Niceville Homes under $400,000

Niceville Homes under $400,000

Welcome to Niceville, Florida—a charming gem nestled in the heart of Okaloosa County. Known for its picturesque landscapes, friendly community, and proximity to the stunning Emerald Coast, Niceville offers a unique blend of small-town charm and modern conveniences. With its lush parks, top-rated schools, and a vibrant local culture, it’s no wonder that families and professionals alike are drawn to this idyllic locale.

One of the most appealing aspects of Niceville is its affordability, particularly when it comes to housing. For those seeking a home under $400,000, Niceville has a variety of options that cater to different tastes and lifestyles. From cozy single-family homes with sprawling yards to contemporary townhouses with modern amenities, there’s something here for everyone. Many of these homes are situated in welcoming neighborhoods, providing a sense of community and safety that is hard to find elsewhere.

Living in Niceville means enjoying a wealth of recreational activities. Residents can take advantage of nearby parks, hiking trails, and the beautiful shores of Destin and Fort Walton Beach, which are just a short drive away. The city also boasts a vibrant dining scene, with local restaurants serving up fresh seafood and Southern cuisine.

Whether you are a first-time homebuyer or looking to downsize, Niceville offers a wonderful opportunity to invest in a thriving community without breaking the bank. Discover the charm of Niceville and find your dream home today!

Newest Niceville Homes under $400,000

4276 Calinda Ln Unit APT 158, Niceville
$180,000
1 Beds ⋅ 1 Baths ⋅ 1012934 MLS
Enjoy low-maintenance living from the fifth floor of The Florida Club at Bluewater Bay. This one-bedroom, one-bath condo offers 812 square feet of comfortable living space, including a spacious bedroom and an inviting living area flooded with natural light from the large sliding window wall opening to a quiet private balcony. Elevator access makes fifth-floor living convenient, while the community's amenities add to the appeal. Residents enjoy a swimming pool, hot tub, fitness center, clubhouse with community room, grilling and picnic areas, and well-maintained grounds. The Florida Club is conveniently located near shopping, dining, medical facilities, golf, and outdoor recreation, with easy access to the EOD school, Niceville, the Mid-Bay Bridge, Destin and Eglin AFB. Whether you are looking for a full-time residence, a comfortable second home, or a long-term rental investment, Unit 158 offers an appealing combination of space, convenience, community amenities, and a peaceful upper-floor setting.

4276 Calinda Ln Unit APT 158, Niceville
1801 Valparaiso Blvd, Niceville
$299,321
3 Beds ⋅ 3 Baths ⋅ 1012695 MLS
Who wants to live on the water? What if I told you this location also offers a boatslip? How about $8000 Flex cash that you can slice or dice anyway you see fit? Welcome to Rocky Bayou Townhomes! This 3 br/2.5 BATH RARE END UNIT townhome... WITH 28 FT BOATSLIP... is LOCATED ON PROTECTED DEEP WATER in the heart of Niceville! Easy access to Rocky Bayou and Choctawhatchee Bay... the buyer can enjoy fishing, kayaking, paddleboarding and beautiful waterfront sunsets just steps from home. The exterior features upgraded Hardie board siding for added durability and resistance to moisture, plus hurricane-rated windows and doors with built-in attachment points for hurricane fabric protection. Inside, enjoy oak cabinetry, marble countertops, stainless steel appliances and a wood-burning fireplace. Additional features include newer HVAC and water heater, upstairs mini-split, paid-off solar panels and an extended driveway. The community dock is approximately 3 years old, and the seller will pay the current dock assessment at closing. Seller offering up to $8,000 toward buyer closing costs, rate buy-down or other allowable expenses. BEST OF ALL... THIS UNIT IS NOT IN A FLOOD ZONE! What are you waiting for? Make an offer today!

