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196 McArthur St, Crestview, FL, 32539

2beds
2baths
1,154sqft
$229,000
$198price/sqft
$1,827/moest. monthly cost
$73,080/yrincome needed

About This Home

Step into this charming, fully renovated Florida cottage with an effective build year of 2015! Thoughtfully updated throughout, this home feels brand new. Enjoy peace of mind with a 4 year old roof, freshly painted interior, new privacy fence, brand new deck, and added gutters. This 2bedroom, 2bath home exterior features include custom siding, Hardie board, and a storage building. Inside, the open floor plan offers vaulted ceilings and exposed beams. The kitchen includes newer cabinets, granite countertops, stainless steel appliances, and a shiplap island with seating.The master suite boasts vaulted ceilings, shiplap accents, barn doors, and a spacious bath with double vanities and tiled shower. Both baths include Bluetooth exhaust fans. A roomy second bedroom completes this must-see home

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

6/10
8/10
Davidson Middle SchoolGrades 6-81.6 mi
4/10
Crestview High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1961

Materials

  • Roof: Shingle
  • Construction materials: Siding CmntFbrHrdBrd

Type & Style

  • Home type: SingleFamily
  • Architectural style: Florida Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Gas Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedroom

  • Level: First
  • Area: 180
  • Dimensions: 15 x 12

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Beamed Ceilings,Kitchen Island,Newly Painted,Owner's Closet,Shelving
  • Flooring: Vinyl
  • Common walls with other units/homes: No Common Walls

Great Room

  • Level: First
  • Area: 264
  • Dimensions: 22 x 12

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,154
  • Total interior livable area: 1,154 sqft

Laundry

  • Level: First
  • Area: 80
  • Dimensions: 8 x 10

Master Bathroom

  • Level: First
  • Area: 168
  • Dimensions: 14 x 12

Master Bedroom

  • Level: First
  • Area: 228
  • Dimensions: 19 x 12

Property

Details

  • Parcel number: 083N07420040100
  • Zoning description: City

Features

  • Stories: 1
  • Patio & porch: Covered
  • Fencing: Privacy

Lot

  • Lot size: 6,969 sqft
  • Features: Level
  • Lot size dimensions: 90 x 140

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Heat Wave
Strong Wind
Cold Wave
Inland Flooding
Winter Weather
Tsunami

FEMA Declared Disasters in Okaloosa County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,157$13,884
Home Insurance *$124$1,488
Property Taxes $349$4,188
Electricity $197$2,366
Total$1,827$21,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,640/yr
40% on housing$54,810/yr
45% on housing$48,720/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 32539$140
Okaloosa County$263

vs Homes Sold Last Month

Median $/sqft

ZIP 32539$180
Okaloosa County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-01Price change$229,000
2026-04-17Price change$237,900
2026-03-29Listed for sale$239,900
2024-09-06Sold$210,000
2024-05-13Pending sale$200,000
2024-05-06Listed for sale$200,000
2024-03-14Pending sale$200,000
2024-03-06Price change$200,000
2024-02-27Listed for sale$229,900
2024-02-23Pending sale$229,900
2024-02-09Listed for sale$229,900
2024-01-24Listing removed$269,900
2023-12-14Listed for sale$269,900
2023-08-14Sold$242,500
2023-07-13Pending sale$242,500
2023-06-30Listed for sale$242,500
2022-09-21Sold$71,250
2022-08-29Pending sale$80,000
2022-08-17Price change$80,000
2022-07-21Price change$84,900
2022-07-10Listed for sale$89,900
2008-08-29Sold$60,000

For Sale by Agent

AgentHaroula J Turner
BrokerageColdwell Banker Realty

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