Highlands Subdivision, Crestview FL: Market Data & Home Buyer Guide
Quick Stats
| Metric | Data |
|---|---|
| Location | North Crestview, 32536 zip code |
| Builder | D.R. Horton |
| Year Built | 2024-2025+ (active new construction) |
| Price Range | $345,900 - $399,900 |
| Typical Size | 1,830 - 2,995 sq ft |
| Lot Size | 0.25 - 0.46 acres |
| HOA | TBD (typically $50-$100/month for D.R. Horton communities) |
| Elementary School | Bob Sikes Elementary - 6/10 GreatSchools |
| Middle School | Davidson Middle - 7/10 GreatSchools |
| High School | Crestview High - 4/10 GreatSchools, B+ Niche |
| Eglin AFB Distance | 26 miles (30-40 minutes) |
| Duke Field Distance | 6 miles (12-18 minutes) |
| Hurlburt Field Distance | 35 miles (55-65 minutes) |
Market Overview
Highlands is D.R. Horton's premium North Crestview development featuring single-story, four-sided brick homes on large lots. As of February 2026, active listings range from $345,900 for 4BR/2BA Cali models (1,830 sq ft) to $399,900 for 5BR/3BA Finn models (2,995 sq ft). This positions Highlands as a step up from entry-level D.R. Horton communities like Patriot Ridge.
Recent sales (April 2024): $328,900 for a 4BR/2BA Cali Plan (1,830 sq ft), indicating stable pricing with modest appreciation for current listings.
The subdivision targets military families (E-7 through O-4), professionals, and families seeking larger homes without sacrificing single-story living. All homes are single-story—rare for this square footage range in new construction. Lot sizes of 0.25-0.46 acres provide privacy and outdoor space.
Highlands features D.R. Horton's Smart Home Connect technology package standard in all homes, including Amazon Echo Dot, smart thermostat, keyless entry, Skybell doorbell, and Quolsys touch panel for integrated control.
Located off Lake Silver Road near Silver Oaks subdivision, Highlands benefits from North Crestview's proximity to Duke Field (6 miles) while maintaining access to Eglin AFB (26 miles).
Subdivision Details
Development Type: D.R. Horton new construction, single-family homes
Community Status: Actively building (multiple phases)
Number of Homes: Approximately 40-60 lots (estimate based on active construction)
Primary Streets: Rutgers Road, Belmont Drive
Available Floor Plans
Cali Plan (Most Popular):
Bedrooms: 4
Bathrooms: 2
Square footage: 1,830-1,856 sq ft
Price range: $345,900 - $379,900
Garage: 2-car
Layout: Split bedroom, open concept
Primary suite: Garden tub, separate shower, double vanity, walk-in closet
Finn Plan (Largest):
Bedrooms: 5
Bathrooms: 3
Square footage: 2,595-2,995 sq ft
Price range: $389,900 - $399,900
Garage: 2-car
Layout: 3 bedrooms at front, 2 bedrooms split off living area
Primary suite: Large ensuite, walk-in closet
Lakeside Plan:
Bedrooms: 5
Bathrooms: 3
Square footage: 2,107 sq ft
Price range: $390,000+ (limited availability)
Similar layout to Finn with modified square footage
Standard Features (All Homes)
Exteriors:
Four-sided brick construction (low maintenance, durability)
Single-story design
Covered patio standard
2-car garage with automatic opener
Interiors:
EVP (enhanced vinyl plank) flooring in main living areas
Plush carpet in bedrooms
Quartz countertops (kitchen and baths)
Stainless steel appliances (dishwasher, microwave, smooth-top range)
Large kitchen island
Pantry in every home
Walk-in primary closet
Smart Home Technology Package:
Amazon Echo Dot device
Kwikset keyless entry
Skybell video doorbell
Automated front porch lighting
Quolsys touch panel (controls thermostat, locks, lighting)
Smart thermostat
Utilities:
City water / septic tank (verify with builder)
Electric heat/AC
Natural gas availability (verify by lot)
School Zones
Bob Sikes Elementary School (PK-5)
GreatSchools Rating: 6/10
Distance: 3.3 miles from Highlands
Address: 425 Adams Dr, Crestview
Math Proficiency: Lower than Antioch Elementary (8/10)
Reading Proficiency: Lower than Antioch Elementary
Davidson Middle School (6-8)
GreatSchools Rating: 7/10
Distance: 3 miles from Highlands
Address: 6261 Old Bethel Rd, Crestview
Crestview High School (9-12)
GreatSchools Rating: 4/10 | Niche Grade: B+
Distance: 3.2 miles from Highlands
Graduation Rate: 97%
Address: 1250 N Ferdon Blvd, Crestview
School Zone Trade-Off: Highlands feeds into Bob Sikes Elementary (6/10), which rates lower than Antioch Elementary (8/10) serving Liberty Oaks and Silver Oaks. This is offset by larger homes, larger lots, and newer construction. Families prioritizing top elementary school ratings should consider Liberty Oaks or Silver Oaks instead.