1801 Valparaiso Blvd, Niceville
4179 Chacato Cv, Niceville
$284,900
3 Beds ⋅ 3 Baths ⋅ 1012585 MLS
Make this Bluewater Bay townhome your own at 4179 Chacato Cove in Niceville. Offering 3 bedrooms, 2.5 baths and approximately 1,760 square feet, the home features a living area with a fireplace and tray ceiling, a kitchen with wood cabinetry and a breakfast bar, and a separate dining area. A screened rear porch opens to a patio framed by mature trees. Additional features include an attached garage, an interior laundry area, and a bathroom with a double vanity, separate tub and shower. Bring your ideas for updates and repairs. Visible garage ceiling damage requires evaluation; its cause and repair scope have not been established. Buyer to verify square footage, property condition, association dues and restrictions, and all other material details. Property is being sold as-is no repairs to be made.

4179 Chacato Cv, Niceville
234 Deer St, Niceville
$270,000
3 Beds ⋅ 1 Baths ⋅ 1011485 MLS
Florida Cottage style home located in the heart of Niceville! Meigs Park, Niceville Recreation Center, Niceville High School, Ruckel Middle School, Children's Park, Northwest Florida State College and so much more are all just a few short minutes away! The home has had extensive renovations completed to include plumbing and electrical updates, granite counters, recessed lighting, and the installation of a metal roof in 2018. This 1/4-acre corner lot features a main driveway with a carport as well as two additional driveways - perfect for boat storage, RV parking or guests! Additional recent updates include: *2024 Trane HVAC w/ UV Light *2024 Blown-in Attic Insulation *2021 Water Heater *2024 8X10 Shed *2026 Dishwasher and garbage disposer *2026 Bryan Pest Control Termite Bond

234 Deer St, Niceville
617 31st St, Niceville
$365,000
3 Beds ⋅ 3 Baths ⋅ 1012215 MLS
Great location in the heart of Niceville! This 3-bedroom, 2.5-bath home offers modern features, thoughtful upgrades, and a beautiful outdoor space. Built just 4 years ago, the home features impact windows and doors, Samsung appliances, vinyl plank flooring throughout the main floor, and a spacious open-concept layout. The main level offers a bright and inviting living and dining area that flows seamlessly into the kitchen, complete with a breakfast bar, abundant cabinetry, quartz countertops, pantry, and a full suite of appliances. Upstairs, you'll find an oversized primary suite with an attached bath and walk-in closet. The primary bathroom features a separate shower, relaxing soaking tub, and private water closet. Two additional bedrooms share a full bath, and the conveniently located laundry area is also upstairs. Step outside to a **fully fenced backyard designed with beautiful landscaping that provides a welcoming habitat for native birds, butterflies, and other local wildlife.** It's a peaceful, private space to enjoy your morning coffee, entertain, or simply take in the natural surroundings. With its desirable Niceville location, modern construction, spacious floor plan, and thoughtfully landscaped backyard, this home offers a wonderful combination of comfort, convenience, and Florida living.

617 31st St, Niceville
636 Fir Ave, Niceville
$340,000
3 Beds ⋅ 2 Baths ⋅ 1012207 MLS
Opportunity meets potential in this two-story Niceville home with excellent bones, a spacious lot, and a clear path to a contemporary transformation. Two significant improvements are already complete--a new roof and a new water heater. Contractor quotes totaling approximately $42,000 are available for proposed interior renovations, allowing a buyer to update the home while still leaving room for potential equity after completion. AI-generated concept images are included to help illustrate how beautifully the existing spaces could be transformed. Inside, soaring vaulted ceilings and a cozy wood-burning fireplace create an impressive focal point in the spacious living area. The open-concept kitchen features a butcher-block bar and flows naturally into the main gathering space, providing a functional layout for everyday living and entertaining. Sliding glass doors open to a screened-in back porch overlooking the fenced backyard--a relaxing setting with plenty of room to enjoy the Florida lifestyle. Rather than paying a premium for someone else's finishes, this home gives you the opportunity to select the colors, materials, and style that fit your vision. Conveniently located directly across from Northwest Florida State College, with easy access to Destin, Fort Walton Beach, Eglin AFB, 7th Special Forces Group, and EOD--all while avoiding much of central Niceville traffic. Renovation pricing is based on third-party quotes and is subject to change.

