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Single Family ResidenceResidential
$215,922$211 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $165,000 on Nov 21, 2019

191 SPENCER PL

VALPARAISO, FL 32580
3
Beds
2
Baths
1,025 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1966
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$216K
$201K low$231K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$165,000 · Nov 21, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,312 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$129,610 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$125,957
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$180,014

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOkaloosa
Lot (acres)The size of the land the home sits on, from county records.0.26
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 201 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lewis SchoolB+
Elementary · Grades KG–8 · 0.9 mi
H
Niceville High SchoolA-
High · Grades 9–12 · 1.6 mi

District: Okaloosa County School District

Neighborhood · ZIP 32580These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.117
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.74
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.4,994
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.81 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$84,655
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$101,616
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.69 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

191 Spencer Pl measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 92% of homes in Valparaiso 32580
  • Smaller than 92% of homes in Valparaiso 32580
  • Older than 88% of homes in Okaloosa County

What homes are worth in Valparaiso 32580

Each bar is how many homes fall in that price range. The marker is this home.

This home
$164K$1M

This home is worth more than 8% of homes in Valparaiso 32580.

How it measures up in Valparaiso 32580

The dot is this home. The mark in the middle is the typical home in Valparaiso 32580.

Estimated value$215,922
CheaperTypical $321,496Pricier

Pricier than 8% of homes nearby

Price per ft²$211
CheaperTypical $218Pricier

Pricier than 43% of homes nearby

Living area1,025 ft²
SmallerTypical 1,660 ft²Bigger

Bigger than 8% of homes nearby

Lot size0.26 ac
SmallerTypical 0.26 acBigger

Bigger than 61% of homes nearby

Year built1966
OlderTypical 1976Newer

Newer than 43% of homes nearby

How 191 Spencer Pl ranks against every home in each area.
MeasureThis homeValparaiso 32580Okaloosa County
Estimated valuepricier than$215,9228% of homes11% of homes
Price per ft²pricier than$21143% of homes46% of homes
Living areabigger than1,025 ft²8% of homes12% of homes
Lot sizebigger than0.26 ac61% of homes42% of homes
Year builtnewer than196643% of homes12% of homes

About 191 Spencer Pl

How much is 191 Spencer Pl, Valparaiso, FL worth?

The TopHap Estimate for 191 Spencer Pl, Valparaiso, FL is $215,922 as of Oct 21, 2026. The likely range is $201,135 to $230,709. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 191 Spencer Pl, Valparaiso, FL last sell?

191 Spencer Pl, Valparaiso, FL last sold on Nov 21, 2019 for $165,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 191 Spencer Pl, Valparaiso, FL?

191 Spencer Pl, Valparaiso, FL has 3 bedrooms, 2 bathrooms, 1,025 square feet of living space and a 0.26-acre lot.

When was 191 Spencer Pl, Valparaiso, FL built?

191 Spencer Pl, Valparaiso, FL was built in 1966, making it 60 years old. The building has 1 story.

What schools serve 191 Spencer Pl, Valparaiso, FL?

191 Spencer Pl, Valparaiso, FL is assigned to Lewis School (elementary), rated B+; Niceville High School (high), rated A-. All sit in Okaloosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 191 Spencer Pl, Valparaiso, FL compare to other homes in Valparaiso 32580?

Among the 1,912 homes in Valparaiso 32580, it is worth more than 8% of them ($215,922 against a typical $321,496), its price per square foot is higher than 43% of them ($211 against a typical $218), it is bigger than 8% of them (1,025 ft² against a typical 1,660 ft²), its lot is bigger than 61% of them (0.26 ac against a typical 0.26 ac) and it is newer than 43% of them (1966 against a typical 1976). Measured against all of Okaloosa County, it is worth more than 11% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 191 Spencer Pl, Valparaiso, FL?

The 2025 property tax bill for 191 Spencer Pl, Valparaiso, FL was $1,312. The county assessed it at $129,610.

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