Military Family Considerations
Base Commutes
BaseDistanceDrive TimeRush HourDuke Field6 miles12-18 minutes18-25 minutesEglin AFB Main Gate26 miles30-40 minutes40-50 minutesHurlburt Field35 miles55-65 minutes65-75 minutes
| Base | Distance | Drive Time | Rush Hour |
|---|---|---|---|
| Duke Field | 6 miles | 12-18 minutes | 18-25 minutes |
| Eglin AFB Main Gate | 26 miles | 30-40 minutes | 40-50 minutes |
| Hurlburt Field | 35 miles | 55-65 minutes | 65-75 minutes |
Duke Field: Highlands is excellent for Duke Field assignments. 6-mile commute via Highway 90/Lake Silver Road is one of the shortest in Crestview.
Eglin AFB: 26-mile commute is manageable. North Crestview location means Highway 85 south through town during summer traffic. Expect 40-50 minutes during peak tourist season (May-August).
Hurlburt Field: 55+ minute commute not recommended for daily use.
BAH Compatibility (2025 Rates)
Example: Cali Plan at $346,000 (30-year VA loan, 0% down, 6.5% rate):
Monthly payment: $2,186 (P&I)
Estimated insurance: $175/month
Estimated HOA: $75/month (if applicable)
Total housing cost: ~$2,436/month
| Rank | BAH (with dependents) | Fit for $346K (Cali) | Fit for $390K (Finn) |
|---|---|---|---|
| E-6 | $2,517/mo | Tight (97% ratio) | Over budget |
| E-7 | $2,706/mo | Workable (90% ratio) | Tight (101% ratio) |
| O-3 | $3,030/mo | Strong (80% ratio) | Workable (90% ratio) |
| O-4 | $3,216/mo | Excellent (76% ratio) | Strong (85% ratio) |
| O-5 | $3,342/mo | Excellent (73% ratio) | Strong (82% ratio) |
Highlands targets E-7 through O-5 ranks. E-6 buyers should focus on the Cali Plan at entry pricing ($346K) or consider Holley Grove ($225K-$333K) for better BAH compatibility.
D.R. Horton Military Benefits
Main Street Stars Program: $1,000 incentive for military, law enforcement, firefighters, healthcare, and education professionals
DHI Mortgage: Builder-preferred lender with competitive rates for VA loans
Smart Home Package: Standard in all homes (no upgrade cost)
VA loan-friendly: Builder experienced with VA appraisals
PCS Resale Strength
Advantages:
D.R. Horton brand recognition (America's largest builder)
Four-sided brick (curb appeal, low maintenance)
Large lots appeal to families
Smart home technology attracts younger buyers
North Crestview location desirable for Duke Field/Eglin commuters
Considerations:
Bob Sikes Elementary (6/10) vs Antioch (8/10) may affect resale to school-focused buyers
Higher price point limits buyer pool vs entry-level subdivisions
Projected resale: 45-75 days for well-priced homes
50+ Downsizer Considerations
Single-Story Availability
100% of Highlands homes are single-story—a major selling point. Floor plans range from 1,830 sq ft (Cali) to 2,995 sq ft (Finn), allowing downsizers to choose appropriate sizing.
