# 109 Bermuda Way, Niceville, FL 32578

> **TL;DR:** 4bd/3ba single family, $665,000 ($310/sqft), built 1987, 2,145 sqft.
> Waterfront, View, Hardwood, A/C. Est. $3,557/mo. Listed 76 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $665,000 |
| Price/sqft | $310 |
| Bedrooms | 4 |
| Bathrooms | 2 full, 1 half |
| Square Feet | 2,145 |
| Year Built | 1987 |
| Lot Size | 16,988 sqft (0.39 acres) |
| Stories | 1 |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 76 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed
- **Views** - Lake
- **Hardwood Floors** - Hardwood flooring listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $3,363 |
| Estimated Insurance | $194 |
| **Total** | **$3,557** |

## Nearby Schools

- **Elementary:** Bluewater
- **Middle:** Lewis or Ruckel
- **High:** Niceville

## Key Amenities

- Waterfront
- View
- Hardwood
- A/C

## Property Highlights

- Built in 1987
- 0.39 acre lot
- 6 parking spaces
- Waterfront

## Description

### Agent Description
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!

## Location

- **Address:** 109 Bermuda Way, Niceville, FL 32578
- **County:** Okaloosa
- **Neighborhood:** BLUEWATER BAY VILLAGE 1A
- **Coordinates:** 30.487267, -86.428291
- **Google Maps:** https://www.google.com/maps?q=30.487267,-86.428291

## Listing Agent

- **Name:** Joe M Fagundes · **License:** 3397835
- **Brokerage:** Berkshire Hathaway HomeServices PenFed Realty
- **Phone:** 8506997047
- **Broker Phone:** (850) 729-0176
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/109-Bermuda-Way_Niceville_FL_32578_M66761-71168?f=listhub&s=ECARMLSFL&m=1006515&c=propsimple)

## Photos

![109 Bermuda Way - Photo 1](http://lh.rdcpix.com/61e80c71344c37916f0e654567da8b06l-f447273804r.jpg)

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---

**MLS#:** 1006515 | **Updated:** 2026-09-12
**Source:** listhub

*Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/109-bermuda-way-niceville-fl-32578-1006515)

---

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  "name": "109 Bermuda Way, Niceville, FL 32578",
  "description": "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!",
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