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Single Family ResidenceResidential
$628,981$253 / 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

4097 HOWARD DR

NICEVILLE, FL 32578
4
Beds
2.5
Baths
2,486 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.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$629K
$570K low$688K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,927 (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.$266,650 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$259,135
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$469,100

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.0.37
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood
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.Porch · 182 ft²

Transaction History(1)

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 · 1.7 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

4097 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 85% of homes in Okaloosa County
  • Costs more per square foot than 79% of homes in Rocky Bayou Estates
  • Bigger than 84% of homes in Okaloosa County
  • Has a smaller lot than 77% 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 84% 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$628,981
CheaperTypical $408,755Pricier

Pricier than 84% of homes nearby

Price per ft²$253
CheaperTypical $219Pricier

Pricier than 77% of homes nearby

Living area2,486 ft²
SmallerTypical 1,914 ft²Bigger

Bigger than 76% of homes nearby

Lot size0.37 ac
SmallerTypical 0.29 acBigger

Bigger than 67% of homes nearby

Year built1994
OlderTypical 1991Newer

Newer than 60% of homes nearby

How 4097 Howard Dr ranks against every home in each area.
MeasureThis homeRocky Bayou EstatesNiceville 32578Okaloosa County
Estimated valuepricier than$628,98168% of homes84% of homes85% of homes
Price per ft²pricier than$25379% of homes77% of homes72% of homes
Living areabigger than2,486 ft²42% of homes76% of homes84% of homes
Lot sizebigger than0.37 ac23% of homes67% of homes60% of homes
Year builtnewer than199458% of homes60% of homes55% of homes

About 4097 Howard Dr

How much is 4097 Howard Dr, Niceville, FL worth?

The TopHap Estimate for 4097 Howard Dr, Niceville, FL is $628,981 as of Sep 24, 2026. The likely range is $569,952 to $688,010. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4097 Howard Dr, Niceville, FL last sell?

4097 Howard Dr, Niceville, FL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 4097 Howard Dr, Niceville, FL?

4097 Howard Dr, Niceville, FL has 4 bedrooms, 2.5 bathrooms, 2,486 square feet of living space and a 0.37-acre lot.

When was 4097 Howard Dr, Niceville, FL built?

4097 Howard Dr, Niceville, FL was built in 1994, making it 32 years old. The building has 1 story.

What schools serve 4097 Howard Dr, Niceville, FL?

4097 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 4097 Howard Dr, Niceville, FL compare to other homes in Niceville 32578?

Among the 14,571 homes in Niceville 32578, it is worth more than 84% of them ($628,981 against a typical $408,755), its price per square foot is higher than 77% of them ($253 against a typical $219), it is bigger than 76% of them (2,486 ft² against a typical 1,914 ft²), its lot is bigger than 67% of them (0.37 ac against a typical 0.29 ac) and it is newer than 60% of them (1994 against a typical 1991). Measured against all of Okaloosa County, it is worth more than 85% 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 4097 Howard Dr, Niceville, FL?

The 2025 property tax bill for 4097 Howard Dr, Niceville, FL was $2,927. The county assessed it at $266,650.

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