$665,000
- 4
- beds
- 2 full · 1 half
- baths
- 2,145
- sqft
- 1987
- year built
- 4
- beds
- 2 full · 1 half
- baths
- 2,145
- sqft
- 1987
- year built
- Status:
- Pending
- MLS #:
- 1006515
- Neighborhood:
- BLUEWATER BAY VILLAGE 1A
- County:
- Okaloosa
- Listed By:
- Joe M Fagundes - Berkshire Hathaway Home Services PenFed Realty
- Agent Email:
- jfagundes777@gmail.com
Sponsoring Broker: Jennifer Ledesma, Berkshire Hathaway HomeServices Beach Properties of Florida
Stunning Lakefront Retreat with Custom Woodwork & Westerly Sunsets -- 109 Bermuda Way, Niceville, FL Fall in love at first sight! This extraordinary lakefront home delivers a rare mix of natural beauty and master craftsmanship you won't find elsewhere in Niceville. Step inside and custom woodwork wraps every corner -- rich hardwood floors flow beneath hand-finished wood ceilings, custom millwork, and artisan trim that turns every room into a showcase of timeless craftsmanship. The real magic happens at golden hour. Positioned directly on the lake with unobstructed westerly views, this home is made for sunset lovers. Unwind on the back porch as the sky ignites over the water -- every evening becomes an event. Why You'll Love It: 🌅 Lakefront Living - Direct lake access with sweeping westerly sunset views 🪵 Custom Woodwork Throughout - Wood-beamed ceilings, hardwood floors, handcrafted millwork ✨ One-of-a-Kind Character - Built with intention and artistry, not cookie-cutter finishes 🏡 Prime Niceville Location - Close to Eglin AFB, top schools, shopping, and dining 🌊 Outdoor Living - Waterfront views from your own backyard oasis This is more than a house -- it's a daily escape. Lakefront homes with this level of craftsmanship rarely hit the Niceville market. Once you feel the warmth of these wood-finished interiors paired with unforgettable sunsets, you'll understand why. Schedule your private showing today before this rare gem is gone!
-
- Bedrooms
- 4
-
- Bathrooms
- 2 full · 1 half
-
- Year Built
- 1987
-
- Stories
- 1.0
-
- Architectural Style
- Craftsman
-
- Construction Materials
- Brick
-
- Foundation
- Slab
-
- Garage Spaces
- 2.0
-
- Parking Features
- Garage Door Opener, Garage
-
- Interior Features
- Pantry, Recessed Lighting, Natural Woodwork
-
- Appliances
- Dishwasher, Microwave, Disposal, Electric Oven
-
- Flooring
- Hardwood, Tile
-
- Exterior Features
- Rain Gutters
-
- Patio And Porch
- Patio
-
- Cooling
- Ceiling Fan(s), Central Air, Electric, Window Unit(s), Wall/Window Unit(s)
-
- Heating
- Natural Gas
-
- Acres
- 0.39
-
- Lot Features
- Waterfront
-
- Water Front Features
- Lake Front
-
- Water Front
- Yes
-
- View
- Lake
-
- Utilities
- Electricity Available, Natural Gas Available
-
- Water
- Public
-
- Area
- 13 - Niceville
-
- County
- Okaloosa
-
- City
- Niceville
-
- Neighborhood
- BLUEWATER BAY VILLAGE 1A
-
- Zip Code
- 32578
-
- High School
- Niceville
-
- Middle School
- Lewis or Ruckel
-
- Elementary School
- Bluewater
-
Nearby Schools
-
53out of 100
-
48out of 100
-
62out of 100
-
54out of 100
-
52out of 100
-
74out of 100
-
51out of 100
-
74out of 100
-
50out of 100
-
47out of 100
Disclaimer: ez Home Search School Ratings are on a scale of 1-100 and represent our evaluation of school quality based on academic performance, school resources, community feedback, and demographic factors. School attendance boundaries are for reference only. Contact the school directly to verify enrollment eligibility.
-
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Price History
| 06/29/2026 | Listed | $665,000 |
| Source: Emerald Coast Association of REALTORS #1006515 | ||
| 04/30/2021 | Off Market | — |
| Source: Emerald Coast Association of REALTORS #874140 | ||
Source: MLS Data
Deed History
| 05/11/2021 | Warranty Deed | $495,000 |
| 04/28/2004 | Warranty Deed | $283,000 |
Source: Public records via Constellation Data Labs
Mortgage History
| 05/11/2021 | Coventional | $512,820 |
| 04/28/2004 | Unknown | $150,000 |
| 12/30/2002 | Unknown | $130,000 |
Source: Public records via Constellation Data Labs
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Similar Listings
Look Throughout Niceville
There are currently 134 properties available in Niceville, with 0 under contract to close soon. Properties in the city have an average sale price of $630,108 and typically spend 85 days on the market before being sold.
Want to compare this property to others available for sale in the area? Use our search to find exactly what you want among our 2,000,000+ listings and to see incredible photos to show you what is possible.
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Source: ez Home Search, MLS Data
Frequently Asked Questions
How do I schedule a tour of 109 Bermuda Way?
We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 109 Bermuda Way.
They know residentials in the area well and can give you the guidance you need to buy with confidence.
How do I get more information about 109 Bermuda Way?
Click Ask a Question to talk with our team. You already know it is a 4 bed, 2 bath, listed for $665,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Niceville, and can even get you in to see the property quickly.
How much is the monthly mortgage payment for 109 Bermuda Way?
With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 109 Bermuda Way at around $4,139. This includes estimated property taxes and insurance.
Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.
How do I get pre-approved to buy 109 Bermuda Way?
Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.
Or, let us connect you with our preferred local lender in Okaloosa County. They will give you all of your available financing options, based on your specific situation and what is available to you.
Can I negotiate the asking price for 109 Bermuda Way?
In most cases, yes. Whether 109 Bermuda Way is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Niceville's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.
How do I make an offer on 109 Bermuda Way?
We can handle that for you. Our preferred local agent specializes in residentials in Niceville and can guide you through every step of the offer process.
You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.
What is the price per square foot for this home?
This home is listed at $665,000 with 2,145 sqft of space—that comes out to approximately $310 per square foot.
How long has this property been on the market?
109 Bermuda Way was listed on June 29, 2026, which means it's been on the market for 134 days.
Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.
When was this house built?
This home was built in 1987, making it approximately 39 years old.
What is the lot size of this property?
109 Bermuda Way sits on a 0.39-acre lot, which is 16,988 square feet.
What schools are assigned to this property?
Based on MLS info, this home is zoned for:
- Elementary: Bluewater
- Middle: Lewis or Ruckel
- High: Niceville
Want to see how these schools compare? Check out our Okaloosa County School Guide to see ratings, reviews, and more for the schools in the area.
What are the property taxes for 109 Bermuda Way?
The most recent public record shows annual property taxes for 109 Bermuda Way were approximately $4,259. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.
Is 109 Bermuda Way still available for sale?
This home is pending sale, which means the seller has accepted an offer. You can favorite it to track status or ask our expert to help you find similar homes in this area. We'll also let you know if this property comes back on the market.
Source: ez Home Search, MLS Data
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