2856 Atoka Trl, Crestview, FL, 32539
About This Home
You've been living wrong. Rethink your options with this uber rare lakefront home in Cherokee Bend. Imagine yourself redefining "downtime" with a cool beverage on it's expansive deck, taking in those stunning views under perfect shade trees, casting a lazy line after work from the sandy shore, or just drifting in a canoe on the lake with your morning coffee. With a premier location only 2 miles from I-10 and a world away from the hustle and bustle, this original owner estate property is one of only 8 lakefront homes ever built in this neighborhood. A well-maintained blank slate, this waterfront home is move-in ready with lots to offer - tankless Rannai gas water heater, Lennox Elite HVAC, in-place storm shutters for latch and lock convenience, oversized driveway with side parking apron, 2 car garage, active termite contract (recently renewed), gas fireplace, workbench/storage area in garage, Pella glass storm doors front and rear, and a bonus 75" QLED TV... The open split floorplan is a 3 bedroom with eat-in kitchen plus breakfast bar and offers both a separate dining area and a bonus office, hobby, play or conversation room. The primary suite takes up one side of the home and offers vaulted ceilings, double walk-in closets, dual vanities, walk-in linen storage closet, and a large walk-in shower. Shoal Lake is an HOA owned body of water that allows catch and release fishing (large bass present) and small vessels such as canoes, kayaks, paddleboards, and paddleboats without gas engines. Owner confirms that the property line goes to the water's edge. Change one thing to change everything... but you'll need to hurry, opportunities like this do not linger.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2001
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Tankless Water Heater/Gas
Bedroom
- Level: First
- Area: 156
Bedroom1
- Level: First
- Area: 172.5
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: First
- Area: 109.25
Features
- Window features: Double Pane Windows
- Flooring: Tile,Carpet
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 2,016
- Total interior livable area: 2,016 sqft
Kitchen
- Level: First
- Area: 237.5
Living Room
- Level: First
- Area: 402.5
Master Bedroom
- Level: First
- Area: 300
Office
- Level: First
- Area: 109.25
Property
Details
- Parcel number: 333n23200100080200
- Zoning description: Res Single
Features
- Levels: One
- Stories: 1
- Pool features: None
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake,Natural
- Frontage length: Water Frontage(88)
Lot
- Lot size: 0.25 Acres
- Features: Central Access
Parking
- Total spaces: 2
- Parking features: 2 Car Garage,Front Entrance
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Lightning
- Tornado
- Cold Wave
- Heat Wave
- Inland Flooding
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Okaloosa County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,764 | $21,168 |
| Home Insurance * | $189 | $2,268 |
| Property Taxes | $219 | $2,628 |
| Electricity | $202 | $2,434 |
| Total | $2,374 | $28,488 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-07 | Listed for sale | $349,000 |
| 2001-05-16 | Sold | $120,700 |
For Sale by Agent
View on Zillow