Kelly Homes S/D
Homes for Sale in Destin, FL
All 603 homes for sale in Destin, FL · median $634,900 · 618 homes for sale in 32541 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $311,000, a median 82 days on market, sellers accepting 88% of original asking. Homes listed or recently sold were built 1974–2007. At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,010 ($3,500 with the full homestead exemption).
| Location | Destin, Okaloosa County, FL · ZIP 32541, 32580 |
|---|---|
| Homes in the community | 232 (FL DOR 2025 assessment roll) |
| Years built | 1955–2021 (median 1983.0) |
| Typical living area | 1,716 sq ft (median) |
| Amenities listed by sellers | Security System |
| Sale prices, last 12 months | $311,000 median across 4 closed sales |
| Days on market (closed sales) | 82 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 66% |
Data as of September 20, 2026. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “KELLY HOMES S/D key facts,” movewithmomentum.com/neighborhoods/kelly-homes-s-d, data as of September 20, 2026.
Price here is driven by condition and floor plan, not by amenities or new construction. With a median build year of 1983 and a range that stretches back to 1955, what you pay tracks closely to how much updating a given home has already absorbed. The median sits at $311,000, but expect a wide spread around it depending on whether you are buying a project or a finished product.
The market posture is slow and deliberate. A median of 82 days on market is a long runway by Destin standards, and with just one active listing against 232 homes, inventory is thin and turnover is limited. Sellers should price to the condition of the home rather than to hope; buyers who are patient have room to negotiate and time to inspect.
Nearby homes for sale
No active listings inside KELLY HOMES S/D right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Kelly Homes S/D market snapshot (as of September 20, 2026): the median sale price is about $311K, and a median 82 days on market for closed sales.
In ZIP 32541 (Destin), 790 homes closed in the last 12 months at a median of $730K ($199/sq ft), down 1.9% year over year, with a median 96 days on market. Right now 488 active and 65 pending listings put supply at about 9.0 months — a soft market. See the live ZIP 32541 housing market and the Okaloosa County market.
County records show 15 qualified sales in KELLY HOMES S/D across 2024–2025 (11 in 2024, 4 in 2025), median $440,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Kelly Homes S/D is a community of 232 homes in Destin, Okaloosa County, built between 1955 and 2021 (median 1983.0), with a median living area of about 1,716 square feet. 66% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Kelly Homes is an established, mostly built-out pocket of Destin where homes date across several decades and no shared amenities factor into value. At a roughly two-thirds homestead share, this reads as a settled, owner-occupied street grid rather than a rental-heavy stretch.
The setting & the homes.
Aerial and on-site photos of Kelly Homes S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Kelly Homes S/D
Kelly Homes S/D
Kelly Homes S/D
Kelly Homes S/DPhotos from Emerald Coast MLS listings in Kelly Homes S/D; content deemed reliable but not guaranteed.
Who Kelly Homes S/D is best for.
Best for
- Buyers targeting the mid-$300s who want an established Destin location over amenities
- Renovation-minded buyers ready to take on an older home and add value through updates
- Patient buyers who can wait out thin inventory for the right property
Probably not for
- Buyers who need newer construction and turnkey condition
- Buyers who want a fast-moving market with plenty of active listings to compare
- Buyers who prioritize shared community amenities, which are not identified here
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($311K) IS the median in the snapshot above.
Windows contain 0 to 4 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
13% of homes for sale in ZIP 32541 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-20).
Kelly Homes S/D Market Scorecard
Kelly Homes S/D is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Emerald Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in KELLY HOMES S/D, Destin
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Kelly Homes S/D on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap, tiles © CARTO.
The Kelly Homes S/D buying strategy.
If we were buying in Kelly Homes S/D today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Kelly Homes S/D.
Condition is the whole story
With a median living area around 1,715 square feet and a median vintage of 1983, this is a subdivision of modestly sized, older homes. The 1955-to-2021 build range means you will find everything from original mid-century stock to occasional newer rebuilds on the same map, so two homes at similar sizes can price very differently based on systems, roof, and updates. Read each listing on its own terms.
Low active inventory changes how you shop. With one home listed and only four closings in the recent window, comparable sales are sparse and each new listing carries outsized weight in setting the local read. That thinness cuts both ways: a well-prepared seller can anchor the block, and a buyer willing to wait may get first look at the next home to come available.
The location and the amenities are priced into every listing in Kelly Homes S/D. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-volume, condition-driven market like this, the read on any single home matters more than a neighborhood average. We walk the property, weigh what the median actually reflects against the specific home in front of you, and price or offer accordingly — because with this little inventory, getting the comparables right is the difference between a fair deal and a stalled one.
Kelly Homes S/D in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Kelly Homes S/D buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Kelly Homes S/D sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Kelly Homes S/D, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Kelly Homes S/D home worth?
Get a no-obligation home value based on real comparable sales in Kelly Homes S/D, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Destin →
Recently off market in KELLY HOMES S/D
Homes in KELLY HOMES S/D that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 308 Spring Lane · off market
Frequently Asked Questions
What is the median home price in Kelly Homes S/D?
How long do homes in Kelly Homes S/D take to sell?
How many homes are in Kelly Homes S/D?
What share of Kelly Homes S/D is owner-occupied?
When were the homes in Kelly Homes S/D built?
Who is the best real estate agent for Kelly Homes S/D?
How do I find a top Destin real estate agent who knows Kelly Homes S/D?
Can Momentum Realty connect me with an agent for Kelly Homes S/D?
Where is Kelly Homes S/D, and what county is it in?
Should you buy in Kelly Homes S/D?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32541/32580)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1995 (40 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Emerald Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how KELLY HOMES S/D fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Kelly Homes S/D with Momentum Realty’s local guides.