636 Fir Ave, Niceville
123 Farrah Ave, Niceville
$272,000
3 Beds ⋅ 3 Baths ⋅ 1011865 MLS
Three bedrooms, three bathrooms and room to make it your own in Niceville! Welcome to 123 Farrah Ave, offering 1,696 square feet with space for everyday living, hosting guests and working from home. Three bathrooms add convenience, while the bedrooms offer options for sleeping, hobbies or a dedicated workspace. Whether you're settling in or adding your personal style, this home offers a starting point for your next chapter. Roof is approximately 12 years old and HVAC is 4 years old, per seller. Come explore the possibilities and schedule your showing today! Property is being sold as-is no repairs to be made

123 Farrah Ave, Niceville
303 Pontevedra Ln, Niceville
$335,000
3 Beds ⋅ 2 Baths ⋅ 1011694 MLS
OPPORTUNITY KNOCKS IN HEART OF NICEVILLE! Bring your vision and make this solid all-brick home your own. With nearly 1,800sq ft. this 3 bdr/2ba home has great potential and a floor plan with plenty of room to work with. Spacious eat-in kitchen has generous space for gathering, while the enclosed garage has been thoughtfully finished to blend with the rest of the home, creating an additional Great Room. A unique double-sided fireplace connects the Great Rm and main living room, adding character and warmth to both spaces. There's also a laundry room and extra storage off the Great RM, plus the roof was replaced in 2019. The home does need some TLC, but it is an ideal opportunity for a new owner to renovate, personalize and build equity immediately. Best of all the location being right in the heart of Niceville giving convenient access to schools, Eglin AFB and Duke Field, shopping, dining, recreation and everything the Niceville area has to offer. With solid bones, generous living space, and a fantastic location, this home is ready for someone with the vision to transform it into their own special slice of paradise. Make an appointment to see it ASAP.

303 Pontevedra Ln, Niceville
1000 Bay Dr Unit 528, Niceville
$274,500
2 Beds ⋅ 2 Baths ⋅ 1011665 MLS
Affordable, Easy, Low-Maintenance living in the heart of Bluewater Bay! This beautifully maintained one-story, 1,422 sq ft, End-Unit Patio Home offers 2 bedrooms, 2 bathrooms, a flexible bonus space, private courtyard, & backyard- all in a desirable master-planned community known for its exceptional lifestyle & amenities. Inside, the open-concept living & dining areas feature beautiful wood flooring & flow into a versatile bonus space ideal for a home office, hobby room, reading area, or possibly an additional 3rd Bedroom conversion. The well-sized kitchen offers ample cabinet storage, space for casual dining, new refrigerator (2025), & sliding glass doors opening to a charming private paver courtyard. Whether you're enjoying your morning coffee, tending a few garden plants, or gathering with friends, this outdoor space adds another layer of livability & charm. Both bedrooms feature spacious layouts, with walk-in closets. The primary suite includes an en-suite bathroom, with oversized vanity, & Shower with grab bar entry. private access to the paved patio and backyard. A dedicated laundry room with washer and dryer adds convenience. Enjoy the benefits of low-maintenance ownership, with the HOA covering exterior landscaping, siding, and roof. The roof is approximately 8-10 years old, and the HVAC was replaced in 2022. As an end unit, this home offers added privacy and a wonderful outdoor setting tucked in amongst beautiful mature trees & greenery. (READ MORE) Bluewater Bay places recreation & relaxation just minutes from your door. The Bluewater Bay Marina Complex is approximately 0.8 miles away & offers boat slips, storage, fuel, ship supplies, & waterfront dining at local favorite LJ Schooners Restaurant & Oyster Bar - a wonderful place to gather with friends, enjoy a meal, & watch the sunset over the water. The community pool is approximately 0.4 miles away, while the Bluewater Bay Tennis & Pickleball Center is approximately 0.6 miles away & features lit clay courts & a full-service clubhouse. Golf enthusiasts will love being approximately 1 mile from Bluewater Bay Golf Club, featuring 18 holes of championship golf designed by Tom Fazio & Jerry Pate. The community also offers disc golf, walking paths, tree-lined streets, & two parks with playgrounds. You are also an easy, appropriately 10 miles, from the World Famous White Sand Beaches & the sparkling Emerald Green Waters of the Gulf! Whether you're looking for a full-time residence, second home, or an easy-care coastal lifestyle, this Bluewater Bay patio home offers the opportunity to spend more time enjoying where you live! Call Your Realtor today to schedule a Tour! * In Addition to the HOA Fee - Insurance is paid by the owners in two installments in May and June. This year (2026) the total for 528 was $2,293.01, but it varies from year to year.

