Everwood Subdivision - Crestview, FL Real Estate Data

Everwood Quick Stats

Metric	Data
Development Size	Small (approximately 10-15 homes)
Year Built	2011-2020
Price Range	$385,000 - $460,000
Median Price	~$420,000 (estimate based on recent sales)
Home Size Range	2,050 - 2,868 sq ft
Typical Lot Size	0.25 - 0.26 acres (approximately 11,000 sq ft)
Bedrooms/Bathrooms	4 BR / 2-3.5 BA
HOA Fees	$0 - No HOA
Community Amenities	None (no HOA)
Zip Code	32536

What is Everwood subdivision?

Everwood is a small, exclusive North Crestview subdivision featuring approximately 10-15 custom Craftsman-style homes built between 2011-2020. Located off Lake Silver Road (Highway 85 North to Lake Silver, across from Dorchester Place), Everwood represents newer construction quality without the density of large-scale developments.

The subdivision's defining characteristic: No HOA. Homeowners enjoy complete freedom over exterior modifications, vehicles, and property use while avoiding monthly fees. Homes sit on 0.25-0.26 acre lots with cul-de-sac orientation providing privacy and limited through-traffic.

Everwood appeals to buyers seeking: (1) newer construction (post-2010), (2) custom features and quality finishes, (3) freedom from HOA restrictions, and (4) established North Crestview school zones without older home maintenance issues.

How much do Everwood homes cost?

As of February 2026, Everwood homes command $385,000 to $460,000 based on size, features, and condition. The small inventory (10-15 total homes) creates scarcity premium versus larger subdivisions.

Recent sales data (2022-2023):

• 2,050 sq ft (4 BR/2 BA, built 2020): $385,000 (January 2023)

• 2,510 sq ft (4 BR/2.5 BA, built 2013): $385,000 (listed November 2022)

• 2,742 sq ft (4 BR/3.5 BA, built 2011): $457,500 (July 2022)

• 2,868 sq ft (estimated): $450,000-$475,000 range

Price per square foot averages $165-$175, slightly above Crestview median ($169-$172) reflecting newer construction, custom features, and no HOA advantage. Homes built 2018-2020 typically price at higher end ($180-$190/sq ft) due to modern energy efficiency and turnkey condition.

Is Everwood compatible with military BAH?

Yes - for O-3 and above.

E-7 with dependents ($2,706/month = $324,720 annually): Entry-level Everwood homes ($385K) exceed E-7 BAH by $60K+. Requires significant down payment or dual income. Not recommended for single-income E-7 families.

O-3 with dependents ($3,030/month = $363,600 annually): Moderate fit. O-3 BAH covers lower Everwood inventory ($385K-$400K) with out-of-pocket $21K-$36K using VA loan.Monthly mortgage ($2,900-$3,100) exceeds BAH by $70-$270.

O-4 with dependents ($3,216/month = $385,920 annually): Strong fit. O-4 BAH aligns with Everwood pricing ($385K-$400K range). Mid-tier homes comfortable within budget.

O-5 with dependents ($3,342/month = $401,040 annually): Excellent fit. O-5 BAH covers entire Everwood range including upper-tier $450K+ homes.

BAH Calculation Example (O-4):

• Home Price: $400,000

• VA Loan (0% down): $400,000 financed

• Estimated Monthly Payment: ~$3,300 (includes property tax ~$250/month, insurance ~$200/month, no HOA)

• O-4 BAH: $3,216/month

• Out-of-Pocket: ~$84/month

Key Consideration: Everwood's no HOA saves $75-$150/month versus comparable subdivisions, effectively increasing buying power by $9K-$18K annually.

What schools serve Everwood?

Everwood falls within 32536 zip code North Crestview school zones:

Elementary School: Bob Sikes Elementary School - 6/10 (GreatSchools)

• Address: 425 Adams Drive, Crestview FL 32536

• Enrollment: 813 students

• NOTE: Lower rated than Antioch Elementary (8/10). Families prioritizing top elementary schools may prefer subdivisions in Antioch zone.

