Buyer leverage
Strong buyer advantage
101 days on market
24.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~24 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
Highlights
As of September 12, 2026, 84 Hidden Cove Court in Hidden Cove, Valparaiso is listed at $250,000. That sits within a few percent of Hidden Cove's median closed sale of $250,000 over the last 12 months (1 recorded sales). It has been 101 days on market. Listing facts: built in 1986. 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 1986 · 40 yrs
- 2-car garage
- 101 days on market
- HOA ~$50/mo (estimate; confirm)
Property timeline
This home’s history
- 1986BuiltPer public record
- Aug 4, 2026First trackedObserved at $299,900
- Sep 12, 2026Price cut$250,000
- 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.
Financing
Estimated monthly payment
Cost to own
Property taxes
✓ Based on certified county tax rollEstimated property taxes after purchase
$2,575/yr
≈ $215/mo·effective rate ~1.03%
Estimated from today’s asking price and current Okaloosa County tax rates.
⚠️Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,100/yr ($258/mo)
-$525 more each year
(--17%)
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.
🛡️
Current ownerProtected by Save Our Homes🔄
Home sellsResets the January after🧾
Buyer paysBased on purchase price$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Adjust for your exemptions, portability, and down payment
Historical tax data loading…
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 Scores
Momentum Property Score
60/100
Strongest on: Flood safety (95), Insurance cost (59)
0 limited50100 exceptional
60/100 is solid, mid-pack 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.
Affordability50
List price $250,000 vs the community median $250,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~24 ft elevation. Verify the parcel with FEMA.
Insurance cost59
From FEMA Zone X and a 1986 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~24.0 months of supply (12-month record).
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.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 24.0 months of supply in the surrounding market and 101 days on market for this home, against a 117-day area median.Days on market:this home 101Area median: 117 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 September 12, 2026.
What’s unique here: one of only 2 active listings in Hidden Cove, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
FABULOUS OPPORTUNITY TO LIVE IN A WATERFRONT COMMUNITY! Welcome to Hidden Cove, a picturesque and peaceful waterfront community nestled along the shores of Tom's Bayou. This spacious end-unit townhome offers nearly 2,000 square feet of living space and is one of the largest floor plans to become available in the community in recent years.
Inside, you'll find numerous updates including luxury flooring, a 2022 HVAC system, 2022 water heater, and a roof replaced in 2012. The thoughtfully designed layout features a desirable first-floor primary suite complete with a private en-suite bath, offering convenience and privacy. Upstairs are two additional generously sized bedrooms and a full bathroom, providing plenty of space for family and guests.
The home also features a separate laundry room with additional storage, abundant natural light, and a screened porch overlooking the natural surroundings--perfect for enjoying your morning coffee, birdwatching, or simply relaxing in the peaceful setting. An additional parking space nearby provides added convenience for guests. Residents of Hidden Cove enjoy exceptional community amenities including a waterfront clubhouse, community pool, fishing dock, and boating access on Tom's Bayou.
Boat slips are available for rent, making it easy to enjoy the waterfront lifestyle. Conveniently located just minutes from Eglin Air Force Base, Duke Field, Northwest Florida State College, the airport, shopping, dining, and the beautiful Emerald Coast beaches. Affordable waterfront living is hard to find, especially in a community as desirable as Hidden Cove.
Don't miss this rare opportunity--schedule your showing today before it's gone!
Description provided by ERA American Real Estate and reproduced from the MLS; not independently verified.
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$250,000
Bed / bath3 / 2.5
Year built1986
Property typeTownhouse
Garage2-car
MLS #1004736
Listing status101 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~24 ft
Windstorm exposureLow
CountyOkaloosa
Area listings2 active · 2 under contract
Estimated first-year tax~$2,625/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Estimated monthly payment$1,703
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$250,000
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
Listing courtesy of ERA American Real Estate · Listing agent: Marisela F Molnar · linde.bowman@era-american.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.
