Silver Oaks Subdivision - Crestview, FL Real Estate Data

Meta Description: Silver Oaks Crestview FL: 0.41-acre wooded lots (90'x200'), homes 1,800-4,000 sq ft, $300K-$400K, community pool, Antioch Elementary (8/10). Updated February 2026.

Silver Oaks Quick Stats

Metric	Data
Development Phases	Phase 1 (established) + Phase 2
Year Built	1990s-2000s
Price Range	$300,000 - $400,000
Median Price	~$350,000 (estimate)
Home Size Range	1,800 - 4,000+ sq ft
Typical Lot Size	90' x 200' (0.41 acres / 18,000 sq ft)
Bedrooms/Bathrooms	3-5 BR / 2-4 BA
HOA Fees (Phase 1)	$192/year + $175 pool fee = $367/year (~$31/month)
Community Amenities	Pool, playground, sidewalks, street lights
Zip Code	32536

What is Silver Oaks subdivision?

Silver Oaks is Crestview's premier large-lot subdivision featuring spacious all-brick homes on 0.41-acre wooded lots (90' x 200'). Developed in multiple phases starting in the 1990s, the subdivision emphasizes "country living with city convenience" - combining privacy and space with proximity to Crestview amenities.

Phase 1 represents the most established section with mature landscaping and fully developed infrastructure. The subdivision sits at the intersection of Highway 85 and Old Bethel Road (first intersection past Winn-Dixie), providing easy North Crestview access while maintaining a wooded, residential character.

Silver Oaks appeals to buyers prioritizing yard space over dense development. Lot sizes here exceed Liberty Oaks (0.25-0.30 acres) and newer South Crestview builds (0.15-0.22 acres) by 40-60%, allowing room for pools, workshops, RV parking, and outdoor living space.

How much do Silver Oaks homes cost?

As of February 2026, Silver Oaks homes list between $300,000 and $400,000 based on square footage, condition, and updates. The subdivision's larger lots command premium pricing compared to standard Crestview inventory.

Recent listing ranges (observed):

• 1,800-2,200 sq ft (3-4 BR): $300,000 - $340,000

• 2,200-2,800 sq ft (4 BR): $340,000 - $375,000

• 2,800-4,000+ sq ft (4-5 BR): $375,000 - $425,000+

Vacant lot pricing: $40,000 - $46,000 for cleared/prepared lots in Phase 1

Price per square foot averages $155-$165, slightly below Crestview overall median ($169-$172) due to older construction vintage (1990s-2000s vs 2020s new builds). However, lot value accounts for significant portion of purchase price - buyers pay premium for 18,000 sq ft of land versus typical 10,000-11,000 sq ft elsewhere.

Is Silver Oaks compatible with military BAH?

Partial compatibility - best for E-7+ and O-3+.

E-6 with dependents ($2,517/month = $302,040 annually): Entry-level Silver Oaks homes ($300K-$330K) sit at E-6 BAH ceiling. Requires $0 down VA loan and tight budget. Monthly shortfall $200-$400 between mortgage and BAH for mid-range homes.

E-7 with dependents ($2,706/month = $324,720 annually): Moderate fit. E-7 BAH covers lower-to-mid Silver Oaks inventory ($300K-$340K) with manageable out-of-pocket.

O-3 with dependents ($3,030/month = $363,600 annually): Strong fit. O-3 BAH accommodates most Silver Oaks homes including larger 2,500+ sq ft properties in $350K-$375K range.

O-4 with dependents ($3,216/month = $385,920 annually): Excellent fit. O-4 BAH covers upper-tier Silver Oaks inventory including 3,000-4,000 sq ft homes approaching $400K.

BAH Calculation Example (O-3):

• Home Price: $350,000

• VA Loan (0% down): $350,000 financed

• Estimated Monthly Payment: ~$2,900 (includes property tax, insurance, minimal HOA)

• O-3 BAH: $3,030/month

• Cushion: ~$130/month

Key Consideration: Silver Oaks targets officers and senior enlisted willing to invest in land value and long-term equityversus maximizing house square footage per dollar.

