Okaloosa County property record for 4094 Howard Dr, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,785 sqft · built 1997 |
| Lot Size | 0.342 acres (14,916 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $525,000 (May 2006) |
| Tax Bill | $3,462 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-591-8543-9 |
| Primary APN | C56-000-591-8543-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,785 sqft Living Area |
| Gross Area | 4,276 sqft |
| 1st Floor Area | 1,774 sqft |
| Basement Area | 1,264 sqft |
| Finished Basement | 1,264 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 14,916 sqft (0.342 acres) |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Porch | Open/Unfinished Porch |
| Porch Area | 468 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4094 HOWARD DR |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-1608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROCKY BAYOU C/C EST #8 LOT 27 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 04 |
| Legal Subdivision | ROCKY BAYOU C/C |
| Legal Lot Number | 27 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 20900 |
4094 Howard Dr is owned and occupied by two individuals who bought it in May 2006.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4094 HOWARD DR, NICEVILLE, FL 32578-1608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2006 · Amount on File |
| Deed Sale | May 11, 2006 · Amount on File |
| Deed Document Number | 20062328795 |
| Deed Book / Page | 2707 / 3742 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 4094 Howard Dr was $3,462 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,462.00 Homeowner's exemption | $308,074 | $466,728 Land $117,296 Building $349,432 |
| 2023 | $3,272.00 (+2.6%) Homeowner's exemption | $290,672 (+3%) | $453,542 (+5.98%) Land $103,506 Building $350,036 |
| 2022 | $3,189.00 Homeowner's exemption | $282,206 | $427,942 Land $98,577 Building $329,365 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4094 Howard Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 81 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 81 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 4094 Howard Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF NICEVILLE serves 22,243 people · EPA ID FL1460147 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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