1000 Bay Dr Unit 528, Niceville
235 Karen Ct, Niceville
$400,000
3 Beds ⋅ 2 Baths ⋅ 1011532 MLS
Welcome home to this inviting Niceville property, tucked beneath mature trees and offering comfortable living with plenty of space to make your own. Inside, you'll find a bright, neutral interior with luxury vinyl plank flooring flowing through the main living areas. The spacious living room is anchored by a classic brick fireplace, creating a warm focal point for everyday living and entertaining. The kitchen features wood cabinetry, stainless steel appliances, generous storage, and a window overlooking the surrounding greenery. French doors add character and lead into a spacious bedroom, while the home's neutral finishes provide an easy canvas to make the space your own. One of the standout features is the large screened-in porch, offering a wonderful extension of the living space and the perfect spot for morning coffee, relaxing evenings, or enjoying Florida's outdoor lifestyle while staying comfortably shaded. Beyond the porch, the fenced backyard is surrounded by mature trees, creating a peaceful and private setting with plenty of room to enjoy the outdoors. A two-car garage provides additional parking and storage, while the home's Niceville location offers convenient access to shopping, dining, schools, military installations, and everything the Emerald Coast has to offer. With its combination of comfortable indoor living, a cozy fireplace, LVP flooring (2026), generous outdoor space, freshly painted walls (2026) and a fantastic Niceville location, this home is ready for its next chapter.

235 Karen Ct, Niceville
1215 S Cedar Ave, Niceville
$279,000
2 Beds ⋅ 2 Baths ⋅ 1011502 MLS
Welcome to 1215 Cedar Ave S in Niceville! This thoughtfully updated home has been opened up & refreshed throughout, creating a bright, functional layout that feels completely transformed. The kitchen now flows into the living area after removal of a wall & features new cabinets, new appliances & updated finishes. A new bathroom was added, along with new plumbing, all new electrical throughout, new flooring, trim, light fixtures, bathtub tile & updated plumbing fixtures. New windowpanes add another layer of improvement throughout the home. With so many major updates already completed, this home offers the feel of a fresh start in an established Niceville location. Conveniently located near schools, shopping, dining, Eglin AFB & everything Niceville has to offer. Come see the transformation for yourself!

1215 S Cedar Ave, Niceville
1134 Rhonda Dr, Niceville
$380,000
3 Beds ⋅ 2 Baths ⋅ 1011349 MLS
Welcome to this beautifully updated ranch-style home conveniently located near the heart of Niceville. From the moment you step inside, abundant natural light and a spacious, open feel create an inviting first impression. The living room serves as the centerpiece of the home, featuring a vaulted ceiling that adds volume and architectural interest, along with a fireplace that provides a warm focal point for everyday living and entertaining. The thoughtfully refreshed kitchen blends style and function with a new center island, granite countertops, a coordinating backsplash, new soft-close cabinets and drawers, and updated light fixtures. The improved lighting continues into the dining room, helping the shared living spaces feel bright, cohesive, and ready for gatherings. Each of the three bedrooms is enhanced with a new ceiling fan, while both bathrooms have been tastefully remodeled to offer updated finishes and everyday convenience; the guest bathroom also includes a bidet. Major improvements add further value, including a roof installed in 2023 and distinctive Bahama-style hurricane shutters. Outdoors, the privacy-fenced backyard offers a defined space for relaxing, gardening, or entertaining, with a storage shed that provides room for tools, lawn equipment, and seasonal items. With its combination of natural light, architectural character, modern kitchen and bath updates, this well-appointed home offers comfort, functionality, and move-in-ready appeal.

1134 Rhonda Dr, Niceville
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