St Andrews East Bluewater Bay
Homes for Sale in Niceville, FL
All 182 homes for sale in Niceville, FL · median $499,900 · 183 homes for sale in 32578 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Nearby homes for sale
No active listings inside ST ANDREWS EAST BLUEWATER BAY right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
As of October 2026, the MLS records 24 closed sales in St Andrews East Bluewater Bay in Niceville, FL since 1994, the most recent in July 2026. Across Niceville as a whole, 246 homes closed in the last 12 months at a median of $530,000, 41 median days on market, with 61 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $6,830 ($6,330 with the full homestead exemption).
Part of the Bluewater Bay master-planned community in Niceville, FL — see all Bluewater Bay homes for sale (14 listings across 17 villages and sections in the MLS).
| Location | Niceville, Okaloosa County, FL · ZIP 32578 |
|---|---|
| Homes in the community | 88 (FL DOR 2025 assessment roll) |
| Years built | 1984–2014 (median 1993.0) |
| Typical living area | 2,778 sq ft (median) |
| Amenities listed by sellers | Boat Launch, Dock, Fishing, Golf, Pickleball, Tennis Court(s) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 81% |
Data as of September 20, 2026. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “ST ANDREWS EAST BLUEWATER BAY key facts,” movewithmomentum.com/neighborhoods/st-andrews-east-bluewater-bay, data as of September 20, 2026.
The market around St Andrews East Bluewater Bay
St Andrews East Bluewater Bay is too small for its own price trend, so here is the market around it.
In ZIP 32578, 265 homes are on the market and 31% are under contract — a fast-moving corner of Niceville.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
ZIP and county figures describe the wider market, not St Andrews East Bluewater Bay specifically. Momentum Research analysis of MLS records.
The St Andrews East Bluewater Bay buying strategy.
If we were buying in St Andrews East Bluewater Bay today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in St Andrews East Bluewater Bay.
A closer look at the St Andrews East Bluewater Bay market
The housing stock is 88 homes built between 1984 and 2014, and 81% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in St Andrews East Bluewater Bay. The deal is won or lost on condition, the comps, and the renovation math.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a St Andrews East Bluewater Bay buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed St Andrews East Bluewater Bay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in St Andrews East Bluewater Bay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your St Andrews East Bluewater Bay home worth?
Get a no-obligation home value based on real comparable sales in St Andrews East Bluewater Bay, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Niceville →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Okaloosa County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Okaloosa County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Frequently Asked Questions
How many homes are in St Andrews East Bluewater Bay?
What share of St Andrews East Bluewater Bay is owner-occupied?
When were the homes in St Andrews East Bluewater Bay built?
Who is the best real estate agent for St Andrews East Bluewater Bay?
How do I find a top Niceville real estate agent who knows St Andrews East Bluewater Bay?
Can Momentum Realty connect me with an agent for St Andrews East Bluewater Bay?
Where is St Andrews East Bluewater Bay, and what county is it in?
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32578)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1994 (24 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Emerald Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how ST ANDREWS EAST BLUEWATER BAY fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
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