New — 4 days on market Detached Single Family
$580,000
3-Bedroom Detached Single Family in ROCKY BAYOU ESTATES 12B

117 Mulry Drive, Niceville, FL 32578

Detached Single Family in ROCKY BAYOU ESTATES 12B, Niceville · No CDD on record
ROCKY BAYOU ESTATES 12B · Niceville, FL 32578 · Okaloosa County
Listing data updated October 10, 2026 at 4:55 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
1997Year Built
2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Zone X
Flood risk
Minimal hazard per FEMA; ~44 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 10 of 12
Price vs recent sales
Asking $580k tops 10 of the last 12 closed sales

Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 10, 2026, 117 Mulry Drive in Rocky Bayou Estates 12B, Niceville is listed at $580,000. It came to market within the past week. Listing facts: built in 1997. 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 1997 · 29 yrs
  • 2-car garage
  • New to market
Listing description

About this home

Located in the highly sought-after community of Niceville, this 3-bedroom, 2-bath all-brick home sits on a large .48-acre lot and features a split floor plan with a flex space just off the primary bedroom that could be used as a home office, nursery, workout room, craft room, or additional living space. Built in 1997, the home has already had some important updates completed, including a 2019 roof and 2018 water heater. HVAC is from 2013 but will have new air ducts installed with UV system in June 2026.

Other recent additions include new interior and exterior electrical panels in June 2026. The home features a covered and screened-in porch that's great for relaxing or entertaining. The property also backs up to greenspace around a nearby shopping center, providing added separation behind the home.

The neighborhood features sidewalk-lined streets and convenient access to Highway 20, making it easy to get to nearby schools, Eglin Air Force Base, shopping, dining, and the beaches of Destin. With a practical layout, solid construction, and room to make it your own, this home offers a great opportunity to enjoy everything Niceville has to offer. All information is believed to be accurate but should be verified by buyers prior to purchase.

All 30 photos

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Description provided by Berkshire Hathaway Home Services PenFed Realty and reproduced from the MLS; not independently verified.

Listing courtesy of Berkshire Hathaway Home Services PenFed Realty · Listing agent: Monica M Atkinson · roycewmitchell@gmail.comProvided via the Emerald Coast Association of REALTORS® Internet Data Exchange · Source: Emerald Coast Association of REALTORS® · © 2026 Emerald Coast Association of REALTORS®, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources

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

List price$580,000
Bed / bath3 / 2
Year built1997
Property typeDetached Single Family
Garage2-car
MLS #1005932
Listing statusNew — 4 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~44 ft
CountyOkaloosa
Area listings0 active · 1 under contract
Estimated first-year tax~$6,090/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Estimated monthly payment$3,990
Insurance (illustrative)$2k–$4k/yr

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$3,990/mo
  • Principal & interest $3,213/mo 81%
  • Taxes $508/mo 13%
  • Insurance $270/mo 7%

$3,990/mo at 20% down, 30-yr @ 7.4% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$6,090/yr

Estimate: a typical Okaloosa effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$2k–$4k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
Not reported

Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~44 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Okaloosa County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Okaloosa County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Moderate
Winter weatherRelatively Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Property timeline

This home’s history

  • 1997BuiltPer public record
  • Aug 4, 2026First seen on movewithmomentum.comObserved at $580,000
  • NowUnder contractCurrently pending

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.

Transparency

Price & listing history

Listed for $580,000Momentum Realty · on market 4 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

No closed sales of a similar home within about 10 miles in Okaloosa County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for ROCKY BAYOU ESTATES 12B. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.

Momentum Research

The Momentum read

87% of homes in ROCKY BAYOU ESTATES 12B are owner-occupied. An estimated 13% are non-owner-occupied, including 21% held in a company or trust and 5% 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), 62 homes matched. Community-level context.