Middle School: Davidson Middle School - 7/10 (GreatSchools)

• Address: 6261 Old Bethel Road, Crestview FL 32536

• Enrollment: 1,154 students

• Solid middle school option

High School: Crestview High School - 4/10 (GreatSchools), B+ (Niche)

• Graduation Rate: 97%

• Strong Career & Technical Education programs

School Zone Trade-Off: Everwood sacrifices top elementary school rating (Bob Sikes 6/10 vs Antioch 8/10) in exchange for newer construction, no HOA, and Lake Silver Road location. Families with elementary-age children should weigh school priority versus home features.

How far is Everwood from Eglin AFB and Duke Field?

Location: Lake Silver Road off Highway 85, North Crestview

Eglin Air Force Base Main Gate: 26-28 miles, 28-40 minute commute

• Route: South on Highway 85 to FL-85 S

• Slightly shorter than Liberty Oaks/Silver Oaks due to Lake Silver Road location

• Traffic: Add 10-15 minutes during summer tourist season

Duke Field (Eglin Auxiliary Field #3): 7-9 miles, 20-25 minute commute

• Route: South on Highway 85

• Good access for 7th Special Forces Group personnel

Hurlburt Field: 35-38 miles, 60-70 minute commute

• Not recommended for daily commute

Commute Notes: Everwood's Lake Silver Road location provides fastest North Crestview access to Highway 85 versus subdivisions farther west. Shaves 3-5 minutes off typical North Crestview commutes.

What are typical Everwood home features?

Construction Quality (2011-2020 builds):

• Craftsman architectural style (signature look)

• Brick and cement fiber Hardiboard exteriors

• Dimensional shingle roofs with ridge vents

• Slab foundations

• Modern building codes and energy efficiency

• Double-pane windows standard

• Heat pump HVAC systems

Standard Features:

• 2,050-2,868 square feet

• 4 bedrooms, 2-3.5 bathrooms

• 2-car garages

• Open-concept floor plans

• Split bedroom layouts

• 9-10 ft ceilings, many with tray ceilings

• Granite or quartz countertops

• Custom cabinetry with soft-close drawers

• Stainless steel appliances

• Walk-in pantries

• Large master suites with walk-in closets

Premium Features (common in upper-tier homes):

• Gas fireplaces

• Outdoor living areas with covered patios

• Outdoor kitchens and fireplaces

• Triple sliding glass doors

• Surround sound pre-wiring

• Jetted soaking tubs

• Dual vanities in master bath

• Tile showers with rainfall heads

• Custom built-ins and shelving

• Irrigation systems

Lot Characteristics:

• 0.25-0.26 acres (10,900-11,300 sq ft)

• Cul-de-sac locations (Claybourne Cove)

• Level lots, well-draining

• Mature trees preserved during construction

• Corner lots available

• Room for pools, workshops, outdoor living

Utilities:

• Community water (public)

• Septic tanks (not city sewer)

• Electric service

• Propane gas service (tanks on property)

• Cable/internet available

Why Everwood Has No HOA

Everwood was developed without mandatory homeowners association - a deliberate design choice differentiating it from most modern subdivisions. This provides:

Financial Benefits:

• $0/month HOA fees = $900-$1,800/year savings versus comparable subdivisions

• No HOA dues increases to worry about

• No special assessments for community repairs

Lifestyle Benefits:

• Park RVs, boats, trailers on property (verify county ordinances)

• Modify exteriors without approval (paint colors, landscaping, additions)

• Install sheds, workshops, fences without architectural review

• Business vehicles allowed

• No restrictions on rentals or short-term leasing

Considerations:

• No community pool, clubhouse, or amenities

• No collective landscaping at entrance

• Homeowners self-maintain all property aspects

• No HOA enforcement of neighborhood standards (relies on county codes)

Best For: Military families wanting flexibility for PCS rentals, contractors needing equipment storage, families with recreational vehicles, buyers avoiding monthly fees.

Everwood for Military Families

PCS Resale Considerations:

Everwood presents unique resale dynamics due to small inventory (10-15 homes) and no HOA. Limited sales data creates pricing uncertainty but also scarcity value.

