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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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109 Bermuda Way , Niceville, FL 32578
$665,000
Est. Payment: $3,372.40/mo
4 Bed
3 Bath
2145 Sqft
Status: active | Days on site: 30
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House 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!

Highlights

Listed by Joe M Fagundes , 850-699-7047 Berkshire Hathaway Home Services PenFed Realty , 850-729-0176. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.39

Year Built

1987

County

Okaloosa

Area

13 - Niceville

Neighborhood

Bluewater Bay Village 1A

Listing ID

1006515

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Refrigerator W/IceMk, Stove/Oven Electric
Air Cond:Wall/Window Unit(s),Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Hardwood,Floor Tile
Other:
  • Additional:Lighting Recessed, Pantry, Pull Down Stairs, Wallpaper, Washer/Dryer Hookup, Woodwork Painted, Woodwork Stained

Exterior Features

Lot:Covenants,Easements,Survey Available,Within 1/2 Mile to Water,Lake
Lot Dimensions:75 x 196
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Lawn Pump, Patio Open
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$3,372
Taxes
$355

Home Price

$665,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$133,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,372.40

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,372.40 $354.94 $0.00 $3,727.35
Yearly $40,468.85 $4,259.31 $0.00 $44,728.16
Total $1,214,065.52 $127,779.30 $0.00 $1,341,844.82

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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Market insight data is pulled from the same city as the listing being viewed (Niceville, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

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