123 Bermuda Cir E, Niceville, FL 32578 Property Records

Okaloosa County property record for 123 Bermuda Cir E, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,118 sqft · built 1988
Lot Size	0.295 acres (12,880 sqft)
Owner	2 Owner Names on Record
Last Sale	$345,000 (Aug 2004)
Tax Bill	$86 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-187-8635-9`

Property Details

APN / Parcel Number

Primary APN	`C56-001-187-8635-9`
Alternative APNs	`23-1S-22-4770-000B-0030` `C56-000-596-4101-9`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,118 sqft Heated Area
Gross Area	4,100 sqft
1st Floor Area	1,706 sqft
Upper Floors Area	1,389 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	12,880 sqft (0.295 acres)
Garage Type	Finished
Garage Area	504 sqft
Porch	Enclosed Porch
Porch Area	210 sqft
Patio Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	123 BERMUDA CIR E
City	NICEVILLE
State	FL
Zip	32578-4178
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARIBBEAN VILLAGE WEST LOT 3 BLK B
Legal Range	22
Legal Township	01S
Legal Section	23
Legal Subdivision	CARIBBEAN VIL WEST
Legal Block	B
Legal Lot Number	3
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	3
Census Block	3019
Census Tract	21002

Owner

Source: Okaloosa County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	123 BERMUDA CIR E, NICEVILLE, FL 32578-4178
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 13, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jun 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2004 · Amount on Record
Deed Sale	Aug 18, 2004 · Amount on Record
Prior Sale	Sep 11, 2001 · Amount on Record
Deed Document Number	2149232
Deed Book / Page	2556 / 1109
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	123 BERMUDA CIR E, NICEVILLE, FL 32578-4178
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036402777
Date	Aug 31, 2022
Book Page	3640/2777
Instrument	3575434

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	123 BERMUDA CIR E, NICEVILLE, FL 32578-4178
Document Number	0034391694
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	Feb 7, 2020
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 BERMUDA CIR E NICEVILLE FL 325784178, NICEVILLE, FL 32578-4178

Mortgage

Document Number	0034391694
Date	Jan 17, 2020
Book Page	003439/001694
Instrument	3331256

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	123 BERMUDA CIR E, NICEVILLE, FL 32578-4178
Document Number	0033540809
Instrument Date	Jun 6, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 BERMUDA CIR E NICEVILLE FL 325784178, NICEVILLE, FL 32578-4178

Mortgage

Document Number	0033540809
Date	Jun 12, 2018
Book Page	003354/000809
Instrument	3212822

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$86.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$319,630 (+5.99%)	$441,588 (+0.64%) Land $95,476 Building $346,112
2023	$86.00 (-97.26%)	$301,575 (-)	$438,764 (+6.03%) Land $88,263 Building $350,501
2022	$3,136.00	$301,575	$413,796 Land $84,060 Building $329,736

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

Flood

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 Record 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

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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