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For sale
    • $665,000

    109 Bermuda Way, Niceville, FL 32578

    4beds
    2,145sqft
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    Single Family Residence
    Built in 1987
    0.39 Acres Lot
    $-- Zestimate®
    $310/sqft
    $-- HOA

    What's special

    Back porchWood-beamed ceilingsCustom woodwork throughoutLakefront homeHandcrafted millworkDirect lake accessHardwood floors
    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!
    4 days
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    842
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    47
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    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Joe M Fagundes 850-699-7047,

    Berkshire Hathaway Home Services PenFed Realty

    Source: ECAOR,MLS#: 1006515MLS Logo

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 2
      • Full bathrooms: 2
      Bedroom
      • Level: First
      • Area: 156 Square Feet
      • Dimensions: 13 x 12
      Bedroom
      • Level: First
      • Area: 168 Square Feet
      • Dimensions: 14 x 12
      Dining area
      • Level: First
      • Area: 128 Square Feet
      • Dimensions: 16 x 8
      Florida room
      • Level: First
      • Area: 128 Square Feet
      • Dimensions: 16 x 8
      Garage
      • Level: First
      • Area: 600 Square Feet
      • Dimensions: 25 x 24
      Kitchen
      • Level: First
      • Area: 117 Square Feet
      • Dimensions: 13 x 9
      Heating
      • Natural Gas
      Cooling
      • Central Air, Window Unit(s), Ceiling Fan(s)
      Appliances
      • Included: Dishwasher, Disposal, Microwave
      • Laundry: Washer/Dryer Hookup
      Features
      • Recessed Lighting, Pantry, Wallpaper, Woodwork Painted, Natural Woodwork
      • Flooring: Hardwood, Tile
      • Windows: Window Treatments
      • Attic: Pull Down Stairs
      • Common walls with other units/homes: No Common Walls
      Interior area
      • Total structure area: 2,145
      • Total interior livable area: 2,145 sqft

      Property

      Parking
      • Total spaces: 6
      • Parking features: Garage Door Opener, Garage
      • Garage spaces: 2
      Features
      • Stories: 1
      • Patio & porch: Patio
      • Exterior features: Lawn Pump, Rain Gutters
      • Has view: Yes
      • View description: Lake
      • Has water view: Yes
      • Water view: Lake
      • Waterfront features: Lake Front
      Lot
      • Size: 0.39 Acres
      • Dimensions: 75 x 196
      • Features: Covenants, Easements, Survey Available, Within 1/2 Mile to Water
      Details
      • Parcel number: 231S224770000A0050
      • Zoning description: Resid Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Craftsman
      • Property subtype: Single Family Residence
      Materials
      • Brick, Trim Wood
      • Foundation: Slab
      • Roof: Metal
      Condition
      • Construction Complete,Renovated
      • New construction: No
      • Year built: 1987

      Utilities & green energy

      • Water: Public

      Community & HOA

      Community
      • Features: Boat Launch, Dock, Fishing, Marina, Tennis Court(s), Waterfront, Pickleball
      • Subdivision: BLUEWATER BAY VILLAGE 1A
      Location
      • Region: Niceville

      Financial & listing details

      • Price per square foot: $310/sqft
      • Tax assessed value: $431,897
      • Annual tax amount: $4,259
      • Date on market: 7/6/2026
      • Road surface type: Paved

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        7/6/2026Listed for sale$665,000+34.3%$310/sqft
        Source: ECAOR #1006515 Report a problem
        5/11/2021Sold$495,000+74.9%$231/sqft
        Source: Public Record Report a problem
        4/28/2004Sold$283,000$132/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$4,138 +2.4%$381,918 +3%
        2023$4,041 +2.5%$370,794 +3%
        2022$3,944 -3.3%$359,994 +11.4%
        2021$4,080 +65.3%$323,105 +41.4%
        2020$2,469 +1.4%$228,483 +2.3%
        2019$2,435 +1.1%$223,346 +1.9%
        2018$2,409 $219,182 +2.1%
        2017-- $214,674 +2.1%
        2016-- $210,259 +0.7%
        2015$2,326 -2%$208,797 +0.8%
        2014$2,372 $207,140 +1.5%
        2013-- $204,079 +1.7%
        2012-- $200,668 -2%
        2011-- $204,812 +1%
        2010-- $202,771 -6%
        2009-- $215,727 -12.8%
        2008-- $247,342 -8.7%
        2007-- $271,011 -0.4%
        2006-- $272,089 +32.1%
        2005-- $205,920 +37%
        2004-- $150,332 +1.9%
        2003-- $147,529 +2.4%
        2002-- $144,071 +1.6%
        2001-- $141,802
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 32578

        Getting around

        30 / 100
        Car-Dependent
        44 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Bluewater
        • Middle: Lewis or Ruckel
        • High: Niceville

        Source: ECAOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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