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Single Family ResidenceResidential
$287,131$185 / 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 94How 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 $80,200 on Mar 12, 2015

195 SPENCER PL

VALPARAISO, FL 32580
3
Beds
2
Baths
1,555 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.
0.54 ac
Lot SizeThe size of the land the home sits on, from county records.
1964
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$287K
$269K low$305K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$80,200 · Mar 12, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,042 (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.$183,687 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$178,510
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$253,484

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.22 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.64%
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.1 percent flood zone

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.0.54
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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.Patio · 288 ft²Porch · 200 ft²

Transaction History(6)

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

Foreclosure Filings(2)

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 · 0.8 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

195 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 71% of homes in Okaloosa County
  • Costs less per square foot than 78% of homes in Valparaiso 32580
  • Has a bigger lot than 93% of homes in Valparaiso 32580
  • Older than 89% 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 36% 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$287,131
CheaperTypical $321,496Pricier

Pricier than 36% of homes nearby

Price per ft²$185
CheaperTypical $218Pricier

Pricier than 22% of homes nearby

Living area1,555 ft²
SmallerTypical 1,660 ft²Bigger

Bigger than 43% of homes nearby

Lot size0.54 ac
SmallerTypical 0.26 acBigger

Bigger than 93% of homes nearby

Year built1964
OlderTypical 1976Newer

Newer than 40% of homes nearby

How 195 Spencer Pl ranks against every home in each area.
MeasureThis homeValparaiso 32580Okaloosa County
Estimated valuepricier than$287,13136% of homes29% of homes
Price per ft²pricier than$18522% of homes30% of homes
Living areabigger than1,555 ft²43% of homes45% of homes
Lot sizebigger than0.54 ac93% of homes71% of homes
Year builtnewer than196440% of homes11% of homes

About 195 Spencer Pl

How much is 195 Spencer Pl, Valparaiso, FL worth?

The TopHap Estimate for 195 Spencer Pl, Valparaiso, FL is $287,131 as of Oct 21, 2026. The likely range is $269,327 to $304,935. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 195 Spencer Pl, Valparaiso, FL last sell?

195 Spencer Pl, Valparaiso, FL last sold on Mar 12, 2015 for $80,200, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 195 Spencer Pl, Valparaiso, FL?

195 Spencer Pl, Valparaiso, FL has 3 bedrooms, 2 bathrooms, 1,555 square feet of living space and a 0.54-acre lot.

When was 195 Spencer Pl, Valparaiso, FL built?

195 Spencer Pl, Valparaiso, FL was built in 1964, making it 62 years old. The building has 2 stories.

What schools serve 195 Spencer Pl, Valparaiso, FL?

195 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 195 Spencer Pl, Valparaiso, FL compare to other homes in Valparaiso 32580?

Among the 1,912 homes in Valparaiso 32580, it is worth more than 36% of them ($287,131 against a typical $321,496), its price per square foot is higher than 22% of them ($185 against a typical $218), it is bigger than 43% of them (1,555 ft² against a typical 1,660 ft²), its lot is bigger than 93% of them (0.54 ac against a typical 0.26 ac) and it is newer than 40% of them (1964 against a typical 1976). Measured against all of Okaloosa County, it is worth more than 29% 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 195 Spencer Pl, Valparaiso, FL?

The 2025 property tax bill for 195 Spencer Pl, Valparaiso, FL was $2,042. The county assessed it at $183,687.

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