Liberty Oaks Subdivision - Crestview, FL Real Estate Data
Meta Description:
Liberty Oaks Quick Stats
| Metric | Data |
|---|---|
| Total Lots | 71 single-family |
| Subdivision Size | 25.92 acres |
| Year Built | 2000s-2010s |
| Price Range | $280,000 - $360,000 |
| Median Price | ~$320,000 (estimate) |
| Typical Home Size | 1,600 - 2,200 sq ft |
| Bedrooms/Bathrooms | 3-4 BR / 2-3 BA |
| Lot Size | 0.25 - 0.30 acres typical |
| HOA Fees | Varies by section ($50-$100/month estimated) |
| Zip Code | 32536 |
What is Liberty Oaks subdivision?
Liberty Oaks is an established single-family subdivision in North Crestview containing 71 residential lots across 25.92 acres. Developed primarily in the 2000s-2010s, the neighborhood represents mid-range housing stock between newer South Crestview construction and older 1990s builds. Homes feature traditional Florida architectural styles with brick or vinyl exteriors, 2-car garages, and quarter-acre lots.
The subdivision appeals to military families seeking value between $280K-$360K, first-time buyers stepping up from townhomes, and 50+ downsizers transitioning from larger properties. Location in the 32536 zip code provides access to Antioch Elementary (rated 8/10), one of Crestview's highest-performing schools.
How much do Liberty Oaks homes cost?
As of February 2026, Liberty Oaks homes list between $280,000 and $360,000 based on size, condition, and upgrades. Median price sits around $320,000.
Recent listings (observed range):
3 BR / 2 BA (1,600-1,800 sq ft): $280,000 - $310,000
4 BR / 2 BA (1,800-2,000 sq ft): $310,000 - $340,000
4 BR / 3 BA (2,000-2,268 sq ft): $335,000 - $360,000
5 BR / 3 BA (2,800-3,018 sq ft): $345,000 - $365,000
Price per square foot averages $165-$175, slightly below Crestview's overall median of $169-$172. This reflects the subdivision's established (not brand new) status while maintaining strong value compared to coastal Okaloosa County markets.
Is Liberty Oaks compatible with military BAH?
Yes - Liberty Oaks falls within E-6 through O-3 BAH ranges.
E-5 with dependents ($2,289/month = $274,680 annually): Entry-level Liberty Oaks homes ($280K-$300K) require modest out-of-pocket, typically $5K-$25K down payment with conventional loan or $0 down with VA loan but potential for appraisal gap.
E-6 with dependents ($2,517/month = $302,040 annually): Strong fit. Median Liberty Oaks price ($320K) sits just above E-6 annual BAH, requiring minimal monthly out-of-pocket ($150-$250 difference between mortgage and BAH). With VA loan (0% down), E-6 families can comfortably purchase mid-range Liberty Oaks homes.
O-3 with dependents ($3,030/month = $363,600 annually): Excellent fit with room for larger homes. O-3 BAH covers upper-tier Liberty Oaks inventory ($345K-$360K) with cushion remaining for utilities and maintenance.
BAH Calculation Example (E-6):
Home Price: $320,000
VA Loan (0% down): $320,000 financed
Estimated Monthly Payment: ~$2,650 (includes property tax, insurance, no HOA assumed)
E-6 BAH: $2,517/month
Out-of-Pocket: ~$133/month
What schools serve Liberty Oaks?
Liberty Oaks falls within the 32536 zip code school zones:
Elementary School: Antioch Elementary School - 8/10 (GreatSchools)
Address: 4700 Whitehurst Lane, Crestview FL 32536
Grades: PK-5
Enrollment: 965 students
Key Strength: Highest-rated elementary in Crestview proper
Parent Feedback: Strong academics, engaged teachers, military-friendly
Middle School: Davidson Middle School - 7/10 (GreatSchools)
Address: 6261 Old Bethel Road, Crestview FL 32536
Grades: 6-8
Enrollment: 1,154 students
High School: Crestview High School - 4/10 (GreatSchools), B+ (Niche)
Address: 1250 N Ferdon Boulevard, Crestview FL 32536
Grades: 9-12
Enrollment: 2,397 students
Graduation Rate: 97%
Notable: Strong Career & Technical Education (CTE) programs, 54% math/reading proficiency
Out-of-Zone Option: Families can apply for Collegiate High School at Northwest Florida State College (A+ rating, 50th in Florida). Students graduate with high school diploma + Associate's Degree tuition-free. Admission competitive, requires application.