Positive Resale Factors:

• Newer construction (2011-2020) attracts buyers avoiding maintenance

• No HOA = broadens buyer pool (appeals to those avoiding fees)

• Craftsman style and custom features create differentiation

• Lake Silver Road location = convenient Highway 85 access

• Established subdivision (not speculative new development)

Challenges:

• Higher price point ($385K-$460K) limits buyer pool to O-3+ primarily

• Bob Sikes Elementary (6/10) less attractive than Antioch Elementary (8/10) subdivisions

• Small inventory means fewer comparable sales (appraisal challenges)

• Septic tanks may concern some buyers (though properly maintained systems are fine)

VA Loan Appraisal: Everwood homes typically appraise reliably when priced using recent sales comps from the subdivision itself plus comparable North Crestview homes (2,000-3,000 sq ft, 2010+ builds). Appraisers recognize no HOA as positive value factor. Septic systems must be inspected and certified for VA loans.

Recommended For:

• O-3 through O-5 seeking newer home without HOA

• Officers wanting rental flexibility (no HOA rental restrictions)

• Families with RVs, boats, or workshop needs

• Buyers planning 5+ year stay (longer hold justifies premium)

Not Ideal For:

• E-6/E-7 on tight BAH budgets

• Families prioritizing top-rated elementary schools

• PCS personnel expecting 2-3 year rotations (market liquidity risk)

• Buyers wanting community amenities (pool, clubhouse)

Everwood for 50+ Downsizers

Single-Story Availability: HIGH

Based on available data, approximately 70-80% of Everwood homes are single-story, significantly higher than typical subdivisions. This reflects custom-build nature and Craftsman style preference during 2011-2020 development period.

Typical Single-Story Specs:

• 2,050-2,742 sq ft

• 4 BR / 2-3.5 BA

• Split floor plan with master separation

• Open-concept living/dining/kitchen

• 2-car attached garage

• Price Range: $385K-$460K

Why Everwood Appeals to 50+ Buyers:

Quality & Age:

• 2011-2020 construction = modern systems, energy efficiency

• Minimal maintenance needed short-term

• Contemporary floor plans avoid dated layouts

• Craftsman style timeless (won't feel dated)

No HOA Freedom:

• No monthly fees on fixed income

• Modify property as health needs change (ramps, grab bars)

• No busybody neighbors reporting violations

• Control own landscaping (hire help or DIY)

Spacious Lots:

• 0.25-acre lots provide privacy from neighbors

• Garden space without stepping on others

• Room for golf cart storage

• Quiet cul-de-sac reduces traffic noise

Single-Level Living:

• High availability of ranch-style homes

• Avoid stairs entirely

• Easier aging-in-place

• Wheelchair accessible if needed

Downsizer Considerations:

Pros:

• Newer homes = less immediate maintenance

• No HOA fees = budget predictability

• Privacy and space versus 55+ condo living

• Can host family visits (4 bedrooms)

• Strong resale if health forces move

Cons:

• Self-maintained yards (must hire help or DIY)

• Larger homes = higher utility costs than condos

• No community center or organized activities

• Healthcare facilities 10-12 minutes drive

• Septic systems require pumping every 3-5 years ($200-$400)

Better For: Active 50+ downsizers comfortable with home ownership responsibilities, seeking quality and privacy

Not Ideal For: Buyers wanting turnkey maintenance-free lifestyle with included services

Common Questions About Everwood

Q: How many homes are in Everwood subdivision?

A: Everwood contains approximately 10-15 total homes, making it one of Crestview's smallest subdivisions. Primary street is Claybourne Cove (cul-de-sac). This creates exclusive feel but limited resale comparables.

Q: Does Everwood have any HOA at all?

A: No. Everwood has zero HOA, no community association, and no mandatory fees. Homeowners have complete freedom over property decisions within county code limits.

Q: What does no HOA mean for property maintenance?

A: Each homeowner maintains their own property including lawn, landscaping, exterior, roof, and driveway. No community standards enforcement except county ordinances. Neighbors generally maintain properties well based on observation.

Q: Can I rent my Everwood home on Airbnb or long-term?