What schools serve Silver Oaks?

Silver Oaks falls within 32536 zip code, same school zones as Liberty Oaks:

Elementary School: Antioch Elementary School - 8/10 (GreatSchools)

• Address: 4700 Whitehurst Lane, Crestview FL 32536

• Enrollment: 965 students

• Top-rated elementary in Crestview

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

• Address: 6261 Old Bethel Road, Crestview FL 32536

• Enrollment: 1,154 students

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

• Graduation Rate: 97%

• Strong CTE programs

Antioch Elementary's 8/10 rating makes Silver Oaks particularly attractive to military families and professionals prioritizing elementary school quality.

How far is Silver Oaks from Eglin AFB and Duke Field?

Location: Highway 85 and Old Bethel Road intersection, North Crestview

Eglin Air Force Base Main Gate: 28-30 miles, 30-45 minute commute

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

• Traffic: Add 10-15 minutes during summer season

Duke Field (Eglin Auxiliary Field #3): 6-8 miles, 18-22 minute commute

• Route: South on Highway 85

• Minimal traffic impact

Hurlburt Field: 35-40 miles, 60-70 minute commute

• Not recommended for daily commute

Commute Comparison: Silver Oaks sits slightly farther north than Liberty Oaks, adding 2-3 minutes to Eglin commute but maintaining strong Duke Field access for 7th Special Forces Group families.

What are typical Silver Oaks home features?

Construction Quality:

• All-brick exteriors (signature feature)

• Traditional Florida residential architecture

• 1990s-2000s building standards

• Underground utilities (no overhead power lines)

• Public water and natural gas service

Standard Features (most homes):

• 1,800-4,000+ square feet

• 3-5 bedrooms, 2-4 bathrooms

• 2-3 car garages (many oversized)

• Mature landscaping (oak, pine, magnolia trees)

• Split bedroom floor plans

• Vaulted or tray ceilings

Lot Characteristics:

• 90' x 200' = 18,000 sq ft = 0.41 acres

• Wooded settings with mature trees

• High and dry (minimal flood risk)

• Room for pools, workshops, RV parking

• Some lots back to conservation areas or greenbelt

Common Upgrades Found:

• Updated kitchens (granite, stainless, custom cabinets)

• Master suite additions

• Screened lanais or outdoor living areas

• Pool installations (many properties)

• Workshop or storage buildings

• Generator hookups

Silver Oaks Community Amenities

What HOA Fees Cover (Phase 1: $367/year total):

Annual HOA Dues: $192/year

• Covers: Common area maintenance, street lights, entrance landscaping

Pool Fee: $175/year (optional)

• Access to community swimming pool

• Pool rules and seasonal hours apply

Total Monthly Cost: Approximately $31/month

Community Features:

• Swimming pool (separate fee required)

• Playground equipment

• Sidewalks throughout subdivision

• Street lighting

• Underground utilities

• Architectural review committee (exterior changes require approval)

What HOA Does NOT Cover:

• Individual lawn care and landscaping

• Home exterior maintenance

• Roof and HVAC replacement

• Pest control

Note: Phase 2 has separate HOA structure. Verify specific fees and amenities when purchasing in Phase 2 sections.

Silver Oaks for Military Families

PCS Resale Considerations:

Silver Oaks demonstrates moderate resale liquidity with average days on market 75-95 days for correctly-priced homes. Large-lot properties appeal to specific buyer segment rather than mass market.

