Okaloosa County property record for 135 Bermuda Cir E, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,486 sqft · built 1988 |
| Lot Size | 0.299 acres (13,049 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Aug 2019) |
| Tax Bill | $3,651 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-596-4107-6 |
| Primary APN | C56-000-596-4107-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,486 sqft Heated Area |
| Gross Area | 3,288 sqft |
| 1st Floor Area | 1,245 sqft |
| Upper Floors Area | 1,241 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 13,049 sqft (0.299 acres) |
| Garage Type | Finished |
| Garage Area | 506 sqft |
| Porch | Enclosed Porch |
| Porch Area | 296 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 135 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 9 BLK B |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 23 |
| Legal Subdivision | CARIBBEAN VIL WEST |
| Legal Block | B |
| Legal Lot Number | 9 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 21002 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 135 BERMUDA CIR E, NICEVILLE, FL 32578-4178 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 12, 2021 | Deed of Trust, Mortgage · VA Mortgage UNIVERSITY LENDING GROUP LLC |
| Aug 22, 2019 | Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2019 · Amount on Record |
| Deed Sale | Aug 22, 2019 · Amount on Record |
| Prior Sale | Jun 18, 2013 · Amount on Record |
| Deed Document Number | 3299871 |
| Deed Book / Page | 3415 / 1538 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 135 BERMUDA CIR E, NICEVILLE, FL 32578-4178 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Name | Verified Name |
|---|---|
| Address | 135 BERMUDA CIR E, NICEVILLE, FL 32578-4178 |
| Document Number | 0035252856 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 3525/2856 |
| Instrument | 3429928 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 22, 2019 |
| Property Address | 135 BERMUDA CIR E, NICEVILLE, FL 32578-4178 |
| Document Number | 0034151538 |
| Book / Page | 003415 / 001538 |
| Instrument Date | Aug 13, 2019 |
| Instrument | 3299871 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2019 |
| Title Company | FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,870.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 135 BERMUDA CIR E NICEVILLE FL 325784178, NICEVILLE, FL 32578-4178 |
| Document Number | 34151539 |
|---|---|
| Date | Aug 22, 2019 |
| Book Page | 003415/001539 |
| Instrument | 3299872 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2049 |
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,651.00 (+5.49%) Homeowner's exemption | $341,401 (+5.99%) | $427,709 (+0.26%) Land $95,476 Building $332,233 |
| 2023 | $3,461.00 (+2.52%) Homeowner's exemption | $322,116 (+3%) | $426,579 (+6.19%) Land $88,263 Building $338,316 |
| 2022 | $3,376.00 Homeowner's exemption | $312,734 | $401,698 Land $84,060 Building $317,638 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures