1000 Bay Drive #528, Niceville, FL 32578
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 10, 2026, 1000 Bay Drive #528 in Royal Oak Villas Bluewater Bay, Niceville is listed at $274,900. That sits within a few percent of Royal Oak Villas Bluewater Bay's median closed sale of $274,900 over the last 12 months (2 recorded sales). It came to market within the past week. Listing facts: built in 1982. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1982 · 44 yrs
- New to market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1982BuiltPer public record
- Sep 10, 2026First trackedObserved at $274,900
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $1,421/mo 76%
- Taxes $240/mo 13%
- Insurance $149/mo 8%
- HOA $50/mo 3%
$1,860/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollMany first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Adjust for your exemptions, portability, and down payment
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Property Score
75/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 1 days on market for this home, against a 11-day area median.Days on market:this home 1Area median: 11 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of July 25, 2026.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Affordable, Easy, Low-Maintenance living in the heart of Bluewater Bay! This beautifully maintained one-story, 1,422 sq ft, End-Unit Patio Home offers 2 bedrooms, 2 bathrooms, a flexible bonus space, private courtyard, & backyard- all in a desirable master-planned community known for its exceptional lifestyle & amenities. Inside, the open-concept living & dining areas feature beautiful wood flooring & flow into a versatile bonus space ideal for a home office, hobby room, reading area, or possibly an additional 3rd Bedroom conversion.
The well-sized kitchen offers ample cabinet storage, space for casual dining, new refrigerator (2025), & sliding glass doors opening to a charming private paver courtyard. Whether you're enjoying your morning coffee, tending a few garden plants, or gathering with friends, this outdoor space adds another layer of livability & charm. Both bedrooms feature spacious layouts, with walk-in closets.
The primary suite includes an en-suite bathroom, with oversized vanity, & Shower with grab bar entry. private access to the paved patio and backyard. A dedicated laundry room with washer and dryer adds convenience.
Enjoy the benefits of low-maintenance ownership, with the HOA covering exterior landscaping, siding, and roof. The roof is approximately 8-10 years old, and the HVAC was replaced in 2022. As an end unit, this home offers added privacy and a wonderful outdoor setting tucked in amongst beautiful mature trees & greenery.
(READ MORE) Bluewater Bay places recreation & relaxation just minutes from your door. The Bluewater Bay Marina Complex is approximately 0.8 miles away & offers boat slips, storage, fuel, ship supplies, & waterfront dining at local favorite LJ Schooners Restaurant & Oyster Bar - a wonderful place to gather with friends, enjoy a meal, & watch the sunset over the water. The community pool is approximately 0.4 miles away, while the Bluewater Bay Tennis & Pickleball Center is approximately 0.6 miles away & features lit clay courts & a full-service clubhouse.
Golf enthusiasts will love being approximately 1 mile from Bluewater Bay Golf Club, featuring 18 holes of championship golf designed by Tom Fazio & Jerry Pate. The community also offers disc golf, walking paths, tree-lined streets, & two parks with playgrounds. You are also an easy, appropriately 10 miles, from the World Famous White Sand Beaches & the sparkling Emerald Green Waters of the Gulf!
Whether you're looking for a full-time residence, second home, or an easy-care coastal lifestyle, this Bluewater Bay patio home offers the opportunity to spend more time enjoying where you live! Call Your Realtor today to schedule a Tour!
Description provided by RE/MAX Coastal Properties and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Similar homes for sale near ROYAL OAK VILLAS BLUEWATER BAY
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by RE/MAX Coastal Properties · MLS # 1011665
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Recent sales activity in ROYAL OAK VILLAS BLUEWATER BAY
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the ROYAL OAK VILLAS BLUEWATER BAY neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on ROYAL OAK VILLAS BLUEWATER BAY
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Okaloosa County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 1000 Bay Drive #528, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1982 (44 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Okaloosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $2,886/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed twice daily (last: September 10, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of July 25, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 1000 Bay Drive #528 and when was it built?
Per the listing record, 1000 Bay Drive #528 was built in 1982 and has 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1000 Bay Drive #528 in?
1000 Bay Drive #528 is in Royal Oak Villas Bluewater Bay in Niceville, Okaloosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Royal Oak Villas Bluewater Bay from the same MLS data.
Why might property taxes on 1000 Bay Drive #528 differ from the current owner's?
The estimate on this page (about $2,886 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1000 Bay Drive #528 in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 1000 Bay Drive #528 in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Emerald Coast Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.