Crosswinds Homes for Sale

Living in Crosswinds

Okaloosa County does not record Crosswinds as one subdivision. The original Crosswinds (subdivision 97, parcel numbers beginning 34-1S-24-0597) has 59 single-family lots; Crosswinds 1st Add (subdivision 96, prefix 0599) has 40 single-family lots and two common-area parcels; Crosswinds 2nd Add (subdivision 103, prefix 0605) has 23 single-family lots and one more parcel without a house. That is 122 single-family lots behind the name, not the 59 the original record alone suggests.

Building years on the roll run from 1986 to 1988 in the original, 1988 to 1994 in the 1st addition and 1991 to 1995 in the 2nd; original lots measure 0.09 to 0.20 acre. County address records use Mariah Way (35 lots), Ariel Lane (17) and Ariel Court (7) in the original, Scirocco Loop and Mistral Lane in the 1st addition and Mistral Lane in the 2nd. All of them branch from the through street named Crosswinds Landing, which the county's road map runs out to Lewis Turner Boulevard; ten 1st-addition address records carry that name too, though the Crosswinds Landing community is a separate subdivision, so a street name alone does not identify one. The county's city-limits map leaves all three records in unincorporated ground, whatever their Fort Walton Beach 32547 mailing label says. The zoning district is R-2, a medium density housing class in the county's land development code (Municode copy last updated December 2, 2025) that lets townhomes, small multifamily buildings and manufactured homes stand beside detached houses.

Flood hazard differs between the records. All 59 original lots touch only Zone X, minimal flood hazard. In the additions, Zone A, a special flood hazard area, touches the outlines of 13 of the 40 single-family lots in the 1st and 6 of the 23 in the 2nd on the county's flood layer, plus all three common-area parcels; FEMA's national layer, drawn slightly differently, touches 12 and 5 of those lots. A point inside each of the 19 lots reads Zone X, and by sampling no lot has more than about a tenth of its ground in Zone A, so check the map at the exact address. The Zone A ground sits mostly on the two parcels the roll calls common areas, four-fifths or more of each, where federal elevation data read about 49 and 50 feet above sea level against about 50 to 57 on the additions' lots and 55 to 59 on the original ones. The county layer shows no base flood elevation for it (checked October 3, 2026).

Street ownership is the other thing to check. The roll gives both additions one 2.30 acre parcel labelled private right of ways, owned under the name Crosswinds Homeowners Assc; the county's street lines for Mistral Lane, Scirocco Loop and about 800 feet of Crosswinds Landing run inside it, yet the county's road layer lists those streets under the county's own name. The original section has no road parcel. With the two county records at odds, who owns and upkeeps the additions' streets is unresolved here. Crosswinds Homeowner's Association of Ft. Walton Beach, Inc. is an active nonprofit in Florida's corporation records, filed December 26, 1985, and its principal address is on Scirocco Loop; the entry does not say which sections it covers, and dues and rules are not in these records.

A listing search saved September 24, 2026 combined four listing labels (Crosswinds, Crosswinds 2nd Addn, Crosswinds 1st Addn and Crosswinds 1st Add) and counted one active and 46 sold homes in Fort Walton Beach, with closings from March 8, 2016 through August 17, 2026. That is 46 sales over about ten years against 122 lots, and it reflects that day, not today.