St Andrews West Bluewater Bay
Homes for Sale in Niceville, FL
All 150 homes for sale in Niceville, FL · median $487,000 · 156 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
As of November 2026, the MLS records 1 closed sale in St Andrews West Bluewater Bay 1 in Niceville, FL, the most recent in August 2026. Across Niceville as a whole, 61 homes closed in the last 12 months at a median of $519,000, 26 median days on market, with 152 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $6,690 ($6,180 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).
Price here is driven by the houses themselves, not by amenities or new construction. This is an established pocket of Bluewater Bay where homes were built between 1983 and 2002, with the median dating to the mid-1980s. At a median of roughly 2,970 square feet, these are substantial floor plans, and the spread in what any given home fetches will come down to condition, updates, and lot rather than any published price band. Note there is no community amenity package pulling value up or down.
The current posture is tight. With zero active listings against 50 homes and a homestead share of 92%, this is an owner-occupied, low-turnover community where inventory rarely comes to market. For a seller, that scarcity is leverage when a well-prepared home does list. For a buyer, it means patience and readiness — you may wait for the right home to surface, and you should be prepared to move when it does.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside ST ANDREWS WEST BLUEWATER BAY 1 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.
The 60-Second Overview
St Andrews West Bluewater Bay 1 is a small, established section of larger homes in Niceville, built across roughly two decades ending in the early 2000s. The story here is stability: owners stay, and homes turn over infrequently.
County records show 5 qualified sales in ST ANDREWS WEST BLUEWATER BAY across 2024–2025 (1 in 2024, 4 in 2025), median $560,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who St Andrews West Bluewater Bay is best for.
Best for
- Buyers seeking a spacious floor plan around the median size in an established Niceville setting
- Long-hold buyers who value stability and low turnover over a wide selection
- Buyers comfortable budgeting for updates on an older home in exchange for size and location
Probably not for
- Buyers on a tight timeline who need to close soon, given no active inventory
- Buyers who want new construction or turnkey, updated finishes without renovation risk
- Buyers who prioritize a shared amenity package, which this community does not offer
The market around St Andrews West Bluewater Bay
St Andrews West Bluewater Bay is too small for its own price trend, so here is the market around it.
In ZIP 32578, 224 homes are on the market and 30% are under contract — a steady corner of Niceville.
Across Okaloosa County, 1,691 homes are active and 403 pending (19% under contract).
In ZIP 32578 (Niceville), 61 homes closed in the last 12 months at a median of $519K, with a median 26 days on market. Right now 25 active and 16 pending listings. See the live ZIP 32578 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not St Andrews West Bluewater Bay specifically. Momentum Research analysis of MLS records.
The St Andrews West Bluewater Bay buying strategy.
If we were buying in St Andrews West 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 West Bluewater Bay.
An established Bluewater Bay pocket
The defining features are size and age. A median living area near 2,970 square feet points to genuine room — the kind of floor plans that suit buyers who need space rather than a starter footprint. Because the housing stock dates from 1983 to 2002, expect variation in kitchens, systems, and finishes from one home to the next. Condition is the swing factor here, so budget for the possibility of updates and inspect accordingly.
With no amenities identified from current MLS listings, value rests on the homes, the lots, and the Bluewater Bay location in Niceville rather than a shared facilities package. The 92% homestead share tells you this is a community of long-term owners, which supports steady upkeep but also keeps supply thin. This is not a place to shop if you want to browse a dozen options at once.
The location and the amenities are priced into every listing in St Andrews West Bluewater Bay. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-turnover section with no active listings, timing and access matter more than a broad search. We track when these homes come available, help you read condition against the age of the stock, and price realistically off the one number that counts — the median — while accounting for updates lot by lot. Whether you are listing a rare available home or waiting for one, we keep you positioned to act.
St Andrews West Bluewater Bay in 15 seconds.
