Crosswinds
Homes for Sale in Fort Walton Beach, FL
All 405 homes for sale in Fort Walton Beach, FL · median $389,999 · 140 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
Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $395,000, a median 8 days on market, sellers accepting 99% of original asking. Homes listed or recently sold were built 1991–1994; none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 53 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $5,090 ($4,580 with the full homestead exemption).
Crosswinds 2nd Addn is a small pocket in Fort Walton Beach with almost nothing on the market right now — a single active listing as of late July 2026. With inventory this thin, no headline number tells the story; price here is driven by the individual home, its condition, and how motivated the one seller happens to be, not by any broad market trend.
For a buyer, that means patience and readiness: when a home fits, you may be negotiating against limited comparable data rather than a deep pool of choices. For a seller, the scarcity can work in your favor, but with so few closings to point to, pricing has to be built from the specifics of your home rather than assumed from the neighborhood.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside CROSSWINDS 2ND 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
Crosswinds market snapshot (as of September 20, 2026): the median sale price is about $395K, and a median 9 days on market for closed sales.
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.
Crosswinds is a community of 36 homes in Fort Walton Beach, Okaloosa County, built between 1991 and 1995 (median 1993.0), with a median living area of about 2,301 square feet. 64% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Crosswinds 2nd Addn is a compact residential subdivision in Fort Walton Beach, Okaloosa County, that trades quietly — the kind of place where availability, not amenities, defines the opportunity.
The setting & the homes.
Aerial and on-site photos of Crosswinds. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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CrosswindsPhotos from Emerald Coast MLS listings in Crosswinds; content deemed reliable but not guaranteed.
Who Crosswinds is best for.
Best for
- Buyers targeting Fort Walton Beach who can stay patient until the right listing appears
- Buyers comfortable making a decision on a single home rather than comparing many at once
- Sellers who want pricing built from their home's condition rather than an assumed neighborhood number
Probably not for
- Buyers who need amenities like a pool, clubhouse, or gated entry
- Buyers who want several homes to tour and compare on the same weekend
- Buyers on a strict timeline who can't wait for limited inventory to turn over
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($395K) IS the median in the snapshot above.
Windows contain 0 to 4 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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 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.
27% of homes for sale in ZIP 32547 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-20).
Crosswinds Market Scorecard
Crosswinds is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Emerald Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Crosswinds on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap contributors.
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 thin-inventory pocket
There are no community amenities identified from current MLS listings here, so this is a location-and-home story rather than an amenity story. What you're buying is the house itself and its position within Fort Walton Beach — not a clubhouse, pool, or gated entry.
With just one active listing and a short recent closing window, there is very little to triangulate against. That cuts both ways: it keeps competition low for a well-prepared buyer, but it also means both sides have to lean hard on condition and direct comparison to nearby streets to land on a fair number.
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, the data won't hand you a price — the analysis has to be built home by home. We work the specifics: condition, recent nearby closings, and the reality of a market with one active listing, so you're not guessing on either side of the deal.
Crosswinds in 15 seconds.
Email me new listings in CrosswindsHomes for Sale
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about CrosswindsHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works CrosswindsHomes for Sale will answer, and the answer is published on this page for the next buyer.
What it really costs to own in CrosswindsHomes for Sale
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $3,610/yr across 4 listings here (MLS tax records, 2026-10-20). |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Okaloosa County is $2,644/yr (1,101 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1992 across 4 listings. An original roof here would be about 34 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
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 →
Recently off market in CROSSWINDS 2ND ADDN
Homes in CROSSWINDS 2ND ADDN that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 1911 W Mistral Lane · off market
- 1912 Mistral Lane · off market
| Location | Fort Walton Beach, Okaloosa County, FL · ZIP 32547 |
|---|---|
| Homes in the community | 36 (FL DOR 2025 assessment roll) |
| Years built | 1991–1995 (median 1993.0) |
| Typical living area | 2,301 sq ft (median) |
| Sale prices, last 12 months | $395,000 median across 4 closed sales |
| Days on market (closed sales) | 8 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 64% |
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 key facts,” movewithmomentum.com/neighborhoods/crosswinds-2nd-addn, data as of September 20, 2026.
Housing distress & ownership in CROSSWINDS 2ND 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.
Recently sold in Crosswinds 2Nd Addn
- 1911 W Mistral Lane · sold $410,000
- 1912 Mistral Lane · sold $469,900
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Fort Walton Beach home searches
- All homes for sale in Fort Walton Beach, FL
- Homes for sale in Okaloosa County, FL
- Fort Walton Beach waterfront homes for sale
- Gated communities in Fort Walton Beach
- Homes under $300K in Fort Walton Beach
- Homes from $300K to $500K in Fort Walton Beach
- 4-bedroom homes for sale in Fort Walton Beach
- Fort Walton Beach home values: what is my house worth?
- ZIP 32547 housing scorecard
- 2 coming-soon communities in Okaloosa County
Fort Walton Beach guides & data
- Market data
- Property taxes (Okaloosa County)
- Homestead exemption (Okaloosa County)
- Home insurance cost
- New construction
- New construction (Okaloosa County)
- ZIP codes
- Home builders (Okaloosa County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
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Frequently Asked Questions
What is the median home price in Crosswinds?
How long do homes in Crosswinds take to sell?
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 19, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32547)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1996 (26 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 2ND ADDN fits the bigger picture — live prices, inventory, and Momentum Scores:
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