55 Bay Drive 5202, Niceville, FL 32578 (MLS# 1005935)

55 Bay Drive 5202, Niceville, FL 32578

$169,900

Looking back at the front door and coat closet on the left

Looking into the dining area and kitchen

Double bifold door is access to the laundry closet

Living room slider door leading to the balcony

Split view of bedroom on left with bathroom on the right

View from the slider door to the closet on the left and bedroom entry door

Second floor stairwell. Unit 5202 is at top of landing and slightly to the left

View left of front door to the next unit

Property Type: Residential Bedrooms: 1 Baths: 1 Square Footage: 784 Status: Active

Current Price: $169,900 List Date: 6/21/2026 Last Modified: 7/24/2026

Description

Welcome to this inviting second-floor 1-bedroom, 1-bath condo in Garden Oaks Condos, part of the desirable Bluewater Bay community. Filled with natural light, this charming home offers laminate flooring for easy maintenance, with carpet in the living room and bedroom for added comfort. The spacious screened-in balcony, accessible from both the living room and bedroom, creates a wonderful place to relax and enjoy the Florida lifestyle early in the morning or late at night. The kitchen features a convenient layout and plenty of cabinet storage, while the washer conveys with the property for everyday ease. With its comfortable layout, appealing features, and sought-after Bluewater Bay location, this condo is a wonderful opportunity to enjoy low-maintenance and affordable living in a beautiful and convenient setting.

More Information MLS# 1005935

General Property Info

userdefined76: 1 Sub-Type: Condominium Design: N/A SqFt Source: County PA Records Balcony SqFt: 154 Stories In Unit: 2 # of Units in Bldg: 8 Stories in Building: 2 Unit Floors Above Ground: 2 Immediate Occupancy: Yes Pre-Const Flip: No Garage: No Carport: No Carport Spaces: 0 Covered Spaces: 0 Driveway Spaces: 0 Street Spaces: 0 Assigned Spaces: 1 Pool: No Pool Type: None Apx SqFt(Htd/Cooled): 784 Bedrooms: 1 Full Baths: 1 Total Bathrooms: 1 Year Built: 1985

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 216.71 List Date: 2026-06-21 Current Price: $169,900 List Price: $169,900

Location, Tax and Legal

Unit #: 5202 Sub Area: 1308 - Bluewater Bay Elementary School: Bluewater Middle School: Choice-Destin/Ruckel High School: Niceville Legal Description: Unit Number 5202 of Garden Oaks, a Condominium, together w/an undivided share in the common elements appurtenant thereto in accordance with and subject to the covenants, conditions, restrictions, terms and other provisions of the Declaration of Garden Oaks, a Condominium, and the schedules annexed therto as recorded in Official Records Book 1281, Page 313, of the Public Records of Okaloosa Co, FL

Listing Info, Tax & Legal

Homestead: Yes Is Subject Leased: No Assessment Fees: Yes Assessment Amount: 336.26 Annual Assessment Amount: 4035.12 Assessment Paid: Monthly New Buyer Fee: No Last Taxes: 494.32 Last Tax Year: 2025 Brokerage Interest: No Interest As Is: Yes

Remarks & Misc

Remarks: Welcome to this inviting second-floor 1-bedroom, 1-bath condo in Garden Oaks Condos, part of the desirable Bluewater Bay community. Filled with natural light, this charming home offers laminate flooring for easy maintenance, with carpet in the living room and bedroom for added comfort. The spacious screened-in balcony, accessible from both the living room and bedroom, creates a wonderful place to relax and enjoy the Florida lifestyle early in the morning or late at night. The kitchen features a convenient layout and plenty of cabinet storage, while the washer conveys with the property for everyday ease. With its comfortable layout, appealing features, and sought-after Bluewater Bay location, this condo is a wonderful opportunity to enjoy low-maintenance and affordable living in a beautiful and convenient setting.