Tools for a St Andrews West 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 West 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 West 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 West Bluewater Bay home worth?
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Recently off market in ST ANDREWS WEST BLUEWATER BAY 1
Homes in ST ANDREWS WEST BLUEWATER BAY 1 that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 1505 Pinehurst Cove · off market
| Location | Niceville, Okaloosa County, FL · ZIP 32578 |
|---|---|
| Homes in the community | 50 (FL DOR 2025 assessment roll) |
| Years built | 1983–2002 (median 1985.0) |
| Typical living area | 2,970 sq ft (median) |
| Amenities listed by sellers | Fishing, Golf, Marina, Pets Allowed, Pickleball, Pool |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 92% |
Data as of November 9, 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 West Bluewater Bay key facts,” movewithmomentum.com/neighborhoods/st-andrews-west-bluewater-bay-1, data as of November 9, 2026.
Housing distress & ownership in ST ANDREWS WEST BLUEWATER BAY 1, Niceville
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
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Niceville guides & data
- Market data
- Property taxes (Okaloosa County)
- Homestead exemption (Okaloosa County)
- Home insurance cost
- New construction
- New construction (Okaloosa County)
- Home builders (Okaloosa County)
Florida buyer guides
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Recent Developments in St Andrews West Bluewater Bay 1
Development, infrastructure, retail, and school activity affecting St Andrews West Bluewater Bay 1, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Retail & Dining
TJ Maxx to open 33,865-square-foot Destin store Nov. 1 at Paradise Key
The off-price retailer opens at 4437 Commons Drive East with a grand opening from 8 a.m. to 8 p.m. on Nov. 1. Regular hours run 9:30 a.m. to 9:30 p.m. daily, and the store sells apparel, accessories, jewelry, and home and beauty goods.
What it may mean for the marketA new national off-price anchor adds everyday shopping close to Destin's commercial corridor and may shorten trips for retail needs. The project is about 10 miles south of St Andrews West Bluewater Bay 1, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Retail & Dining
7 Brew drive-thru coffee stand opens on Beal Parkway in Fort Walton Beach
The stand at 799 Beal Parkway opened Oct. 19 and is the chain's second in Fort Walton Beach. It is expected to add 75 local jobs, and an opening fundraiser raised $4,661 for an equine therapy nonprofit.
What it may mean for the marketA new drive-thru option along Beal Parkway adds early-morning and late-night food and beverage access and about 75 jobs nearby. The project is about 11 miles southwest of St Andrews West Bluewater Bay 1, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Infrastructure
Okaloosa outlines Gap Creek drainage projects and permitting hurdles in Fort Walton Beach
County staff described five stormwater efforts, including the Overbrook drainage work, a planned 2.67-acre Sylvania Heights stormwater park estimated at $4 million, and Lloyd Street and Mayflower Avenue improvements expected to go to bid in early 2027. Air Force environmental review and state and Army Corps permits for dredging complicate the timeline.
What it may mean for the marketPlanned drainage upgrades could reduce flooding exposure in the Gap Creek basin over time, though permitting delays mean relief is likely several years out. The project is about 11 miles southwest of St Andrews West Bluewater Bay 1, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Parks & 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.
What it may mean for the marketAdded trailer parking and ramp access improve waterfront recreation access for Fort Walton Beach area boaters. The project is about 10 miles southwest of St Andrews West Bluewater Bay 1, elsewhere in Okaloosa County.
Source: Get The Coast - September 2026Parks & 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.
What it may mean for the marketManagement of the Holiday Isle park and city parking rules will affect public waterfront access and parking in Destin. The project is about 9 miles south of St Andrews West Bluewater Bay 1, elsewhere in Okaloosa County.
Source: Get The Coast - June 2026Civic
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.
What it may mean for the marketDirects 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 west of St Andrews West Bluewater Bay 1.
Source: Get The Coast
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
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An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: November 11, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32578)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (1 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.
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