Positive Resale Factors:

• Antioch Elementary (8/10) attracts families

• Unique lot sizes (0.41 acres) differentiate from competition

• All-brick construction = lower insurance, less maintenance

• Mature subdivision = established neighborhood feel

• Duke Field proximity (7th SFG buyer pool)

Neutral Factors:

• Higher price point ($300K-$400K) limits buyer pool to O-3+ and E-7+

• Lot size premium doesn't appeal to all military buyers (some prefer smaller maintenance)

Challenges:

• Commute to Eglin main (30-45 min) eliminates some buyers

• Older construction (1990s-2000s) means potential for deferred maintenance

• Larger homes = higher utility costs versus new construction efficiency

VA Loan Appraisal Notes: Well-maintained Silver Oaks homes typically appraise at contract price when priced using recent comps. Brick construction and large lots support value. However, homes needing significant updates (original kitchens/baths from 1990s-2000s) may face appraisal challenges if priced as turn-key.

Recommended for:

• Officers (O-3+) wanting space for families

• Senior enlisted (E-7+) planning longer stays

• Families with multiple children needing yard space

• Military members with pets or outdoor hobbies

Not ideal for:

• Junior enlisted (E-5/E-6) with tight budgets

• Single military members wanting low maintenance

• PCS families expecting frequent moves (3 years or less)

Silver Oaks for 50+ Downsizers

Single-Story Availability: Low-to-Moderate

Silver Oaks contains approximately 30-35% single-story homes, with majority being two-story due to large lot sizes enabling vertical expansion. Single-story inventory (especially 2,000-2,500 sq ft range) sells quickly to 50+ buyers and families avoiding stairs.

Typical Single-Story Specs:

• 1,800-2,400 sq ft

• 3-4 BR / 2-3 BA

• Split floor plan with master separation

• 2-3 car garage

• Price Range: $310K-$365K

Why Silver Oaks Appeals to 50+ Buyers:

Privacy and Space

• 0.41-acre lots provide buffer from neighbors

• Wooded settings reduce noise and visual density

• Room for golf carts, gardening, outdoor activities

Low HOA Costs

• $367/year ($31/month) among lowest in Crestview

• Pool access optional (can opt out if not using)

• No mandatory lawn service allows control over landscaping

Quality Construction

• All-brick exteriors = minimal maintenance, better storm resistance

• 1990s-2000s builds use quality materials before cost-cutting trends

• Larger floor plans avoid cramped modern layouts

Mature Neighborhood

• Established community with longtime residents

• No construction noise from active building

• Landscaping fully matured (shade trees, privacy screening)

Downsizer Considerations:

Pros:

• Significant space versus typical 55+ communities

• No age restrictions (welcome grandchildren visits)

• Pets allowed (check specific HOA rules)

• Room for hobbies, storage, vehicles

Cons:

• Self-maintained yards (no lawn service included)

• Larger homes = higher utility costs than condos

• No community clubhouse or organized activities

• Healthcare 10+ minutes away (not walkable)

Better For: Active 50+ buyers comfortable with home/yard maintenance, seeking space and privacy Not Ideal For:Buyers wanting maintenance-free lifestyle with included lawn care and social programming

Common Questions About Silver Oaks

Q: What makes Silver Oaks different from other Crestview subdivisions?

A: Lot size. Silver Oaks' 0.41-acre lots (18,000 sq ft) provide 40-60% more land than typical Crestview subdivisions. This allows pools, workshops, RV parking, and significant privacy. All-brick construction is also distinctive versus vinyl-sided homes elsewhere.

Q: How much are Silver Oaks HOA fees?

A: Phase 1: $192/year base + $175/year pool access (optional) = $367/year total (~$31/month). Phase 2 has separate HOA - verify fees. This is significantly lower than gated communities ($200-$400/month).

Q: Can I build a pool in Silver Oaks?

A: Yes. Many Silver Oaks homes have pools. Architectural review committee (ACA) approval required before construction. Submit plans showing pool location, fencing, equipment placement. Allow 30-45 days for approval process.

Q: Are there vacant lots available in Silver Oaks?

