Crosswinds
Homes for Sale in Fort Walton Beach, FL
All 414 homes for sale in Fort Walton Beach, FL · median $398,000 · 149 homes for sale in 32547 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, the MLS records 36 closed sales in Crosswinds 1ST Addn in Fort Walton Beach, FL since 1993, the most recent in December 2025. Across Fort Walton Beach as a whole, 287 homes closed in the last 12 months at a median of $357,612, 39 median days on market, with 99 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,610 ($4,100 with the full homestead exemption).
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32547 |
|---|---|
| Homes in the community | 54 (FL DOR 2025 assessment roll) |
| Years built | 1988–1995 (median 1992.0) |
| Typical living area | 2,302 sq ft (median) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 65% |
Data as of September 20, 2026. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “CROSSWINDS 1ST ADDN key facts,” movewithmomentum.com/neighborhoods/crosswinds-1st-addn, data as of September 20, 2026.
Crosswinds 1st Addn is a compact, established pocket of 78 homes built between 1986 and 1995, with a median living area right around 2,222 square feet. There is no price range in the data here, so the honest read is that value in this subdivision is driven by condition and updates rather than by a tidy per-square-foot rule. A house that has been reworked over the years will command a very different figure than one still wearing its original finishes, even at similar square footage.
With homes clustered in a narrow age band and no community amenities carrying the sales pitch, the market posture is straightforward: buyers are pricing the house itself. For sellers, that means presentation and mechanical condition do the heavy lifting. For buyers, it means you can often find room to negotiate on a property that needs work, and you should budget for updates typical of homes of this vintage.
Nearby homes for sale
No active listings inside CROSSWINDS 1ST ADDN right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
A small, fully built-out subdivision in Fort Walton Beach where roughly two-thirds of homes are homesteaded, signaling an owner-occupied core rather than a heavy rental or churn market.
Emerald Coast MLS sales records identify 60 homes in CROSSWINDS that have changed hands since 2001, built between 1986 and 1995 (median 1990), with a median living area of about 1,866 sq ft and a typical 3-bedroom, 2.5-bath layout; 100% are single-family homes. Source: Emerald Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 4 qualified sales in CROSSWINDS across 2024–2025 (2 in 2024, 2 in 2025), median $445,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Crosswinds is best for.
Best for
- Buyers seeking a settled, owner-occupied neighborhood in Fort Walton Beach with mid-sized homes
- Renovation-minded buyers willing to update a vintage home in exchange for negotiating room
- Long-term owner-occupants who value stability over resort-style amenities
Probably not for
- Buyers who require community amenities such as a pool, clubhouse, or gated entry
- Buyers wanting new construction or homes with fully modern systems and no update work
- Investors seeking a high-turnover rental block, given the strong owner-occupied share
The market around Crosswinds
Crosswinds is too small for its own price trend, so here is the market around it.
In ZIP 32547, 198 homes are on the market and 27% are under contract — a steady corner of Fort Walton Beach.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
In ZIP 32547 (Fort Walton Beach), 385 homes closed in the last 12 months at a median of $337K ($136/sq ft), up 12.1% year over year, with a median 38 days on market. Right now 107 active and 39 pending listings put supply at about 4.0 months — a healthy market. See the live ZIP 32547 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Crosswinds specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in CROSSWINDS 1ST ADDN, Fort Walton Beach
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The Crosswinds buying strategy.
If we were buying in Crosswinds today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Crosswinds.
A condition-driven resale market
The defining feature of Crosswinds 1st Addn is its consistency: 78 homes, all built within a decade of each other, with a median size of about 2,222 square feet. That uniformity makes comparables easier to reason about, but it also means the spread in outcomes comes almost entirely from how each individual home has been maintained and updated. Roof age, HVAC, kitchens, and baths are where the money and the negotiation live in a neighborhood of this era.
A homestead share of roughly 65 percent points to a stable, owner-occupied base rather than an investor-dominated block. There are no community amenities identified from current MLS listings, so buyers drawn here are buying the house and the location, not a pool or gated entry. Price your expectations accordingly and inspect thoroughly.
The location and the amenities are priced into every listing in Crosswinds. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a subdivision this small and this uniform in age, the winning strategy is disciplined comparison and honest condition assessment. We will walk you through what a given home's updates are actually worth against its neighbors, flag the vintage-era items that drive repair budgets, and price or negotiate from the specifics rather than a generic square-foot number.
Crosswinds in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Crosswinds buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Crosswinds sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Crosswinds, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Crosswinds home worth?
Get a no-obligation home value based on real comparable sales in Crosswinds, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Fort Walton Beach →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Okaloosa County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Okaloosa County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Frequently Asked Questions
How many homes are in Crosswinds?
What share of Crosswinds is owner-occupied?
When were the homes in Crosswinds built?
Who is the best real estate agent for Crosswinds?
How do I find a top Fort Walton Beach real estate agent who knows Crosswinds?
Can Momentum Realty connect me with an agent for Crosswinds?
Where is Crosswinds, and what county is it in?
Should you buy in Crosswinds?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32547)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1993 (36 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Emerald Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how CROSSWINDS 1ST ADDN fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Crosswinds with Momentum Realty’s local guides.