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Single Family ResidenceResidential
$635,276$239 / 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 Sep 24, 2026
Last sold for $685,000 on Apr 21, 2023

285 MONTANA AVE

VALPARAISO, FL 32580
5
Beds
3
Baths
2,656 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.
0.52 ac
Lot SizeThe size of the land the home sits on, from county records.
2023
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$635K
$592K low$678K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$685,000 · Apr 21, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,410 (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.$472,234 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$458,925
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$581,760

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
91
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
70
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
2
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.0.52
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.Garage, Finished
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 108 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 · 0.4 mi
H
Niceville High SchoolA-
High · Grades 9–12 · 1.8 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

285 Montana Ave 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 more than 92% of homes in Valparaiso 32580
  • Costs more per square foot than 72% of homes in Valparaiso 32580
  • Bigger than 92% of homes in Valparaiso 32580
  • Has a bigger lot than 91% of homes in Valparaiso 32580
  • Newer than 98% 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
$174K$907K

This home is worth more than 92% 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$635,276
CheaperTypical $310,115Pricier

Pricier than 92% of homes nearby

Price per ft²$239
CheaperTypical $207Pricier

Pricier than 72% of homes nearby

Living area2,656 ft²
SmallerTypical 1,649 ft²Bigger

Bigger than 92% of homes nearby

Lot size0.52 ac
SmallerTypical 0.26 acBigger

Bigger than 91% of homes nearby

Year built2023
OlderTypical 1976Newer

Newer than 97% of homes nearby

How 285 Montana Ave ranks against every home in each area.
MeasureThis homeValparaiso 32580Okaloosa County
Estimated valuepricier than$635,27692% of homes86% of homes
Price per ft²pricier than$23972% of homes67% of homes
Living areabigger than2,656 ft²92% of homes89% of homes
Lot sizebigger than0.52 ac91% of homes71% of homes
Year builtnewer than202397% of homes98% of homes

About 285 Montana Ave

How much is 285 Montana Ave, Valparaiso, FL worth?

The TopHap Estimate for 285 Montana Ave, Valparaiso, FL is $635,276 as of Sep 24, 2026. The likely range is $592,446 to $678,106. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 285 Montana Ave, Valparaiso, FL last sell?

285 Montana Ave, Valparaiso, FL last sold on Apr 21, 2023 for $685,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 285 Montana Ave, Valparaiso, FL?

285 Montana Ave, Valparaiso, FL has 5 bedrooms, 3 bathrooms, 2,656 square feet of living space and a 0.52-acre lot.

When was 285 Montana Ave, Valparaiso, FL built?

285 Montana Ave, Valparaiso, FL was built in 2023, making it 3 years old. The building has 1 story.

What schools serve 285 Montana Ave, Valparaiso, FL?

285 Montana Ave, 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 285 Montana Ave, Valparaiso, FL compare to other homes in Valparaiso 32580?

Among the 1,911 homes in Valparaiso 32580, it is worth more than 92% of them ($635,276 against a typical $310,115), its price per square foot is higher than 72% of them ($239 against a typical $207), it is bigger than 92% of them (2,656 ft² against a typical 1,649 ft²), its lot is bigger than 91% of them (0.52 ac against a typical 0.26 ac) and it is newer than 97% of them (2023 against a typical 1976). Measured against all of Okaloosa County, it is worth more than 86% 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 285 Montana Ave, Valparaiso, FL?

The 2025 property tax bill for 285 Montana Ave, Valparaiso, FL was $6,410. The county assessed it at $472,234.

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