2335 Cummings Drive, Fort Walton Beach, FL 32547
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 30, 2026, 2335 Cummings Drive in Majestic Oaks, Fort Walton Beach is listed at $549,900. That sits within a few percent of Majestic Oaks's median closed sale of $549,900 over the last 12 months (1 recorded sales). It has been 67 days on market. Listing facts: built in 2015. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2015 · 11 yrs
- 2-car garage
- 67 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2015BuiltPer public record
- Aug 4, 2026First trackedObserved at $549,900 · 67 days on market
- NowUnder contractCurrently pending
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 $2,936/mo 80%
- Taxes $481/mo 13%
- Insurance $187/mo 5%
- HOA $50/mo 1%
$3,654/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollMany first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Adjust for your exemptions, portability, and down payment
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Natural hazard risk
FEMA National Risk Index for Okaloosa County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Momentum Property Score
75/100 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
74% of homes in MAJESTIC OAKS are owner-occupied. An estimated 26% are non-owner-occupied, including 6% held in a company or trust and 8% 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), 51 homes matched. Community-level context.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
NEW PRICE!!! Nestled in the highly sought-after Majestic Oaks community in Fort Walton Beach, this beautifully maintained home on Cummings Drive offers an inviting open floor plan and is perfectly situated on a quiet street with a beautifully manicured lawn. Ideally located just minutes from the sugar-white sands and crystalline-green waters of the Emerald Coast, this exceptional home also provides convenient access to Eglin Air Force Base and Hurlburt Field.
Families will appreciate its proximity to Choctawhatchee High School and Pryor Middle School. Designed for both everyday living and entertaining, the open-concept layout flows seamlessly into the spacious living room, highlighted by a double tray ceiling, recessed lighting, and an abundance of natural light. The well-appointed kitchen features granite countertops, rich wood cabinetry, and a dedicated coffee bar station, making it both stylish and functional.
Step outside to the covered porch and patio, an ideal setting for relaxing or hosting family and friends. The beautifully landscaped backyard is enhanced by vibrant crepe myrtles in full bloom, creating a colorful and peaceful outdoor retreat. The spacious primary suite easily accommodates king-sized furnishings and offers a private ensuite bath complete with dual vanities, a soaking tub, separate walk-in shower, and private water closet.
A split-bedroom floor plan provides added privacy, while the secondary bedrooms offer generous closet space and convenient access to the hall bath. The laundry room is conveniently located adjacent to the primary suite and includes attractive wood cabinetry for additional storage. The oversized two-car garage features upgraded flooring and is equipped with an electric vehicle charging outlet.
Outdoor enthusiasts will love the area's abundance of recreational opportunities. Golfers can enjoy numerous nearby public golf courses, while boaters and anglers will appreciate the many public boat launches just minutes away. A nearby neighborhood park offers something for everyone, including a children's playground, basketball court, and a scenic paved walking trail surrounding the pond.
This exceptional property perfectly combines modern convenience, functional design, and an unbeatable location. Whether you are looking for a peaceful retreat or a home designed for entertaining, this Majestic Oaks gem is a rare find on the Emerald Coast. Schedule your private tour today to experience everything this home and community have to offer!
All 53 photos
Description provided by Coldwell Banker Realty 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 MAJESTIC OAKS
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.
Newest listings in Fort Walton Beach
- 3 Ipswich Circle, Fort Walton Beach · $475,000 · 4 bd / 2.5 ba · listed September 29, 2026 (courtesy of Realty ONE Group Emerald Coast)
- 101 NW Destin Drive, Fort Walton Beach · $374,000 · 4 bd / 2.0 ba · listed September 29, 2026 (courtesy of Coastal Realty Services)
- 1322 Miracle Strip Parkway #307, Fort Walton Beach · $590,000 · 2 bd / 2.0 ba · listed September 28, 2026 (courtesy of 850 Properties - Santa Rosa Beach)
- 217 NE Yacht Club Drive, Fort Walton Beach · $2,200,000 · 4 bd / 2.5 ba · listed September 28, 2026 (courtesy of Livin Right Real Estate LLC)
- 938 Claeven Circle, Fort Walton Beach · $329,900 · 3 bd / 2.0 ba · listed September 27, 2026 (courtesy of Bay Living Inc)
- 371 NW Oakland Circle, Fort Walton Beach · $260,000 · 3 bd / 1.5 ba · listed September 27, 2026 (courtesy of RE/MAX Gulf Coast Realty)
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; confirm exact elevation with a survey.
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; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Coldwell Banker Realty · MLS # 1007331
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Recent sales activity in MAJESTIC OAKS
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 MAJESTIC OAKS 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 MAJESTIC OAKS
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.
Just listed: new homes for sale in the Emerald Coast in the last 48 hours · updated hourly · RSS · The Emerald Coast market today: new listings, price cuts, pendings
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
Items worth confirming for 2335 Cummings Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2015: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Okaloosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $5,774/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed hourly (last: September 30, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 20, 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 Emerald Coast MLS 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
How big is 2335 Cummings Drive and when was it built?
Per the listing record, 2335 Cummings Drive was built in 2015 and has 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2335 Cummings Drive in?
2335 Cummings Drive is in Majestic Oaks in Fort Walton Beach, Okaloosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Majestic Oaks from the same MLS data.
Why might property taxes on 2335 Cummings Drive differ from the current owner's?
The estimate on this page (about $5,774 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 2335 Cummings Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 2335 Cummings Drive in person
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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.
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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.