120 Bermuda Cir E, Niceville, FL 32578 Property Records

Okaloosa County property record for 120 Bermuda Cir E, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,397 sqft · built 1987
Lot Size	0.311 acres (13,547 sqft)
Owner	2 Individual Names on File
Last Sale	$355,500 (Dec 2019)
Tax Bill	$3,393 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-4134-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-4134-0`
Alternative APNs	`23-1S-22-4770-000B-0360` `22S1234770000B0360`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,397 sqft Living Area
Gross Area	3,215 sqft
1st Floor Area	2,397 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	13,547 sqft (0.311 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Finished/Open Porch
Porch Area	32 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 BERMUDA CIR E
City	NICEVILLE
State	FL
Zip	32578-4139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARIBBEAN VILLAGE WEST LOT 36 BLK B
Legal Range	22W
Legal Township	01S
Legal Section	23
Legal Subdivision	CARIBBEAN VILLAGE
Legal Block	B
Legal Lot Number	36
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	3
Census Block	3018
Census Tract	21002

Owner

120 Bermuda Cir E is owned and occupied by two individuals who bought it in December 2019.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 BERMUDA CIR E, NICEVILLE, FL 32578-4139
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on File
Deed Sale	Dec 20, 2019 · Amount on File
Prior Sale	Apr 12, 2006 · Amount on File
Deed Document Number	20193325804
Deed Book / Page	3434 / 4325
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 20, 2019
Property Address	120 BERMUDA CIR E, NICEVILLE, FL 32578-4139
Document Number	0034344325
Book / Page	3434 / 4325
Map Reference	MB 10 PG 45
Instrument Date	Dec 12, 2019
Instrument	3325804
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	BRIGHT LIGHT LAND TTL CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,488.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PSC 50 BOX 96 APO AE 09494 0001, 96, XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 BERMUDA CIR E, NICEVILLE, FL 32578-4139

Mortgage

Document Number	0034344327
Date	Dec 20, 2019
Instrument	3434-4327

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 120 Bermuda Cir E was $3,393 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,393.00 Homeowner's exemption	$319,560	$406,815 Land $95,476 Building $311,339
2023	$3,216.00 (+2.55%) Homeowner's exemption	$301,509 (+3%)	$404,216 (+7.3%) Land $88,263 Building $315,953
2022	$3,136.00 Homeowner's exemption	$292,727	$376,715 Land $84,060 Building $292,655

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 120 Bermuda Cir E in Zone X, an area of minimal flood risk, though there have been 89 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 218 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 units insured incl. 60 condo units
Nearby Flood Claims	89 (1994–2020)
Claims Outside the SFHA	20 of 89
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Frances, Sep 2004 · 49 claims Hurricane Georges, Sep 1998 · 15 claims Hurricane Opal, Oct 1995 · 17 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 120 Bermuda Cir E is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OKALOOSA COUNTY BLUEWATER BAY-RAINTREE serves 17,592 people · EPA ID FL1460775
Water Source	Groundwater
Last State Inspection	May 2023
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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