Kelly Plantation 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.
Market Heat
Photo via Emerald Coast MLS
As of September 2026, Kelly Plantation S/D in Destin, FL has 10 homes for sale and 1 pending, asking from $924,900 to $15,000,000 (median $1,537,000). Over the 12 months ending 2026-09-20, 22 recorded sales closed at a median of $1,315,000, a median 58 days on market, sellers accepting 93% of original asking (-9% versus the prior year). Homes listed or recently sold were built 1996–2024; 3 of the 13 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $16,960 ($16,450 with the full homestead exemption).
Part of the Kelly Plantation master-planned community in Destin, FL — see all Kelly Plantation homes for sale (12 listings across 4 villages and sections in the MLS).
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Homes in the community | 219 (FL DOR 2025 assessment roll) |
| Years built | 1996–2024 (median 2003) |
| Typical living area | 3,925 sq ft (median) |
| Home types (current listings and sales) | detached single family 91%, townhouses 9% |
| Amenities listed by sellers | Golf, Tennis Court(s), Exercise Room, Gated, Pool, Community Room |
| Sale prices, last 12 months | $1,315,000 median across 22 closed sales · -9.3% vs the prior 12 months |
| Days on market (closed sales) | 58 median |
| For sale right now | 12 active, 0 pending · median asking $1,537,000 · 6.9 months of supply |
| Owner-occupied (homestead) share | 76% |
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 PLANTATION S/D key facts,” movewithmomentum.com/neighborhoods/kelly-plantation-s-d, data as of September 20, 2026.
Last 30 days in Kelly Plantation S/D: 1 new listing (median asking $925,000), 1 under contract right now, 1 closed sale (median $1,150,000). As of September 26, 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.
Homes For Sale Right Now in Kelly Plantation S/D
Live MLS inventory for Kelly Plantation S/D. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 770 daysTop listing
Active · 388 days
Active · 59 days
Active · 240 days
Active · 210 days
Active · 501 days
Active · 49 days
Active · 142 daysActive · 7 days
Active · 165 days
Pending · 64 daysActive and pending Kelly Plantation S/D listings as of 2026-09-26, priced high to low. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Every Home for Sale in Kelly Plantation S D Right Now (9)
All 9 active and pending Kelly Plantation S D listings with a detail page, newest first, refreshed twice a day from the MLS.
- 371 Terrapin Trace · $925,000 · 3 bd / 3 ba · listed Sep 18, 2026 · listed by 30A Local Real Estate
- 4470 Stonebridge Road · $1,375,000 · 4 bd / 3.5 ba · pending · listed Sep 2, 2026 · listed by EXP Realty LLC
- 4367 Bahia Lane · $1,200,000 · 4 bd / 3 ba · listed Aug 7, 2026 · listed by Keller Williams Realty SRB
- 4379 Old Bayou Trail · $1,599,000 · 4 bd / 3.5 ba · listed Jul 28, 2026 · listed by Century 21 BE3
- 4345 Bahia Lane · $924,900 · 4 bd / 3.5 ba · listed Jun 27, 2026 · listed by Coldwell Banker Realty
- 6326 Augusta Cove · $1,575,000 · 5 bd / 3.5 ba · listed Jun 27, 2026 · listed by Christies International Real Estate Emerald Coast
- 4327 Stonebridge Road · $1,588,000 · 5 bd / 5 ba · listed Jun 27, 2026 · listed by 30A Local Real Estate
- 237 Matties Way · $1,499,000 · 4 bd / 5 ba · listed Jun 27, 2026 · listed by Five Star Properties RE FL Inc
- 4300 Breakwater Drive · $15,000,000 · 8 bd / 8.5 ba · listed Jun 27, 2026 · listed by Somers & Company
Price here is driven by the homes themselves, not by a shared amenity package — none turned up in the current MLS listings. With a median build year of 2003, a range that runs from 1995 to 2024, and a median footprint near 3,894 square feet, what you pay tracks size, condition, and how recently a home has been updated. Expect a wide spread around the $1,300,000 median, sorted mostly by vintage and finish.
The current posture is patient. Median days on market sit at 59, the heat score is a middling 49, and prices are off 3.7% year over year — so this is not a market where buyers should feel rushed or sellers should expect a quick premium. Longer-run context is stronger: values are up 89% since 2012. Sellers should price to the current comps rather than last year's, and buyers have room to negotiate on homes that have been sitting.