A: Yes. No HOA means no rental restrictions. Verify Okaloosa County short-term rental regulations, but subdivision imposes zero restrictions.

Q: Why are Everwood homes more expensive than similar-sized homes in other subdivisions?

A: Everwood premium reflects: (1) newer construction (2011-2020 vs 2000s-2010s elsewhere), (2) custom features and upgrades, (3) no HOA saves $900-$1,800/year, (4) scarcity (only 10-15 homes total), (5) Craftsman architectural quality.

Q: What are the downsides of septic versus city sewer?

A: Septic tanks require pumping every 3-5 years ($200-$400). Properly maintained septic systems work reliably for 20-30+ years. VA loans require septic inspection. Upside: no city sewer fees ($30-$50/month savings). Everwood uses modern septic systems meeting current codes.

Q: How does Everwood compare to Liberty Oaks and Silver Oaks?

A: Everwood: newer builds (2011-2020), higher prices ($385K-$460K), no HOA, smaller subdivision (10-15 homes), Bob Sikes Elementary (6/10). Liberty Oaks: mid-range pricing ($280K-$360K), HOA fees, larger subdivision (71 lots), Antioch Elementary (8/10). Silver Oaks: largest lots (0.41 acres), 1990s-2000s builds, low HOA ($31/month), Antioch Elementary (8/10).

Q: Are there any homes currently for sale in Everwood?

A: Due to small size (10-15 homes total), Everwood inventory is extremely limited. Homes typically sell within 30-60 days when listed. Check MLS for current availability or request buyer alerts from local agents.

Q: What's the property tax rate in Everwood?

A: Okaloosa County effective rate approximately 0.8-0.9% of assessed value. Example: $400,000 home = ~$3,200-$3,600/year property tax. Florida has no state income tax.

Everwood vs. Other Crestview Subdivisions

Feature	Everwood	Liberty Oaks	Silver Oaks	Holley Grove
Price Range	$385K-$460K	$280K-$360K	$300K-$400K	$295K-$350K
Year Built	2011-2020	2000s-2010s	1990s-2000s	2020s (new)
Lot Size	0.25-0.26 ac	0.25-0.30 ac	0.41 ac	0.15-0.22 ac
HOA/Month	$0	$50-$100	~$31	$100-$150
Elementary	Bob Sikes (6/10)	Antioch (8/10)	Antioch (8/10)	Riverside (5/10)
Size	10-15 homes	71 lots	Multiple phases	Active development
Style	Craftsman custom	Traditional mix	All brick	Modern production
Best For	O-3+, no HOA seekers	E-6/O-3 families	Space & privacy	New build warranty

Why Everwood Works

Everwood delivers custom home quality in small, exclusive subdivision without mandatory HOA fees or community restrictions. The 2011-2020 construction timeline means buyers get modern systems and energy efficiency without paying brand-new premium.

Buy Everwood if you:

• Have O-3+ BAH comfortable with $385K-$460K pricing

• Value no HOA freedom over community amenities

• Want newer construction (post-2010) avoiding older home issues

• Appreciate Craftsman architectural style

• Need 4-bedroom floor plan with 2,000-2,800+ sq ft

• Plan to rent property during PCS (no HOA restrictions)

• Seek single-story home (70-80% availability)

Consider alternatives if you:

• Have E-6/E-7 BAH requiring lower pricing

• Prioritize top elementary school (Antioch 8/10 vs Bob Sikes 6/10)

• Want community pool, clubhouse, organized activities

• Prefer city sewer over septic tanks

• Need guaranteed high resale liquidity (small subdivision = limited comps)

• Want larger lots (Silver Oaks offers 0.41 acres)

Investment Perspective: Everwood's small size (10-15 homes) creates exclusivity value. Limited inventory means infrequent sales, which can slow market absorption but also prevents price erosion during downturns. Best suited for buyers planning 5+ year holds who value quality and freedom over quick resale liquidity.

Data Sources: Redfin, Coldwell Banker, Compass, BEX Realty (MLS listings 2022-2023), Okaloosa County property records, GreatSchools.org (school ratings), LoopNet (parcel data).

Last Updated: February 2026

Ready for the next subdivision!