1. Home
  2. Florida
  3. Okaloosa County
  4. Niceville
  5. Bermuda Cir E

133 Bermuda Cir E, Niceville, FL 32578 Property Records

Okaloosa County property record for 133 Bermuda Cir E, Niceville, FL 32578

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,304 sqft · built 1987
Lot Size0.3 acres (13,049 sqft)
Owner2 Individual Names on Record
Last Sale$495,000 (Aug 2021)
Tax Bill$3,861 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNC56-000-596-4106-8

Property Details

APN / Parcel Number

Primary APNC56-000-596-4106-8
Alternative APNs
  • 23-1S-22-4770-000B-0080
  • 22S1234770000B0080

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,304 sqft Living Area
Gross Area3,238 sqft
1st Floor Area1,164 sqft
Upper Floors Area1,140 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialWood
Lot Area13,049 sqft (0.3 acres)
Garage TypeAttached
Garage Area462 sqft
PorchFlorida Room
Porch Area472 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address133 BERMUDA CIR E
CityNICEVILLE
StateFL
Zip32578-4178
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCARIBBEAN VILLAGE WEST LOT 8 BLK B
Legal Range22W
Legal Township01S
Legal Section23
Legal SubdivisionCARIBBEAN VILLAGE
Legal BlockB
Legal Lot Number8
JurisdictionOKALOOSA FL
Township / Civil DivisionNICEVILLE-VALPARAISO
Census Block Group3
Census Block3019
Census Tract21002

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address133 BERMUDA CIR E, NICEVILLE, FL 32578-4178
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 2, 2021Warranty Deed, Transfer · Conventional Mortgage
PROGRESS BANK & TRUST
Aug 31, 2020Deed of Trust, Mortgage · Conventional Mortgage
NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 2, 2021 · Amount on Record
Deed SaleAug 2, 2021 · Amount on Record
Prior SaleNov 21, 2008 · Amount on Record
Deed Document Number20213476749
Deed Book / Page3564 / 969
Record UpdatedOct 29, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateAug 2, 2021
Property Address133 BERMUDA CIR E, NICEVILLE, FL 32578-4178
Document Number0035640969
Book / Page3564 / 969
Map ReferenceMB 10 PG 45
Instrument DateJul 19, 2021
Instrument3476749
Transaction TypeTransfer
Record UpdatedAug 25, 2021
Title CompanyBRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,465.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1731 BOLTON VILLAGE LN, 1731, NICEVILLE, FL 32578-8739

Transferred To (Grantee/Buyer)

NameVerified Name
Address133 BERMUDA CIR E, NICEVILLE, FL 32578-4178

Mortgage

Document Number3564971
DateAug 2, 2021
Instrument3564/971
Lender
NamePROGRESS BANK & TRUST
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2051

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address133 BERMUDA CIR E, NICEVILLE, FL 32578-4178
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address133 BERMUDA CIR E, NICEVILLE, FL 32578-4178

Mortgage

Document Number0034880944
DateAug 31, 2020
Book Page3488/944
Instrument3387046
Lender
NameNORTH AMERICAN SAVINGS BANK FSB
TypeBank
AddressGRANDVIEW, MO 64030
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,861.00 (-19.63%) Homeowner's exemption$359,271 (-9.37%)$400,101 (+0.93%) Land $95,476 Building $304,625
2023$4,804.00 (+5.24%)$396,409 (+6.16%) Land $88,263 Building $308,146$396,409 (+6.16%) Land $88,263 Building $308,146
2022$4,565.00$373,408 Land $84,060 Building $289,348$373,408 Land $84,060 Building $289,348

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 218 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 units insured
incl. 60 condo units
Nearby Flood Claims89 (1994–2020)
Claims Outside the SFHA20 of 89
Most Recent ClaimSep 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.03% annual chance
ExposureIndirect
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 SystemOKALOOSA COUNTY BLUEWATER BAY-RAINTREE
serves 17,592 people · EPA ID FL1460775
Water SourceGroundwater
Last State InspectionMay 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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