Right-Sizing Options:
Cali Plan (4BR/2BA, 1,830 sq ft): Perfect for couples who want office + guest rooms
Finn Plan (5BR/3BA, 2,595 sq ft): Multi-generational living or future adaptability
Low Maintenance Features
Exterior:
Four-sided brick requires minimal upkeep (no painting)
HOA may cover lawn care (verify with builder)
Single-story eliminates roof/gutter access concerns
Interior:
EVP flooring (no carpet in main areas = easier cleaning)
Walk-in shower in primary bath (Cali Plan has garden tub + separate shower)
Smart home technology simplifies temperature control, security
Lot Size Considerations:
0.25-0.46 acres = more yard work than smaller subdivisions
Downsizers seeking zero-lot-line or townhomes should consider alternatives
Consider lawn service costs ($100-$150/month) if HOA doesn't cover
Healthcare Access
Twin Cities Hospital: 5 miles, 12 minutes
Fort Walton Beach Medical Center: 28 miles, 35 minutes
Sacred Heart Hospital Emerald Coast: 33 miles, 40 minutes
Age-in-Place Features
Highlands homes include walk-in closets, wide doorways (standard), and single-story layouts. However, homes lack:
Roll-in showers (garden tubs in primary baths)
Grab bars (can be added)
Zero-step entry (small step at front door)
Lever door handles (round knobs standard)
These modifications can be added during or after construction. Consult builder about customization options.
Highlands vs Other Crestview Subdivisions
| Feature | Highlands | Holley Grove | Liberty Oaks | Silver Oaks | Everwood |
|---|---|---|---|---|---|
| Year Built | 2024-2025+ | 2023-2024+ | 2000s-2010s | 1990s-2000s | 2011-2020 |
| Price Range | $346K-$400K | $225K-$333K | $280K-$360K | $300K-$400K | $385K-$460K |
| Sq Ft Range | 1,830-2,995 | 966-1,500 | 1,600-2,200 | 1,800-4,000+ | 2,050-2,868 |
| Lot Size | 0.25-0.46 acres | 0.13 acres | 0.25-0.30 acres | 0.41 acres | 0.25-0.26 acres |
| Builder | D.R. Horton | Custom | Custom | Custom | Custom |
| HOA | $50-$100/mo (est) | $0 | $50-$100/mo | ~$31/mo | $0 |
| Elementary | Bob Sikes 6/10 | Riverside 7/10 | Antioch 8/10 | Antioch 8/10 | Bob Sikes 6/10 |
| Brick Exterior | Yes (4-sided) | Vinyl/brick mix | Traditional | All-brick | Brick/Hardiboard |
| Smart Home | Yes (standard) | No | No | No | No |
| Best For | E-7+, O-3+, large homes | E-5 to E-7, first-time | E-6 to O-3, families | E-7+, O-3+, big lots | O-3+, no HOA |
Highlands Advantages:
D.R. Horton warranty and brand
Four-sided brick (best in class for durability)
Largest single-story homes in Crestview new construction
Smart Home technology standard
Large lots (0.25-0.46 acres) with privacy
Highlands Trade-Offs:
Bob Sikes Elementary (6/10) vs Antioch (8/10)
Higher price point than Holley Grove or Liberty Oaks
HOA fees (if applicable) vs no-HOA options
Septic tank vs city sewer (verify by lot)
Common Questions
Q: What is the difference between the Cali and Finn floor plans in Highlands?
