St Andrews West Bluewater Bay in Niceville

St Andrews West 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

Community in Niceville · Okaloosa County · ZIP 32578
50 homesBuilt 1983–2002
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Photo via Emerald Coast MLS

Built fromLive Emerald Coast MLS data31 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, the MLS records 18 closed sales in St Andrews West Bluewater Bay 1 in Niceville, FL since 1995, the most recent in August 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).

ST ANDREWS WEST BLUEWATER BAY 1 key facts
LocationNiceville, Okaloosa County, FL · ZIP 32578
Homes in the community50 (FL DOR 2025 assessment roll)
Years built1983–2002 (median 1985.0)
Typical living area2,970 sq ft (median)
Amenities listed by sellersFishing, Golf, Marina, Pets Allowed, Pickleball, Pool
For sale right now0 active, 0 pending
Owner-occupied (homestead) share92%

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 WEST BLUEWATER BAY 1 key facts,” movewithmomentum.com/neighborhoods/st-andrews-west-bluewater-bay-1, data as of September 20, 2026.

Live · St Andrews West Bluewater Bay Housing Pulse Emerald Coast MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0 · 0
For sale · pending
live counts, refreshed twice daily
Ownership and context
92%
Owner-occupied · St Andrews West Bluewater Bay
46 of 50 parcels homesteaded (FL DOR 2025)
8%
Non-owner-occupied · St Andrews West Bluewater Bay
incl. 6% trust or LLC-held · 8% out-of-state
50
Homes in the community
50 residential parcels (FL DOR 2025)
Track record · 31 years of records
5
Recorded sales · 2024-2025
median $560K · qualified sales on the county roll (FL DOR 2025)
Est. 1983
Community established
homes built 1983-2002, median 1985 (FL DOR 2025)
Jon Brooks, founder of Momentum Realty
Jon's Current Read

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.

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.

1221 Oakmont Drive
$480K · 0.1 mi away
3 bd · 2.5 ba
1221 Oakmont Drive
Listed by Ellis Realty LLC
149 Gleneagles Drive #149
$339K · 0.1 mi away
2 bd · 2 ba
149 Gleneagles Drive #149
Listed by LoKation
134 Gleneagles Drive #-134
$335K · 0.2 mi away
2 bd · 2 ba
134 Gleneagles Drive #-134
Listed by Scenic Sotheby's International Realty
1434 Addie Drive
$1.05M · 0.2 mi away
4 bd · 3.5 ba
1434 Addie Drive
Listed by EXP Realty LLC
1430 Addie Drive
$763K · 0.2 mi away
3 bd · 2.5 ba
1430 Addie Drive
Listed by Randy Wise Realty LLC
1451 Addie Drive
$965K · 0.3 mi away
4 bd · 3.5 ba
1451 Addie Drive
Listed by Randy Wise Realty LLC

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.

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, 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).

In ZIP 32578 (Niceville), 347 homes closed in the last 12 months at a median of $530K, down 4.2% year over year, with a median 43 days on market. Right now 66 active and 39 pending listings put supply at about 3.4 months — a healthy market. 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.

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.

Active inventory in distress
0.0%
0 of 5 listings
Distress share trend — 0.0% now (2026-08-10 → 2026-09-19)

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.

If we were buying in St Andrews West Bluewater Bay today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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.

Best Buy
Buyers who want a larger established home in Bluewater Bay and can wait for the right listing.
Biggest Risk
With zero active listings, options are scarce and you may wait for inventory.
Sweet Spot
A well-updated home near the median size that comes to market ready to show.
Avoid If
You need to buy quickly or want community amenities included.

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.

Jon Brooks · Founder, Momentum Realty

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.

Best forBuyers who want a larger established home in Bluewater Bay and can wait for the right listing.
Biggest advantageLow turnover and high owner-occupancy signal a stable, well-held community.
Biggest riskWith zero active listings, options are scarce and you may wait for inventory.
Sweet spotA well-updated home near the median size that comes to market ready to show.
Avoid ifYou need to buy quickly or want community amenities included.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the St Andrews West Bluewater Bay homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in St Andrews West Bluewater Bay.
In short
  • 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.

The takeaway

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.

What is your St Andrews West Bluewater Bay home worth?

Get a no-obligation home value based on real comparable sales in St Andrews West 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 →

Real comps, not an automated estimate.

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.

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.

$2,251/mo
Okaloosa County typical true cost to own
$220/mo
Okaloosa County typical home insurance
Check CDD
Confirm before you offer

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 West Bluewater Bay?
The Florida DOR 2025 assessment roll shows 50 homes in St Andrews West Bluewater Bay (public records).
What share of St Andrews West Bluewater Bay is owner-occupied?
92% of St Andrews West Bluewater Bay parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in St Andrews West Bluewater Bay built?
Homes in St Andrews West Bluewater Bay were built between 1983 and 2002, with a median year built of 1985.0 (FL DOR 2025 roll).
Who is the best real estate agent for St Andrews West Bluewater Bay?
The best agent for St Andrews West Bluewater Bay is one who actively works Niceville and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for St Andrews West Bluewater Bay.
How do I find a top Niceville real estate agent who knows St Andrews West Bluewater Bay?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows St Andrews West Bluewater Bay and the wider Niceville area.
Can Momentum Realty connect me with an agent for St Andrews West Bluewater Bay?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your St Andrews West Bluewater Bay purchase or sale - no call center and no pressure.
Where is St Andrews West Bluewater Bay, and what county is it in?
St Andrews West Bluewater Bay is in Niceville, Okaloosa County, FL, ZIP 32578. The community's center is about 4 miles west of the center of Niceville (straight-line).
Buyers seeking a spacious floor plan around the median size in an established Niceville settingExcellent fit
Long-hold buyers who value stability and low turnover over a wide selectionExcellent fit
Buyers comfortable budgeting for updates on an older home in exchange for size and locationExcellent fit
Buyers on a tight timeline who need to close soon, given no active inventoryProbably not
Buyers who want new construction or turnkey, updated finishes without renovation riskProbably not
Buyers who prioritize a shared amenity package, which this community does not offerProbably not

Data sources & freshness

Live listingsEmerald Coast MLS, refreshed twice daily (last: October 1, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (3 streets, ZIP 32578))
Under-contract sharesEmerald Coast MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 1995 (18 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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Nearby Communities

Explore more neighborhoods near St Andrews West Bluewater Bay with Momentum Realty’s local guides.

Gleneagles Green Bluewater Bay0.2 mi away · median $386K, 4 sales/12 moOakmont Place0.3 mi away · 103 homes, built 1983–24Addie S Place0.3 mi away · median $970K, 4 sales/12 moAddie S Place In Bluewater Bay0.3 mi away · median $900K, 3 sales/12 moSt Andrews Village South0.4 mi away · median $499K, 3 sales/12 moSouthwind (Okaloosa)0.5 mi away · median $728K, 9 sales/12 mo

Browse all neighborhood guides →

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