129 Bermuda Cir E, Niceville, FL 32578 Property Records

Okaloosa County property record for 129 Bermuda Cir E, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,269 sqft · built 1988
Lot Size	0.319 acres (13,919 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Jul 2024)
Tax Bill	$4,636 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-4104-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-4104-3`
Alternative APN	`23-1S-22-4770-000B-0060`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,269 sqft Heated Area
Gross Area	3,008 sqft
1st Floor Area	1,097 sqft
Upper Floors Area	1,172 sqft
Interior Walls	Custom/Decorative
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	13,919 sqft (0.319 acres)
Garage Type	Finished
Garage Area	440 sqft
Porch	Open Porch
Porch Area	299 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	129 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 6 BLK B
Legal Range	22
Legal Township	01S
Legal Section	23
Legal Subdivision	CARIBBEAN VIL WEST
Legal Block	B
Legal Lot Number	6
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	3
Census Block	3019
Census Tract	21002

Owner

Source: Okaloosa County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	129 BERMUDA CIR E, NICEVILLE, FL 32578-4178
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2019	Deed of Trust, Mortgage · VA Mortgage PRIME LNDG
Feb 26, 2019	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 18, 2024 · Amount on Record
Deed Sale	Jul 18, 2024 · Amount on Record
Prior Sale	Jul 5, 2001 · Amount on Record
Deed Document Number	3700017
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	129 BERMUDA CIR E, NICEVILLE, FL 32578-4178
Document Number	0034283788
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 6, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	129 BERMUDA CIR E NICEVILLE FL 325784178, NICEVILLE, FL 32578-4178

Mortgage

Document Number	0034283788
Date	Nov 14, 2019
Book Page	003428/003788
Instrument	3318069

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 26, 2019
Property Address	129 BERMUDA CIR E, NICEVILLE, FL 32578-4178
Document Number	0033863134
Book / Page	003386 / 003134
Instrument Date	Feb 25, 2019
Instrument	3261111
Transaction Type	Transfer
Record Updated	Mar 13, 2019
Title Company	BRADLEY TITLE CORPORATION, BRADLEY TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,408.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	209 JAMALCA CV NICEVILLE FL 32578, NICEVILLE, FL 32578

Mortgage

Document Number	33863136
Date	Feb 26, 2019
Book Page	003386/003136
Instrument	3261112

Lender

Name	FIDELITY BK
Type	Bank
Address	MANDEVILLE, LA 70471

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2049

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	$4,636.00 (+118.89%)	$385,999 (+84.46%) Land $95,476 Building $290,523	$385,999 (+10.41%) Land $95,476 Building $290,523
2023	$2,118.00 (+2.82%) Homeowner's exemption	$209,256 (+3%)	$349,594 (+6.04%) Land $88,263 Building $261,331
2022	$2,060.00 Homeowner's exemption	$203,161	$329,674 Land $84,060 Building $245,614

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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.

Nearby Properties on Bermuda Cir E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures