1080 Napa Way, Niceville, FL 32578
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 26, 2026, 1080 Napa Way in Chardonnay Estates, Niceville is listed at $570,000. It has been 175 days on market. Listing facts: built in 2004. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2004 · 22 yrs
- 2-car garage
- 175 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2004BuiltPer public record
- Aug 4, 2026First trackedObserved at $570,000
- 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 $3,043/mo 79%
- Taxes $499/mo 13%
- Insurance $237/mo 6%
- HOA $50/mo 1%
$3,829/mo at 20% down, 30-yr @ 7.03% · 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
72/100 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
76% of homes in CHARDONNAY ESTATES are owner-occupied. An estimated 24% are non-owner-occupied, including 6% held in a company or trust and 12% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 81 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in CHARDONNAY ESTATES, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
*MOTIVATED SELLERS!* {6.25% VA LOAN ASSUMPTION AVAILABLE!} Welcome home to 1080 Napa Way where you're just 6 miles to the gorgeous beaches of Destin! It's *THE* stunning BLUEWATER BAY home that you've been searching for! This beautiful 2004 stucco home is a *MUST SEE IN PERSON* and is located in the highly coveted & very well established subdivision of Chardonnay Estates!
Enjoy living in one of the most desirable areas of Niceville with top-rated schools & easy convenience to Eglin AFB, Army 7th Group, and the Naval EOD school! Nestled inside a cul-de-sac with underground utilities, you'll find this exceptional & immaculately maintained home that's sure to please! You'll love & appreciate all it has to offer - especially all the notable features such as a thoughtful open & split floor-plan, 2 living room spaces, 2023 roof, 2021 water heater, 2018 HVAC, brand new carpet in all 3 bedrooms, tile throughout the main living areas, and neutral color paint in all rooms.
The openness & spaciousness this home offers allows an easy transitional flow from one room to the next that's perfect for entertaining your family & friends! The kitchen truly is the heart of this home and boasts granite countertops and stainless steel appliances. Just off the kitchen is the laundry room and pantry.
(Less than 1 year old washer & dryer convey!) The kitchen overlooks the eat-in nook along with the cozy family room that's highlighted by a gas fireplace. The living room is open to the beautiful large dining room in the front of the home & near the foyer. The tranquil and massive primary bedroom and bathroom allow you to relax in comfort, space, and style.
The primary bathroom features tile flooring, a separate shower, a separate tub, separate vanities, a separate toilet room, and a large primary closet. Several areas of the home allow you to enter/exit the covered & screened-in back porch where you can can enjoy & entertain within it or access the spacious backyard that's fully privacy fenced and has ample room for a pool. You'll be pleased to know that the irrigation is from a well pump and not city water!
Multiple trees and shrubs have been removed to allow more space for enjoyment. This home allows you to feel at ease knowing you get to just relax and just enjoy being home! The following items are all gas: fireplace and an outdoor stub for grilling.
Sellers have a termite contract with Bryan Pest Control. HOA fee is only $134 per quarter. Don't miss your chance to own this stunner of a home!
Schedule your private tour today! *Yearly termite contract with Bryan Pest Control is $325 per year and renews in August 2026. *Home Insurance Quotes: 1.) Cooke Insurance Agency = $2,381.31 per year 2.) Affordable Home Insurance = $2,622.05 per year ~VERY Close By Locations: ****White Point Road - Maxwell Gunter Mid-Bay Shores Recreation Area is less than a mile away!
Enjoy walking/hiking trails, swimming in the bay, fishing from the shore, relaxing & laying out on the sand, launching kayaks/canoes/paddleboards, or just having a picnic by the water! It's a great local spot to enjoy!!! (1.) Beaches of Destin are just 6 miles away!
Just over the mid-bay bridge takes you to "Crystal Beach" where there are several public beach access locations by Camille's and Crab Trap. The Back Porch is another favorite public beach. A local's favorite is Henderson Beach State Park where you can pay to have a yearly membership for ample parking, pavilions, and bathrooms!
(Military receive discounts for the membership! Check out www. floridastateparks.
org for more info!) (2.) Bluewater Elementary School is 2.5 miles from this home! (3.) 6 miles away are both Ruckel Middle School and Niceville High School! These schools are located right next to each other and are across the street from the Niceville Children's Park (free access) and Niceville Library.
(4.) Fred Gannon Rocky Bayou State Park is located 3 miles away and is a local favorite spot to launch boats! You can purch…
All 58 photos
Description provided by Elevation Realty Inc 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 CHARDONNAY ESTATES
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.
Newest listings in Niceville
- 1801 Valparaiso Boulevard, Niceville · $299,321 · 3 bd / 2.5 ba · listed September 24, 2026 (courtesy of Coldwell Banker Realty)
- 639 E Birkdale Circle, Niceville · $649,000 · 4 bd / 3.0 ba · listed September 24, 2026 (courtesy of EXP Realty LLC)
- 1221 Oakmont Drive, Niceville · $480,000 · 3 bd / 2.5 ba · listed September 23, 2026 (courtesy of Ellis Realty LLC)
- 4179 Chacato Cove, Niceville · $284,900 · 3 bd / 2.5 ba · listed September 23, 2026 (courtesy of Joseph Walter Realty LLC)
- 305 17Th Street, Niceville · $295,500 · 3 bd / 2.0 ba · listed September 21, 2026 (courtesy of Berkshire Hathaway Home Services PenFed Realty)
- 234 Deer Street, Niceville · $270,000 · 3 bd / 1.0 ba · listed September 18, 2026 (courtesy of ERA American Real Estate)
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
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 Elevation Realty Inc · MLS # 999665
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Recent sales activity in CHARDONNAY ESTATES
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 CHARDONNAY ESTATES 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 CHARDONNAY ESTATES
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 1080 Napa Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2004 (22 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.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- 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 $5,985/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.
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| 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 1080 Napa Way and when was it built?
Per the listing record, 1080 Napa Way was built in 2004 and has 3 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 1080 Napa Way in?
1080 Napa Way is in Chardonnay Estates in Niceville, Okaloosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Chardonnay Estates from the same MLS data.
Why might property taxes on 1080 Napa Way differ from the current owner's?
The estimate on this page (about $5,985 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 1080 Napa Way in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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 1080 Napa Way 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.