What’s unique here: no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Berkshire Hathaway Home Services PenFed Realty · MLS # 1005932

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Keep looking

Similar homes for sale near ROCKY BAYOU ESTATES 12B

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

  • 202 22nd Street, Niceville · $465,000 · 5 bd / 3.0 ba · listed October 9, 2026 (courtesy of Coldwell Banker Realty)
  • 126 Summit Court, Niceville · $399,900 · 3 bd / 2.0 ba · listed October 9, 2026 (courtesy of Real Broker LLC)
  • 1436 Hickory Street, Niceville · $499,999 · 4 bd / 2.5 ba · listed October 6, 2026 (courtesy of EXP Realty LLC)
  • 112 Country Club Drive #112, Niceville · $127,500 · 2 bd / 2.0 ba · listed October 6, 2026 (courtesy of Berkshire Hathaway Home Services PenFed Realty)
  • 178 Caraway Drive, Niceville · $714,900 · 3 bd / 2.5 ba · listed October 2, 2026 (courtesy of Ruckel Properties Inc)
  • 4276 Calinda Lane #Apt 158, Niceville · $180,000 · 1 bd / 1.0 ba · listed September 30, 2026 (courtesy of EXP Realty LLC)

Just listed: new homes for sale in the Emerald Coast in the last 48 hours · updated hourly · RSS · The Emerald Coast market today: new listings, price cuts, pendings

In the area

Recent Rocky Bayou Estates 12b news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Oct 2026 · Parks Amenities

Okaloosa and Cinco Bayou open upgraded boat ramp with new trailer parking

Okaloosa County and the Town of Cinco Bayou held a ribbon cutting for upgraded boat ramp facilities, including 16 new boat trailer parking spaces, a new restroom and landscaping. The $4.1 million total, funded largely by tourism development funds, also covers the $2.95 million purchase of a former bank building at 198 Eglin Parkway NE. Future dock improvements are planned.

Why it matters: Added trailer parking and ramp access improve waterfront recreation access for Fort Walton Beach area boaters. The project is about 10 miles southwest of Rocky Bayou Estates 12b, elsewhere in Okaloosa County.

Get The Coast

Sep 2026 · Civic

Okaloosa commissioners reject 12-month data center moratorium 3-2

Okaloosa County commissioners voted 3-2 on September 15 against a 12-month data center moratorium. On September 3 the board unanimously directed staff to develop a regulatory framework for data centers, with an outline due within 60 days. No specific project or site was proposed, and commissioners discussed protecting the Shoal River Industrial Park.

Why it matters: The pending rules will shape where large power-and-land-intensive facilities can locate in the county, including industrial land near Crestview. The project is about 18 miles northwest of Rocky Bayou Estates 12b, elsewhere in Okaloosa County.

Get The Coast

Sep 2026 · Parks Amenities

Destin and Okaloosa County agree on management of 4-acre Holiday Isle state park

Destin and Okaloosa County unanimously agreed to back Destin as manager and developer of the roughly four-acre state-acquired park on Holiday Isle near Norriego Point. In return, Destin council voted 5-2 to offer free parking to all Okaloosa County residents at city-owned lots and parks. The deal still requires state Board of Trustees and DEP review.

Why it matters: Management of the Holiday Isle park and city parking rules will affect public waterfront access and parking in Destin. The project is about 8 miles south of Rocky Bayou Estates 12b, elsewhere in Okaloosa County.

Get The Coast

Jun 2026 · Civic

DeSantis signs state budget with funding for Okaloosa County projects

Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.

Why it matters: Directs state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 2 miles northwest of Rocky Bayou Estates 12b.

Get The Coast

Go deeper

More on ROCKY BAYOU ESTATES 12B

Go deeper on ROCKY BAYOU ESTATES 12B

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

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.

PlewAssigned elementary school · Okaloosa County School District
RuckelAssigned middle school · Okaloosa County School District
GRADEA
NicevilleAssigned high school · Okaloosa County School District · Grade A (Florida DOE 2025-26)
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 117 Mulry Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1997 (29 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 $6,090/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance

Data sources & freshness

Listing recordEmerald Coast MLS, checked against the MLS hourly (last: October 10, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in Okaloosa County — no medians or automated estimate shown
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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.

Answered before you ask

Frequently asked questions

How big is 117 Mulry Drive and when was it built?

Per the listing record, 117 Mulry Drive was built in 1997 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 117 Mulry Drive in?

117 Mulry Drive is in Rocky Bayou Estates 12B in Niceville, Okaloosa County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.

Why might property taxes on 117 Mulry Drive differ from the current owner's?

The estimate on this page (about $6,090 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 117 Mulry Drive 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.

Ready when you are

See 117 Mulry Drive 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.