A: Occasionally. Vacant lots list $40K-$46K when available. Phase 1 lots often come cleared and filled, ready for construction. Check with local builders familiar with Silver Oaks for build costs ($150-$200/sq ft typical).

Q: What's the flood risk in Silver Oaks?

A: Low. Silver Oaks sits in North Crestview at higher elevation with "high and dry" lots. Most properties do not require flood insurance. Verify specific lot flood zone during due diligence.

Q: How does Silver Oaks compare to Liberty Oaks?

A: Silver Oaks offers larger lots (0.41 acres vs 0.25-0.30 acres), older construction (1990s-2000s vs 2000s-2010s), and slightly higher prices ($300K-$400K vs $280K-$360K). Both access Antioch Elementary. Silver Oaks better for buyers prioritizing land; Liberty Oaks better for newer construction.

Q: What utilities serve Silver Oaks?

A: Public water, natural gas, underground electric, city sewer. No well or septic systems. Underground utilities eliminate overhead power lines (cleaner appearance, fewer outages).

Q: Can I keep an RV or boat at my Silver Oaks home?

A: Check specific HOA rules. Many Silver Oaks homeowners park RVs/boats on their properties due to large lot sizes and side-yard access. Verify parking restrictions with HOA before purchase if this is priority.

Q: What's the property tax rate in Silver Oaks?

A: Okaloosa County effective rate approximately 0.8-0.9% of assessed value. Example: $350,000 home = ~$2,800-$3,150/year property tax. Florida has no state income tax.

Q: How long do Silver Oaks homes stay on the market?

A: Well-maintained homes priced correctly: 75-95 days. Homes needing updates or overpriced: 120-180+ days. Large-lot properties target specific buyer segment, so realistic pricing essential.

Silver Oaks vs. Other Crestview Subdivisions

Feature	Silver Oaks	Liberty Oaks	Everwood	Chanan Estates
Price Range	$300K-$400K	$280K-$360K	$285K-$370K	$380K-$500K+
Lot Size	0.41 ac (18,000 sf)	0.25-0.30 ac	0.20-0.28 ac	0.25-0.35 ac
Year Built	1990s-2000s	2000s-2010s	2000s-2010s	2010s-2020s
HOA/Month	~$31	$50-$100	$75-$125	$200-$400
Exteriors	All brick	Brick/vinyl mix	Brick/vinyl mix	Brick/stucco
Pool	Community ($175/yr)	No	No	Some homes
Gated	No	No	No	Yes
Best For	Space & privacy seekers	E-6/O-3 families	School-focused buyers	Officers, executives

Why Silver Oaks Works

Silver Oaks represents premium lot value in Crestview's established subdivision market. Buyers pay slightly more per square foot but receive 18,000 sq ft of land - room for outdoor living, privacy, and long-term flexibility unavailable in denser developments.

Buy Silver Oaks if you:

• Value lot size and privacy over maximum house square footage

• Have O-3+ or E-7+ BAH comfortable with $300K-$400K range

• Prioritize all-brick construction and quality materials

• Want mature neighborhood feel with established landscaping

• Need space for pools, workshops, RVs, or outdoor hobbies

• Appreciate low HOA costs ($31/month)

Consider alternatives if you:

• Have E-5/E-6 BAH and need tighter budget fit

• Prefer brand-new construction with builder warranties

• Want maintenance-free lifestyle with included lawn service

• Need gated community security

• Prioritize proximity to Eglin main gate over lot size

Investment Perspective: Silver Oaks' large lots provide scarcity value in growing Crestview market. As development continues, 0.41-acre residential lots become increasingly rare. Long-term appreciation potential strong for buyers holding 7-10+ years.

Data Sources: SilverOaksFL.com (official subdivision website), Silver Oaks Phase 2 HOA website, Compass, Homes.com, Century21 (listings February 2026), Okaloosa County property records, ZoomInfo (HOA data).

Last Updated: February 2026