Keep looking
Similar homes for sale near Hidden Cove
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.
$299,900
44 Hidden Cove Drive #44, Valparaiso
3 bd / 2.5 ba
Nearby
Courtesy of Real Broker LLC →
$249,900
16 Kelly Way, Valparaiso
3 bd / 2.0 ba
Comparable price
Courtesy of The Premier Property Group →
$289,000
398 Edge Avenue, Valparaiso
3 bd / 2.0 ba
Nearby
Courtesy of Coldwell Banker Realty →
$290,000
259 Edge Avenue, Valparaiso
3 bd / 1.0 ba
Nearby
Courtesy of Harrison Lilly Emerald Coast →
$304,900
127 Judith Drive, Valparaiso
4 bd / 2.0 ba
Nearby
Courtesy of Realty ONE Group Emerald Coast →
$279,000
1215 S Cedar Avenue, Niceville
2 bd / 1.5 ba
Comparable price
Courtesy of Southern Choice Properties Llc →
$305,000
507 31st Street, Niceville
3 bd / 2.0 ba
Nearby
Courtesy of Elevation Realty Inc →
$309,900
321 Nathey Avenue, Niceville
3 bd / 2.5 ba
Nearby
Courtesy of EXP Realty LLC →
Transparency
Price & listing history
Listed for $250,000Momentum Realty · on market 101 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$2,625/yr
A rough first-year estimate only, applying a typical Okaloosa rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/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
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~24 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 84 Hidden Cove Court?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by ERA American Real Estate · MLS # 1004736
Market data · public records
Recent sales activity in Hidden Cove
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 Hidden Cove neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$250,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$0
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Hidden Cove
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.
In the area
Recent Hidden Cove news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
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 4 miles south of Hidden Cove.
Get The Coast
May 2026 · Development
Okaloosa commissioners approve master plan for 392-lot River Park subdivision in Crestview
Okaloosa County commissioners unanimously approved the master plan for River Park, a 392 lot single family subdivision on 263 acres east of Main Drive and north of Airport Road in Crestview. The project by River Park Landing LLC will be built in three phases, with each phase requiring a separate development order approval.
Why it matters: Adds substantial single family housing supply to the Crestview market and phases new residential construction onto a large tract in north Okaloosa County. The project is about 13 miles north of Hidden Cove, elsewhere in Okaloosa County.
Get The Coast
May 2026 · Infrastructure
Okaloosa County opens $212M Southwest Crestview Bypass
Okaloosa County opened the $212 million Southwest Crestview Bypass, a 3.5 mile four lane corridor connecting Antioch Road to State Road 85 with access from U.S. Highway 90. The project includes a 1,713 foot bridge, sidewalks, a multi use path, and direct access to the new Pineview K-8 school opening in August 2026.
Why it matters: Adds a major four lane traffic corridor serving southwest Crestview and expands regional road capacity for surrounding growth in north Okaloosa County. The project is about 11 miles northwest of Hidden Cove, elsewhere in Okaloosa County.
Get The Coast
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.
Edge/Lewis/PlewAssigned elementary school · Okaloosa County School District
Lewis or RuckelAssigned middle school · Okaloosa County School District
GRADEA
NicevilleAssigned high school · Okaloosa County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
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.
If you rent it out
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.
Estimated rent$1,146 – $1,667/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.1%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$590 – −$121At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 84 Hidden Cove Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1986 (40 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 $2,625/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.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Provenance
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 12, 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.
Answered before you ask
Frequently asked questions
How big is 84 Hidden Cove Court and when was it built?
Per the listing record, 84 Hidden Cove Court was built in 1986 and has 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 84 Hidden Cove Court in?
84 Hidden Cove Court is in Hidden Cove in Valparaiso, Okaloosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Hidden Cove from the same MLS data.
Why might property taxes on 84 Hidden Cove Court differ from the current owner's?
The estimate on this page (about $2,625 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 84 Hidden Cove Court 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.
