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Single Family ResidenceResidential
$596,033$222 / 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 91How 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 Oct 17, 2022

4095 HOWARD DR

NICEVILLE, FL 32578
4
Beds
3
Baths
2,683 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.
0.38 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$596K
$543K low$649K 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 · Oct 17, 2022

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$530,641 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$123,469
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$407,172
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$520,539
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$530,641

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.0.38
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
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, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 349 ft²

Transaction History(4)

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
James E. Plew Elementary SchoolA+
Elementary · Grades KG–5 · 1.4 mi
M
C.W. Ruckel Middle SchoolA
Middle · Grades 6–8 · 1.6 mi
H
Niceville High SchoolB+
High · Grades 9–12 · 1.6 mi

District: Okaloosa County School District

Neighborhood · ZIP 32578These 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.54
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
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.0.9%
PopulationHow many people live in this area.35,697
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.373 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$108,139
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$119,010
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.68 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

4095 Howard Dr 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 83% of homes in Okaloosa County
  • Bigger than 89% of homes in Okaloosa County
  • Has a smaller lot than 72% of homes in Rocky Bayou Estates

What homes are worth in Niceville 32578

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

This home
$173K$1.1M

This home is worth more than 81% of homes in Niceville 32578.

How it measures up in Niceville 32578

The dot is this home. The mark in the middle is the typical home in Niceville 32578.

Estimated value$596,033
CheaperTypical $408,755Pricier

Pricier than 81% of homes nearby

Price per ft²$222
CheaperTypical $219Pricier

Pricier than 53% of homes nearby

Living area2,683 ft²
SmallerTypical 1,914 ft²Bigger

Bigger than 83% of homes nearby

Lot size0.38 ac
SmallerTypical 0.29 acBigger

Bigger than 70% of homes nearby

Year built1993
OlderTypical 1991Newer

Newer than 57% of homes nearby

How 4095 Howard Dr ranks against every home in each area.
MeasureThis homeRocky Bayou EstatesNiceville 32578Okaloosa County
Estimated valuepricier than$596,03359% of homes81% of homes83% of homes
Price per ft²pricier than$22251% of homes53% of homes60% of homes
Living areabigger than2,683 ft²61% of homes83% of homes89% of homes
Lot sizebigger than0.38 ac28% of homes70% of homes61% of homes
Year builtnewer than199353% of homes57% of homes53% of homes

About 4095 Howard Dr

How much is 4095 Howard Dr, Niceville, FL worth?

The TopHap Estimate for 4095 Howard Dr, Niceville, FL is $596,033 as of Sep 24, 2026. The likely range is $542,718 to $649,348. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4095 Howard Dr, Niceville, FL last sell?

4095 Howard Dr, Niceville, FL last sold on Oct 17, 2022 for $685,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 4095 Howard Dr, Niceville, FL?

4095 Howard Dr, Niceville, FL has 4 bedrooms, 3 bathrooms, 2,683 square feet of living space and a 0.38-acre lot.

When was 4095 Howard Dr, Niceville, FL built?

4095 Howard Dr, Niceville, FL was built in 1993, making it 33 years old. The building has 1 story.

What schools serve 4095 Howard Dr, Niceville, FL?

4095 Howard Dr, Niceville, FL is assigned to James E. Plew Elementary School (elementary), rated A+; C.W. Ruckel Middle School (middle), rated A; Niceville High School (high), rated B+. All sit in Okaloosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4095 Howard Dr, Niceville, FL compare to other homes in Niceville 32578?

Among the 14,571 homes in Niceville 32578, it is worth more than 81% of them ($596,033 against a typical $408,755), its price per square foot is higher than 53% of them ($222 against a typical $219), it is bigger than 83% of them (2,683 ft² against a typical 1,914 ft²), its lot is bigger than 70% of them (0.38 ac against a typical 0.29 ac) and it is newer than 57% of them (1993 against a typical 1991). Measured against all of Okaloosa County, it is worth more than 83% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on Howard Dr

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Assigned schools

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