How far is Liberty Oaks from Eglin AFB and Duke Field?
Eglin Air Force Base Main Gate: 28 miles, 30-45 minute commute
Route: US-90 E to FL-85 S
Traffic Impact: Add 10-15 minutes during summer tourist season (May-August)
Alternate Route: I-10 to Niceville exit adds 5 minutes but avoids some traffic
Duke Field (Eglin Auxiliary Field #3): 5-7 miles, 15-20 minute commute
Route: South on FL-85
Traffic Impact: Minimal - primarily local traffic
7th Special Forces Group personnel find Liberty Oaks convenient
Hurlburt Field: Approximately 35-40 miles, 60-70 minute commute
Not ideal for daily commute; consider Fort Walton Beach or Mary Esther for Hurlburt assignments
What are typical Liberty Oaks home features?
Standard Features (most homes):
3-4 bedrooms, 2-3 bathrooms
1,600-2,200 square feet heated space
2-car attached garage
Open floor plans (built 2000s-2010s)
Granite or laminate countertops
Stainless steel appliances
LVP (luxury vinyl plank) or tile flooring
Fenced backyards (not all lots)
Common Upgrades Found:
Screened lanais/Florida rooms
Updated kitchen cabinets (soft-close, extended height)
Crown molding and coffered ceilings
Irrigation systems
Security systems (Ring, ADT)
Smart home features (Nest, Ecobee thermostats)
Lot Characteristics:
0.25-0.30 acres typical (10,890-13,068 sq ft)
Mix of corner and interior lots
Mature landscaping (15-20 years established)
Some lots back to wooded areas providing privacy
Liberty Oaks for Military Families
PCS Resale Considerations:
Liberty Oaks demonstrates moderate-to-strong resale liquidity for military families on 2-3 year tours. Homes priced correctly (within 5% of comps) typically sell in 60-90 days. Key resale factors:
Positive Factors:
Antioch Elementary (8/10) attracts military buyers with school-age children
E-6/O-3 BAH compatibility creates consistent buyer pool
Established neighborhood feel (not cookie-cutter new construction)
Duke Field proximity appeals to 7th SFG families
Neutral Factors:
Mid-range pricing requires buyers with some cash reserves or strong BAH
Commute to Eglin main gate (30-45 min) acceptable but not ideal
Potential Challenges:
Competition from newer South Crestview builds offering warranties
Some buyers prefer gated communities (Liberty Oaks not gated)
VA Loan Appraisal Notes: Liberty Oaks homes typically appraise at or near contract price when priced using recent comps. 2000s-2010s construction meets VA property standards. Request seller-paid appraisal gap coverage if offering above asking in competitive situations.
Liberty Oaks for 50+ Downsizers
Single-Story Availability: Moderate
Liberty Oaks offers mixed housing stock - approximately 35-40% single-story homes, 60-65% two-story. Single-story inventory sells faster due to demand from 50+ buyers and military families preferring one-level living.
Typical Single-Story Specs:
1,600-1,900 sq ft
3 BR / 2 BA split floor plan
Master suite separated from secondary bedrooms
Price Range: $280K-$330K
Low-Maintenance Considerations:
Liberty Oaks does not feature comprehensive HOA services. Basic HOA (estimated $50-$100/month) typically covers road maintenance and subdivision entrance. Homeowners responsible for:
Lawn care and landscaping
Exterior paint/maintenance
Roof and HVAC replacement
Pest control
Better for: Active 50+ buyers comfortable with home maintenance Not ideal for: Buyers seeking full-service HOA with lawn care included (consider Chanan Estates instead)
Healthcare Access:
North Okaloosa Medical Center: 8 miles (15 minutes)
Eglin AFB Hospital (military retirees): 28 miles (30-45 minutes)
Ascension Sacred Heart Emerald Coast: 30 miles (35-40 minutes)
Common Questions About Liberty Oaks
Q: Does Liberty Oaks have an HOA?
