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Single Family ResidenceResidential
$791,692$309 / 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 Sep 24, 2026
Last sold for $60,000 on Sep 11, 2003

4098 HOWARD DR

NICEVILLE, FL 32578
3
Beds
2
Baths
2,562 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.
0.71 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$792K
$743K low$841K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$60,000 · Sep 11, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,685 (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.$325,274 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$316,107
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$610,315

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.13 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.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.0.71
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.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 165 ft²Porch · 599 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 · 1.5 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%

Owner Tools

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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

4098 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 93% of homes in Niceville 32578
  • Costs more per square foot than 97% of homes in Rocky Bayou Estates
  • Bigger than 86% of homes in Okaloosa County
  • Has a bigger lot than 91% of homes in Niceville 32578

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 93% 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$791,692
CheaperTypical $408,755Pricier

Pricier than 93% of homes nearby

Price per ft²$309
CheaperTypical $219Pricier

Pricier than 96% of homes nearby

Living area2,562 ft²
SmallerTypical 1,914 ft²Bigger

Bigger than 79% of homes nearby

Lot size0.71 ac
SmallerTypical 0.29 acBigger

Bigger than 91% of homes nearby

Year built1995
OlderTypical 1991Newer

Newer than 62% of homes nearby

How 4098 Howard Dr ranks against every home in each area.
MeasureThis homeRocky Bayou EstatesNiceville 32578Okaloosa County
Estimated valuepricier than$791,69288% of homes93% of homes91% of homes
Price per ft²pricier than$30997% of homes96% of homes81% of homes
Living areabigger than2,562 ft²50% of homes79% of homes86% of homes
Lot sizebigger than0.71 ac81% of homes91% of homes76% of homes
Year builtnewer than199560% of homes62% of homes57% of homes

About 4098 Howard Dr

How much is 4098 Howard Dr, Niceville, FL worth?

The TopHap Estimate for 4098 Howard Dr, Niceville, FL is $791,692 as of Sep 24, 2026. The likely range is $742,851 to $840,533. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4098 Howard Dr, Niceville, FL last sell?

4098 Howard Dr, Niceville, FL last sold on Sep 11, 2003 for $60,000, according to the county's recorded deed.

How big is 4098 Howard Dr, Niceville, FL?

4098 Howard Dr, Niceville, FL has 3 bedrooms, 2 bathrooms, 2,562 square feet of living space and a 0.71-acre lot.

When was 4098 Howard Dr, Niceville, FL built?

4098 Howard Dr, Niceville, FL was built in 1995, making it 31 years old. The building has 1 story.

What schools serve 4098 Howard Dr, Niceville, FL?

4098 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 4098 Howard Dr, Niceville, FL compare to other homes in Niceville 32578?

Among the 14,571 homes in Niceville 32578, it is worth more than 93% of them ($791,692 against a typical $408,755), its price per square foot is higher than 96% of them ($309 against a typical $219), it is bigger than 79% of them (2,562 ft² against a typical 1,914 ft²), its lot is bigger than 91% of them (0.71 ac against a typical 0.29 ac) and it is newer than 62% of them (1995 against a typical 1991). Measured against all of Okaloosa County, it is worth more than 91% 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 4098 Howard Dr, Niceville, FL?

The 2025 property tax bill for 4098 Howard Dr, Niceville, FL was $3,685. The county assessed it at $325,274.

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