just 2-3 miles from Bluewater Bay and the Mid-Bay Bridge, putting you in Destin in minutes. Close to Eglin AFB, shopping, dining, and everything the Emerald Coast offers. METICULOUSLY MAINTAINED WITH OVER $250K IN 2020 UPDATES. High ceilings, triple-crown molding, custom trim, and a cozy fireplace add timeless character. Updated kitchen features quartz countertops, soft-close cabinetry, custom tilework, and upgraded lighting. All bathrooms fully remodeled with high-end finishes. SUNLIGHT FILLS THE HOME WITH SWEEPING BAY VIEWS FROM NEARLY EVERY ROOM. Multiple outdoor living spaces are perfect for relaxing or entertaining. Gated paver entry leads to a charming wrap-around front porch. ADDITIONAL FEATURES: - Hurricane shutters - 2020 Roof - 2020 HVAC (2 units) - Controlled access gate - Detached 2-car garage with storage - Additional metal shed - Plenty of room for a pool ALL THAT'S 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.

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14138 State Highway 20 Facts & Features

  • Type Single Family
  • Sq. ft. 2,198
  • Price/Sq.ft. $303
  • Lot 0.34 Acres

Details

General

School Information

  • Elementary School: Freeport
  • Middle Or Junior School: Freeport
  • High School: Freeport

Listing Information

  • Buyer Financing: Conventional,VA

Building Information

  • New Construction: false
  • Year Built: 2003

Location/Region

  • County Or Parish: Walton
  • MLS Area Major: 20 - Freeport
  • MLS Area Minor: 2002 - Choctaw Beach
  • Subdivision Name: CHICKASAW S/D

Tax Information

  • Tax Annual Amount: 2764.5
  • Tax Year: 2025

General Information

  • Parcel Number: 28-1S-21-41020-002-0370
  • Property Condition: Renovated,Construction Complete
  • Property Sub Type: Detached Single Family
  • Property Type: Residential
  • Zoning: Resid Single Family

Interior

Parking Information

  • Garage Spaces: 2.0

Beds/Baths

  • Bathrooms Full: 3
  • Bathrooms Half: 0
  • Bathrooms Total: 3
  • Bedrooms Total: 4

Building Interior

  • Building Area Source: Agent-Measured
  • Building Area Total: 2198.0

General Information

  • Appliances: Auto Garage Door Opn,Dishwasher,Dryer,Microwave,Oven Self Cleaning,Stove/Oven Electric,Washer,Water Heater - Elect
  • Interior Features: Breakfast Bar,Ceiling Crwn Molding,Ceiling Raised,Fireplace,Lighting Recessed,Pantry,Washer/Dryer Hookup
  • Rooms Total: 10
  • Stories: 2
  • Window Features: Window Treatmnt Some

Exterior

Parking Information

  • Parking Features: Garage Detached,Oversized

Lot Information

  • Lot Features: Within 1/2 Mile to Water
  • Lot Size Acres: 0.34
  • Lot Size Area: 0.34
  • Lot Size Dimensions: 85X201X85X192
  • Lot Size Square Feet: 14810.4
  • Lot Size Units: Acres
  • Road Surface Type: Paved

Waterfront/View

  • View: Bay

Building Exterior/Construction

  • Architectural Style: Victorian
  • Attached Garage: false
  • Construction Materials: Siding Vinyl,Trim Vinyl

General Information

  • Carport: false
  • Exterior Features: Balcony,Fenced Back Yard,Hurricane Shutters,Lawn Pump,Pavillion/Gazebo,Sprinkler System,Yard Building
  • Fencing: Fenced Lot-All,Fenced Privacy
  • Road Frontage Type: State Road
  • Utilities: Electric,Phone,Public Water,TV Cable

Room Information

Room: Bedroom

  • Level: First
  • Dimensions: 11.7 x 11
  • Length: 11.70
  • Width: 11.00

Room: Dining Room

  • Level: First
  • Dimensions: 18 x 13
  • Length: 18.00
  • Width: 13.00

Room: Full Bathroom

  • Level: First
  • Dimensions: 12 x 5
  • Length: 12.00
  • Width: 5.00

Room: Kitchen

  • Level: First
  • Dimensions: 12.6 x 11
  • Length: 12.60
  • Width: 11.00

Room: Laundry

  • Level: First
  • Dimensions: 8.4 x 5.5
  • Length: 8.40
  • Width: 5.50

Room: Living Room

  • Level: First
  • Dimensions: 17.6 x 15
  • Length: 17.60
  • Width: 15.00

Room: Master Bathroom

  • Level: First
  • Dimensions: 10.8 x 9.2
  • Length: 10.80
  • Width: 9.20

Room: Master Bedroom

  • Level: First
  • Dimensions: 15.4 x 15.3
  • Length: 15.40
  • Width: 15.30

Room: Bedroom

  • Level: Second
  • Dimensions: 20 x 13
  • Length: 20.00
  • Width: 13.00

Room: Bedroom

  • Level: Second
  • Dimensions: 13 x 11.8
  • Length: 13.00
  • Width: 11.80

14138 State Highway 20 Neighborhood

Community

32578 (Niceville) Demographics

40
Median Age
1,197
Population Density (per sq. mile)
53%
College Educated
$90,964
Estimated Median Income
9,670
Estimated Total Home Owners
3,014
Estimated Total Renters
76% / 24%
Estimated Owner / Renter Divide
3
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

14138 State Highway 20 Monthly Cost

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* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

14138 State Highway 20 Market Data

Based on the last 30 days in this zip code

$606,333
Average List Price
$280
Average Price per Square Foot
62
Properties Sold
92
Average Days on Market
266
Properties for Sale
Calculations provided by Reliance Network

14138 State Highway 20 History

Date Event Value Agent
5/15/2026Source: Emerald Coast MLS Price Reduction
$665,000 -2.2%
3/14/2026Source: Emerald Coast MLS Added to Database
March 14, 2026