1405 Ariel Lane, Fort Walton Beach, FL 32547
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
- No CDD assessment on record
- Built 1988 · 38 yrs
- 2-car garage
- 163 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1988BuiltPer public record
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $1,976/mo 77%
- Taxes $341/mo 13%
- Insurance $206/mo 8%
- HOA $50/mo 2%
$2,573/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
76/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
71% of homes in CROSSWINDS are owner-occupied. An estimated 29% are non-owner-occupied, including 4% held in a company or trust and 12% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 113 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in CROSSWINDS, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated July 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
North Fort Walton Beach doesn't get much better positioned than this. 1405 Ariel Lane sits in Crosswinds Landing, a quiet cul-de-sac neighborhood just 10 minutes from Eglin AFB's main gate and 18 from Hurlburt Field -- with downtown Fort Walton Beach, the bridge to Okaloosa Island, and the beaches themselves all within easy reach. If you're PCSing into the area, this is the corridor you want to land in.
At 2,130 square feet, this is the largest move-in-ready detached home currently available in Crosswinds Landing -- three bedrooms, two and a half baths, master on the first floor, cathedral and vaulted ceilings that open the space up well beyond the square footage. Here's the real story: a prior buyer walked away after an inspection report, and instead of negotiating around it, the sellers just fixed it. Every item.
Then they kept going -- new roof (2022), a brand new hot water heater (June 2026), new carpet through the master and second floor, an epoxy-coated garage floor, and a tree removal that flooded the kitchen with natural light and opened up the yard. Ready now, no deferred maintenance to inherit. Skylights, gas fireplace, fenced backyard, attached garage, quiet cul-de-sac lot.
VA, FHA, and Conventional financing accepted -- now offered at $390,000, the most competitive price per square foot for a detached home in this neighborhood in the past year. Location, condition, and price all line up here. Come see it before someone else does.
The Full Story on 1405 Ariel Lane Some homes sit on the market because they're overpriced. Some because they need work. This one sat because a buyer got cold feet after an inspection report -- and the sellers made a decision most sellers don't make.
Instead of negotiating a credit and hoping the next buyer wouldn't ask the same questions, they fixed every single item on that report. Then they kept going. What you're looking at today is a home that has been more thoroughly prepared for its next owner than most new listings ever are.
Start with the location, because for a lot of buyers looking in this corridor, location is the whole decision. 1405 Ariel Lane sits inside Crosswinds Landing, a quiet, established neighborhood in North Fort Walton Beach -- a straight ten-minute drive to Eglin Air Force Base's main gate, about eighteen minutes to Hurlburt Field. Downtown Fort Walton Beach, the bridge over to Okaloosa Island, and the beaches themselves are all close enough to be part of everyday life, not a special-occasion drive.
For anyone PCSing into the area on a timeline, or anyone who just wants to stop losing an hour a day to a commute, this address does a lot of the work for you. The house itself is 2,130 square feet -- the largest move-in-ready detached home currently available in Crosswinds Landing. Three bedrooms, two and a half baths, and a master suite on the first floor, which matters more than people expect once they're actually living with stairs every day.
Cathedral and vaulted ceilings run through the main living space, with skylights that bring in far more natural light than the square footage alone would suggest. A gas fireplace anchors the living room for the handful of genuinely cold nights this part of Florida gets. Out back, a fenced yard on a quiet cul-de-sac lot gives you privacy without the maintenance of a big lot -- and a recent tree removal opened up both the yard and the kitchen, which now gets natural light it simply didn't have before.
Here is what's been done, plainly, so there are no surprises at inspection number two: new roof in 2022. A brand new hot water heater, installed June 2026. New carpet throughout the master bedroom and the entire second floor.
An epoxy-coated garage floor. And, as mentioned, a backyard tree removal that changed how the whole back of the house lives and feels. None of this is cosmetic staging done to move a listing -- it's real, dated, verifiable work, and a pre-repair inspection summary is available on request for anyone who wants…
Description provided by RE/MAX Coastal Properties and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Similar homes for sale near CROSSWINDS
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS. Run --online for a live reading.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Recent sales activity in CROSSWINDS
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the CROSSWINDS neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on CROSSWINDS
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Okaloosa County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
- Confirm roof age and condition during inspection.
- Confirm HVAC age and condition during inspection.
- Request current HOA documents before relying on dues or restrictions.
- Obtain an insurance quote for this specific property.
- Confirm school zoning directly with the district.
- Order a survey to confirm lot boundaries.
- Review permit history with the county.
- Confirm whether flood insurance is required for this parcel.
- Confirm square footage and room dimensions independently.
- Ask the county how property taxes may change after a sale.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: July 26, 2026) |
| Community market stats | realMLS closed sales, as of July 25, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 1405 Ariel Lane in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Emerald Coast Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.