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4196 Mossy Cove Court, Niceville, FL 32578 (MLS# 990812)

4196 Mossy Cove Court, Niceville, FL 32578

$644,900
Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 3,182 Lot Size (sq. ft.): 7,405 Status: Active
Current Price: $644,900 List Date: 12/05/2025 Last Modified: 4/16/2026

Description

Nestled in the desirable Rocks Cove community of Bluewater Bay, this remarkable 4-bedroom, 2.5-bath home offers 3,182 square feet of thoughtfully designed living space on a quiet cul-de-sac just minutes from the sparkling waters of Choctawhatchee Bay and convenient public boat ramp access. This spacious three-story residence welcomes you with an open floor plan, soaring ceilings, and a warm, inviting atmosphere. The living area showcases built-in shelves, recessed lighting, two ceiling fans, and a cozy fireplace, along with direct access to a tiled, screened-in Florida room with dramatic 14-foot ceilings. A sliding glass wall system opens fully to create a seamless indoor-outdoor entertaining space perfect for relaxing or dining year-round. Adjacent to the living room, the open dining

Supplements: area easily accommodates large gatherings and is beautifully enhanced with crown molding that continues throughout the main living spaces. The kitchen is designed for both style and function, featuring granite countertops, abundant cabinetry, recessed lighting, stainless steel appliances, a pantry, and a generous island with a breakfast bar ideal for casual meals or additional seating. The first-floor master suite offers comfort and privacy with direct access to the back patio. The master bath includes a double vanity, Whirlpool tub, walk-in shower, and a spacious walk-in closet with built-in shelving. Upstairs, three generously sized guest bedrooms each include ceiling fans and plantation shutters, with one bedroom boasting its own private balcony. The upper-level bathroom features a double vanity, tile flooring, and a shower/tub combination. The home also includes a central vacuum system, a second-floor laundry chute, and a bonus landing area for added versatility. A major mechanical update was completed in October 2021 with the installation of new upstairs and downstairs HVAC units, and a termite bond is in place and paid through June 2026 for added peace of mind. A standout feature of this home is the impressive 500-square-foot bonus room on the third flooran incredible space with endless possibilities. Located directly across from the Bluewater Bay Marina and just minutes from the Mid-Bay Bridge, this home also offers access to exceptional community amenities including four pools (one heated), two championship 18-hole golf courses, award-winning tennis facilities, a full-service marina, a clubhouse with a restaurant, parks, and a playground. With its prime location, thoughtful upgrades, and expansive layout, this home is truly a must-see.

More Information MLS# 990812

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 202.67 List Date: 2025-12-04 Current Price: $644,900 List Price: $644,900

Location, Tax and Legal

Sub Area: 1308 - Bluewater Bay Elementary School: Plew Middle School: Ruckel High School: Niceville Legal Description: ROCKS COVE LOT 9

General Property Info

Sub-Type: Detached Single Family Design: Contemporary SqFt Source: County PA Records Garage: Yes Carport: No Driveway Spaces: 2 Pool: Yes Pool Type: Community Apx SqFt(Htd/Cooled): 3182 Bedrooms: 4 Full Baths: 2 Half Baths: 1 Total Bathrooms: 3 # Stories: 3 Year Built: 2008 Garage Spaces: 2 Acreage: 0.17

Listing Info, Tax & Legal

Homestead: Yes Is Subject Leased: No Assessment Fees: Yes Assessment Amount: 300 Annual Assessment Amount: 300 Assessment Paid: Annually New Buyer Fee: Yes New Buyer Fee Amt: 150 New Buyer Fee Paid: $ Last Taxes: 5848 Last Tax Year: 2024 Brokerage Interest: No Interest As Is: No

Remarks & Misc

Remarks: Nestled in the desirable Rocks Cove community of Bluewater Bay, this remarkable 4-bedroom, 2.5-bath home offers 3,182 square feet of thoughtfully designed living space on a quiet cul-de-sac just minutes from the sparkling waters of Choctawhatchee Bay and convenient public boat ramp access. This spacious three-story residence welcomes you with an open floor plan, soaring ceilings, and a warm, inviting atmosphere. The living area showcases built-in shelves, recessed lighting, two ceiling fans, and a cozy fireplace, along with direct access to a tiled, screened-in Florida room with dramatic 14-foot ceilings. A sliding glass wall system opens fully to create a seamless indoor-outdoor entertaining space perfect for relaxing or dining year-round. Adjacent to the living room, the open dining

Construction Status

Construction Complete: 1

Parking Features

Garage: 1 Garage Attached: 1

Lot/Parcel Access

County Road: 1 Paved Road: 1

Lot Features

Cleared: 1 Cul-De-Sac: 1 Level: 1

Project Facilities

Boat Launch: 1 Dock: 1 Fishing: 1 Golf: 1 Marina: 1 Pool: 1 Tennis: 1 Waterfront: 1

Construction/Siding

Frame: 1 Roof Composite Shngl: 1 Slab: 1 Stucco: 1

Utilities

Electric: 1 Phone: 1 Public Sewer: 1 Public Water: 1 Underground: 1

Zoning

County: 1 Resid Single Family: 1

Exterior

Fenced Back Yard: 1 Lawn Pump: 1 Patio Covered: 1 Patio Enclosed: 1 Sprinkler System: 1