A: Yes, but details vary. Many Liberty Oaks homeowners report low HOA fees ($50-$100/month range) covering basic subdivision maintenance. Some sections may not have active HOA. Verify current HOA status and fees with listing agent before purchase.
Q: Are Liberty Oaks homes well-built?
A: Yes - 2000s-2010s construction generally features code-compliant building standards, hurricane straps, and modern electrical/plumbing systems. Expect normal maintenance needs for 10-20 year old homes (HVAC service, roof inspection, water heater replacement).
Q: How does Liberty Oaks compare to Everwood or Silver Oaks?
A: Liberty Oaks (71 lots, 25.92 acres) is smaller than Everwood and Silver Oaks. All three sit in desirable North Crestview with Antioch Elementary access. Silver Oaks offers larger lots (90'x200'), Everwood features newer construction. Liberty Oaks provides middle ground with established feel and competitive pricing.
Q: Can I find a home under $300K in Liberty Oaks?
A: Yes, but limited inventory. Smaller 3BR/2BA homes (1,600-1,750 sq ft) occasionally list in $280K-$295K range. Expect competition from first-time buyers and investors at this price point.
Q: Is Liberty Oaks a good rental investment?
A: Moderate potential. Three-bedroom homes rent for $1,800-$2,200/month depending on condition. Purchase price ($320K median) yields ~6-7% gross rental return. Military tenant pool (7th SFG, Eglin personnel) provides steady demand. Consider property management fees (8-10%) when calculating net return.
Q: What's the flood risk in Liberty Oaks?
A: Low. Liberty Oaks sits in North Crestview at higher elevation. Most homes do not require flood insurance, reducing ownership costs compared to coastal properties. Verify specific lot flood zone with surveyor during due diligence.
Q: How long do Liberty Oaks homes stay on the market?
A: Well-priced homes: 60-90 days. Overpriced or needing updates: 120+ days. Crestview overall averages 73 days (as of September 2025), with Liberty Oaks performing slightly better due to strong school zone.
Q: What updates should I expect to make to a Liberty Oaks home?
A: For homes built 2005-2010 (15-20 years old), budget for:
HVAC service/potential replacement (lifespan 12-15 years)
Roof inspection (asphalt shingle roofs last 20-25 years in Florida)
Water heater replacement (10-12 year lifespan)
Interior updates (paint, flooring, fixtures) per personal preference
Liberty Oaks vs. Other Crestview Subdivisions
| Feature | Liberty Oaks | Everwood | Silver Oaks | Holley Grove (New) |
|---|---|---|---|---|
| Price Range | $280K-$360K | $285K-$370K | $300K-$400K | $295K-$350K |
| Year Built | 2000s-2010s | 2000s-2010s | 1990s-2000s | 2020s |
| Lot Size | 0.25-0.30 ac | 0.20-0.28 ac | 0.41 ac (90'x200') | 0.15-0.22 ac |
| HOA | $50-$100/mo | $75-$125/mo | $0-$75/mo | $100-$150/mo |
| School Zone | Antioch (8/10) | Antioch (8/10) | Antioch (8/10) | Riverside (5/10) |
| Gated | No | No | No (mature trees) | No |
| Best For | E-6/O-3 families | Military families | Larger lots, privacy | New construction warranty |
Why Liberty Oaks Works
Liberty Oaks delivers value-focused home ownership in Crestview's most desirable school zone without premium pricing of gated communities or brand-new construction. The subdivision's 71-lot size creates neighborhood feel while avoiding mega-development congestion.
Buy Liberty Oaks if you:
Have E-6 through O-3 BAH and want to maximize home size
Prioritize Antioch Elementary School access
Prefer established neighborhood with mature landscaping
Value Duke Field proximity (7th SFG families)
Want traditional single-family home with yard space
Consider alternatives if you:
Need single-story guarantee (only 35-40% availability)
Want gated community with full-service HOA
Prioritize brand-new construction with builder warranty
Have E-5 BAH and need sub-$280K pricing
Work at Hurlburt Field (60-minute commute too long)
Data Sources: Olson Land Partners (subdivision specifications), RE/MAX, Compass, Redfin (listings February 2026), Okaloosa County Schools (school zone data), GreatSchools.org (ratings 2024-2025), Department of Defense (2025 BAH rates).
Last Updated: February 2026