Sale Type

Estate In Probate: 1

Construction Status

Construction Complete: 1

Project Facilities

Short Term Rental - Allowed: 1

Construction/Siding

Frame: 1 Roof Dimensional Shg: 1 Slab: 1 Stucco: 1 Trim Wood: 1

Utilities

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

Exterior

Balcony: 1 Sprinkler System: 1

Interior

Breakfast Bar: 1 Floor Laminate: 1 Floor WW Carpet: 1 Furnished - None: 1 Washer/Dryer Hookup: 1 Window Treatment All: 1 Woodwork Painted: 1

Financing

Conventional: 1

Appliances

Dishwasher: 1 Range Hood: 1 Refrigerator: 1 Smoke Detector: 1 Stove/Oven Electric: 1 Washer: 1

Energy

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

Mstr Bdrm/Mstr Bath

MBath Cultured Mrble: 1 MBed Balcony: 1 MBed Carpeted: 1

Bedroom

First: 1

Kitchen

First: 1

Living Room

First: 1

Full Bathroom

First: 1

Rooms

Balcony: 1 Bedroom: 1 Dining Area: 1 Foyer: 1 Full Bathroom: 1 Kitchen: 1 Laundry: 1 Living Room: 1

Fees Include

Ground Keeping: 1 Insurance: 1 Repairs/Maintenance: 1 Sewer: 1 Trash: 1 Water: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 13 - Niceville Street #: 55 Street Name: Bay Street Suffix: Drive State: FL Zip Code: 32578 County: Okaloosa Project Name/Subdivision: GARDEN OAKS CONDO UNIT 5202 Parcel ID: 23-1S-22-1022-0000-5202

Property Features

Sale Type: Estate In Probate Construction Status: Construction Complete Project Facilities: Short Term Rental - Allowed Exterior: Balcony; Sprinkler System Interior: Breakfast Bar; Floor Laminate; Floor WW Carpet; Furnished - None; Washer/Dryer Hookup; Window Treatment All; Woodwork Painted Appliances: Dishwasher; Range Hood; Refrigerator; Smoke Detector; Stove/Oven Electric; Washer Utilities: Electric; Phone; Public Sewer; Public Water; TV Cable; Underground Energy: AC - Central Elect; AC - High Efficiency; Ceiling Fans; Double Pane Windows; Heat Cntrl Electric; Ridge Vent; Storm Doors; Water Heater - Elect Bedroom: First Kitchen: First Living Room: First Full Bathroom: First Rooms: Balcony; Bedroom; Dining Area; Foyer; Full Bathroom; Kitchen; Laundry; Living Room Financing: Conventional Fees Include: Ground Keeping; Insurance; Repairs/Maintenance; Trash; Water

Room Information

Foyer Level: First Dimensions: 3.8 x 5 Length: 3.80 Width: 5.00 Dimensions: 3.8 x 5 Kitchen Level: First Dimensions: 10.7 x 9.6 Length: 10.70 Width: 9.60 Dimensions: 10.7 x 9.6 Laundry Level: First Dimensions: 8 x 2.9 Length: 8.00 Width: 2.90 Dimensions: 8 x 2.9 Dining Area Level: First Dimensions: 7 x 7 Length: 7.00 Width: 7.00 Dimensions: 7 x 7 Living Room Level: First Dimensions: 13.5 x 16 Length: 13.50 Width: 16.00 Dimensions: 13.5 x 16 Balcony Level: First Dimensions: 10 x 6.2 Length: 10.00 Width: 6.20 Remarks: irregular, screened in Dimensions: 10 x 6.2 Bedroom Level: First Dimensions: 11.8 x 13.3 Length: 11.80 Width: 13.30 Dimensions: 11.8 x 13.3 Balcony Level: First Dimensions: 11.5 x 8 Length: 11.50 Width: 8.00 Remarks: irregular, screened enclosed Dimensions: 11.5 x 8 Full Bathroom Level: First Dimensions: 7 x 10.7 Length: 7.00 Width: 10.70 Dimensions: 7 x 10.7

Listing Office: ERA American Real Estate

Listing Agent: Debbie K Lewis

Last Updated: July - 24 - 2026

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