Interior

Breakfast Bar: 1 Ceiling Crwn Molding: 1 Ceiling Raised: 1 Fireplace: 1 Floor Tile: 1 Pantry: 1 Plantation Shutters: 1 Pull Down Stairs: 1 Washer/Dryer Hookup: 1

Financing

Conventional: 1 FHA: 1 VA: 1

Appliances

Auto Garage Door Opn: 1 Central Vacuum: 1 Dishwasher: 1 Disposal: 1 Microwave: 1 Stove/Oven Electric: 1

Energy

AC - Central Elect: 1 Ceiling Fans: 1 Double Pane Windows: 1 Heat Cntrl Electric: 1 Insulated Doors: 1 Ridge Vent: 1 Water Heater - Elect: 1

Mstr Bdrm/Mstr Bath

MBath Cultured Mrble: 1 MBath Double Vanity: 1 MBath Garden Tub: 1 MBath Separate Shwr: 1 MBath Tile: 1 MBath Walk-In Closet: 1 MBath Whirlpool: 1

Master Bedroom

First: 1

Bedroom

Second: 1

Kitchen

First: 1

Living Room

First: 1

Full Bathroom

Second: 1

Half Bathroom

First: 1

Rooms

Bedroom: 1 Dining Room: 1 Foyer: 1 Full Bathroom: 1 Half Bathroom: 1 Kitchen: 1 Laundry: 1 Living Room: 1 Loft: 1 Master Bathroom: 1 Master Bedroom: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 13 - Niceville Street #: 4196 Street Name: Mossy Cove Street Suffix: Court State: FL Zip Code: 32578 County: Okaloosa Project Name/Subdivision: ROCKS COVE SUBDIVISION Parcel ID: 15-1S-22-1220-0000-0090

Property Features

Construction Status: Construction Complete Lot Features: Cleared; Cul-De-Sac; Level Zoning: County; Resid Single Family Parking Features: Garage; Garage Attached Project Facilities: Boat Launch; Dock; Fishing; Golf; Marina; Pool; Tennis; Waterfront Exterior: Fenced Back Yard; Lawn Pump; Patio Covered; Patio Enclosed; Sprinkler System Interior: Breakfast Bar; Ceiling Crwn Molding; Ceiling Raised; Fireplace; Floor Tile; Pantry; Plantation Shutters; Pull Down Stairs; Washer/Dryer Hookup Appliances: Auto Garage Door Opn; Central Vacuum; Dishwasher; Disposal; Microwave; Stove/Oven Electric Utilities: Electric; Phone; Public Sewer; Public Water; Underground Energy: AC - Central Elect; Ceiling Fans; Double Pane Windows; Heat Cntrl Electric; Insulated Doors; Ridge Vent; Water Heater - Elect Master Bedroom: First Bedroom: Second Kitchen: First Living Room: First Full Bathroom: Second Half Bathroom: First Rooms: Bedroom; Dining Room; Foyer; Full Bathroom; Half Bathroom; Kitchen; Laundry; Living Room; Loft; Master Bathroom; Master Bedroom Financing: Conventional; FHA; VA

Room Information

Bedroom Level: Second Dimensions: 13 x 10 Length: 13.00 Width: 10.00 Dimensions: 13 x 10 Full Bathroom Level: Second Dimensions: 14 x 8 Length: 14.00 Width: 8.00 Dimensions: 14 x 8 Living Room Level: First Dimensions: 20 x 15 Length: 20.00 Width: 15.00 Dimensions: 20 x 15 Dining Room Level: First Dimensions: 20 x 15 Length: 20.00 Width: 15.00 Dimensions: 20 x 15 Kitchen Level: First Dimensions: 16 x 16 Length: 16.00 Width: 16.00 Dimensions: 16 x 16 Foyer Level: First Dimensions: 13 x 10 Length: 13.00 Width: 10.00 Dimensions: 13 x 10 Half Bathroom Level: First Dimensions: 8 x 3 Length: 8.00 Width: 3.00 Dimensions: 8 x 3 Laundry Level: First Dimensions: 9 x 9 Length: 9.00 Width: 9.00 Dimensions: 9 x 9 Master Bedroom Level: First Dimensions: 20 x 15 Length: 20.00 Width: 15.00 Dimensions: 20 x 15 Master Bathroom Level: First Dimensions: 11 x 10 Length: 11.00 Width: 10.00 Dimensions: 11 x 10 Loft Level: Second Dimensions: 9 x 8 Length: 9.00 Width: 8.00 Dimensions: 9 x 8 Bedroom Level: Second Dimensions: 15 x 14 Length: 15.00 Width: 14.00 Dimensions: 15 x 14 Bedroom Level: Second Dimensions: 16 x 12 Length: 16.00 Width: 12.00 Dimensions: 16 x 12
Listing Office: Briar Patch Realty LLC
Listing Agent: Amanda L Gaskin
Last Updated: April - 16 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.