A: Cali offers 4BR/2BA in 1,830 sq ft ($346K-$380K). Finn provides 5BR/3BA in 2,595-2,995 sq ft ($390K-$400K). Cali suits most families; Finn works for large families or multi-generational living.
Q: Does Highlands have an HOA?
A: HOA status varies by D.R. Horton communities. Typical range is $50-$100/month. Verify with builder for current Highlands HOA structure and fees. HOA may cover common areas, entrance, and some landscaping.
Q: Can I customize my Highlands home during construction?
A: D.R. Horton offers customization through their design studio for flooring, countertops, cabinets, and fixtures. Structural changes (room layout) are typically limited. Contact builder early in process for upgrade options and pricing.
Q: Is Highlands compatible with military BAH?
A: Highlands works best for E-7 and above. O-3 ($3,030/month) aligns well with Cali pricing ($346K = 80% ratio). E-6 will find Highlands tight; consider Holley Grove or Liberty Oaks for better BAH fit.
Q: What schools serve Highlands subdivision?
A: Bob Sikes Elementary (6/10), Davidson Middle (7/10), Crestview High (4/10 GreatSchools, B+ Niche, 97% graduation). Bob Sikes rates lower than Antioch Elementary (8/10) serving Liberty Oaks/Silver Oaks.
Q: How far is Highlands from Duke Field and Eglin AFB?
A: Duke Field is 6 miles (12-18 minutes). Eglin AFB main gate is 26 miles (30-40 minutes, add 10 minutes during summer traffic). Excellent for Duke Field assignments.
Q: Why are Highlands homes four-sided brick?
A: Four-sided brick provides superior durability, weather resistance, and curb appeal compared to vinyl or partial brick. Low maintenance (no painting), better resale value, and insurance discounts in some cases.
Q: Does the Smart Home technology package cost extra?
A: No. D.R. Horton includes Smart Home Connect package standard in all Highlands homes at no additional cost. Includes Echo Dot, smart thermostat, video doorbell, keyless entry, and touch panel control.
Market Data (Last 90 Days)
| Period | Homes Sold | Median Price | Avg Sq Ft | $/Sq Ft |
|---|---|---|---|---|
| April 2024 | 1 | $328,900 | 1,830 | $180 |
| Feb 2026 Active Listings | 4-6 | $346K-$400K | 1,830-2,995 | $188-$192 |
Note: Limited sales data due to new community status. Pricing reflects active listings as of February 2026. D.R. Horton communities typically see stable pricing with modest appreciation during construction phase.
Location & Directions
Primary Address Range: Rutgers Road / Belmont Drive, Crestview FL 32536
Directions from Eglin AFB:
Head north on Highway 85 for 22 miles
Turn left (west) on Lake Silver Road (just before Victorious Life Church)
Follow Lake Silver Road as it curves (stay on Lake Silver)
Pass Silver Lake Village community
Pass Taylor Road
Turn right on Belmont Drive into Highlands
Directions from Duke Field:
Head east on Highway 90 for 4 miles
Turn right on Highway 85 South
Turn left on Lake Silver Road
Follow Lake Silver Road to Belmont Drive
Turn right into Highlands
Nearby Amenities:
Twin Cities Hospital: 5 miles (12 min)
Walmart Supercenter: 6 miles (14 min)
Publix: 5.5 miles (13 min)
Crestview Commons Shopping: 6.2 miles (14 min)
I-10 Access: 7 miles (12 min)
Victorious Life Church: 0.5 miles (2 min)
Data Sources
D.R. Horton Highlands community page (drhorton.com)
Redfin MLS listing
#935267(sold April 2024, $328,900)Compass, Century 21, Movoto active listings (February 2026)
Homes.com Crestview 32536 zip listings
Trulia Crestview new construction
Okaloosa County School District (school data)
GreatSchools.org, Niche.com (February 2026)
DoD BAH rates (2025, Eglin AFB zip 32542)
