5528 Frontier Drive, Crestview, FL 32536
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 18, 2026, 5528 Frontier Drive in Colony Ridge Ph Ii, Crestview is listed at $649,995. That is 21% above Colony Ridge Ph Ii's median closed sale of $535,620 over the last 12 months (4 recorded sales). It came to market within the past week. Listing facts: built in 2013. 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 2013 · 13 yrs
- 2-car garage
- New to market
About this home
ENTERTAINER'S DREAM IN A GATED COMMUNITY! This exceptional home was a 2013 Parade of Homes entry and is designed for those who love to entertain while offering the perfect balance of comfort and style. From the inviting layout to the impressive entertaining spaces, every detail creates an ideal setting for hosting family gatherings, holiday celebrations, or relaxing evenings with friends.
The backyard is truly ONE OF A KIND and is sure to impress! Enjoy your own private oasis featuring a sparkling in-ground Gunite pool with a sun shelf, a custom-covered gazebo complete with an outdoor kitchen, TV, an outdoor shower and a full-size sand volleyball court WITH LIGHTING for endless fun day or night. Green thumbs will appreciate the greenhouse and garden area, while the storage building provides plenty of room for tools and equipment.
For added peace of mind, the home is also equipped with a whole-home generator connection and an in-ground sprinkler system. The chef's dream kitchen is as functional as it is stunning, featuring newer stainless-steel appliances, including a commercial-style Electrolux refrigerator, granite countertops, a beautiful custom tile backsplash, a walk-in pantry, and a spacious island topped with a beautiful live-edge wood countertop. Completing this incredible space is a breathtaking hand-stained tongue-and-groove wood ceiling, adding warmth, character, and a truly custom touch that makes this kitchen the heart of the home.
Retreat to the luxurious primary suite, where a beautiful tray ceiling with recessed lighting creates a warm and inviting atmosphere. The spa-inspired ensuite bathroom is thoughtfully designed with his-and-her walk-in closets, separate granite-topped vanities, and a jetted soaking tub with a separate walk-in shower, providing both comfort and functionality for everyday living. The large office is a versatile space that can easily serve as a home office, media room, or flex space.
It features a beautiful brick electric fireplace with two windows overlooking the backyard and a 120-inch theater-style pull-down projector screen, making it the perfect place to work by day and enjoy movie nights or the big game in the evening. The front bedroom showcases a stunning custom double sliding barn door, adding rustic charm and character while creating a unique architectural focal point. Adding to the home's incredible value and efficiency, it is equipped with owned solar panels that will be paid off at closing, allowing the new owners to enjoy the benefits without assuming the cost.
As an added bonus, the current owners report an average monthly electric bill of just $30-$45 monthly providing exceptional long-term energy savings. Whether you're hosting unforgettable summer pool parties, watching the big game outdoors, or enjoying quiet evenings under the gazebo, this incredible property offers something for everyone. With exceptional indoor and outdoor living spaces, this one-of-a-kind home is designed to impress at every turn.
Don't miss your opportunity to own this entertainer's dream--schedule your private showing today!
All 30 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
Estimated monthly payment
- Principal & interest $3,600/mo 82%
- Taxes $569/mo 13%
- Insurance $230/mo 5%
$4,399/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
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.
Okaloosa County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
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.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2013BuiltPer public record
- Aug 4, 2026First seen on movewithmomentum.comObserved at $649,995
- Oct 7, 2026Price cut$599,995 (-$50,000, -7.7%)
- Oct 7, 2026Price increase$649,995 (+$50,000, +8.3%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Price & listing history
Building permits
Comparable recent sales
No closed sales of a similar home within about 10 miles in Okaloosa County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for COLONY RIDGE PH II. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Property Score
60/100 is solid, mid-pack 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.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
60% of homes in COLONY RIDGE PH II are owner-occupied. An estimated 40% are non-owner-occupied, including 2% held in a company or trust and 0% 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), 31 homes matched. Community-level context.
Recent COLONY RIDGE PH II sales closed near 100.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Emerald Coast MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in COLONY RIDGE PH II, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 18, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Coldwell Banker Realty · MLS # 1008380
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Similar homes for sale near COLONY RIDGE PH II
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.
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- 201 Country Club Drive, Crestview · $335,000 · 3 bd / 2.0 ba · listed October 15, 2026 (courtesy of Blackwater Real Estate LLC)
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More on COLONY RIDGE PH II
Go deeper on COLONY RIDGE PH II
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 →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 5528 Frontier Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2013: 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 $6,825/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Emerald Coast MLS, checked against the MLS hourly (last: October 18, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Okaloosa County — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| 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 5528 Frontier Drive and when was it built?
Per the listing record, 5528 Frontier Drive was built in 2013 and has 4 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5528 Frontier Drive in?
5528 Frontier Drive is in Colony Ridge Ph Ii in Crestview, Okaloosa County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 5528 Frontier Drive differ from the current owner's?
The estimate on this page (about $6,825 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 5528 Frontier 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 5528 Frontier 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.