Kelly Plantation S/D right now
🟢 Buyer-leaning market. 6.9 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Emerald Coast MLS records, as of September 20, 2026. Confidence: Very High (12 active and pending listings, 22 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($1.32M) is down 9.3% from the prior 12 months ($1.45M) and up 87% since 2012. With about 21 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Emerald Coast MLS closed sales, 12-month windows ending September 20. Confidence: High (22 and 15 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Kelly Plantation S/D market snapshot (as of September 20, 2026): the median sale price is about $1.32M, a median 59 days on market for closed sales, and 6.9 months of supply, a buyer-leaning market. The trailing-12-month median is down 9% from the prior 12 months and up 87% since 2012, computed from record-level Emerald Coast MLS closed sales (22 closings in the current window).
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 24 qualified sales in KELLY PLANTATION S/D across 2024–2025 (19 in 2024, 5 in 2025), median $1.50M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in KELLY PLANTATION S/D: of 13 listing addresses checked against the FEMA National Flood Hazard Layer, 77% sit outside the FEMA Special Flood Hazard Area (Zone X); 23% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary — verify any specific address at msc.fema.gov. See flood zones by neighborhood in Destin.
Kelly Plantation S/D is a community of 219 homes in Destin, Okaloosa County, built between 1996 and 2024 (median 2003), with a median living area of about 3,925 square feet. 76% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Kelly Plantation is an established Destin subdivision of 414 homes built largely in the early 2000s, trading at a $1,300,000 median that reflects house-by-house condition rather than any community amenity. A homestead share near 74% points to a predominantly owner-occupied streetscape.
The setting & the homes.
Aerial and on-site photos of Kelly Plantation S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Kelly Plantation S/DKelly Plantation S/DKelly Plantation S/DKelly Plantation S/DKelly Plantation S/DKelly Plantation S/DKelly Plantation S/DKelly Plantation S/DPhotos from Emerald Coast MLS listings in Kelly Plantation S/D; content deemed reliable but not guaranteed.
Who Kelly Plantation S/D is best for.
Best for
- Buyers with a budget around the $1.3M median seeking a large, established home
- Long-hold owners comfortable with a soft near-term market and stronger long-run trend
- Renovation-minded buyers looking to negotiate on an original-era home due for updates
Probably not for
- Buyers who require built-in community amenities like a pool or clubhouse
- Shoppers needing a wide selection right now, given only a handful of active listings
- Buyers expecting quick appreciation or a fast, competitive close
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 ($1.32M) IS the median in the snapshot above, and the move from 2025 ($1.45M) IS the -9.3% one-year change.
Windows contain 9 to 39 sales each (22 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.
9% of homes for sale in Kelly Plantation S/D 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 (2026-09-27).
KELLY PLANTATION S/D Market Scorecard
KELLY PLANTATION S/D is currently a balanced market. About 5.7 months of supply, a median asking price of $1,537,000, and homes go under contract in about 188 days.
Typical home value in the 32541 ZIP is $614,544, about 33.3% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in KELLY PLANTATION 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 Plantation 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.
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Destin · Elementary
- Destin · Middle
- Destin · High
Zoned schools reflect the assignments reported on recent Kelly Plantation S/D listings and can change; always confirm with Okaloosa County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Kelly Plantation S/D address.
Shop the zone: Homes zoned for Destin High School · Homes zoned for Fort Walton Beach High School
The Kelly Plantation S/D buying strategy.
If we were buying in Kelly Plantation 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Plantation S/D.
A condition-driven market, not an amenity story
With no community amenities identified from current listings, value in Kelly Plantation comes down to the individual home. A build range from 1995 to 2024 means you'll see both original-era houses and newer construction on the same walk, and the median near 2003 tells you a large slice of inventory is now at the age where kitchens, roofs, and systems are either updated or due. That's where the negotiating leverage lives.
At roughly 3,894 square feet median living area, these are substantial homes, and the 74% homestead share suggests most are lived in rather than rented. Inventory is thin — 10 active listings against 19 closings in the window — so selection is limited, but the 59-day median and softer year-over-year pricing give a prepared buyer time to underwrite carefully. Match the median price to the median-condition home; anything meaningfully above or below it should be justified by finish level, not assumed.
The location and the amenities are priced into every listing in Kelly Plantation S/D. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Kelly Plantation S/D buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (5.3). Basis: Long-Term Appreciation +87% since 2012; Recent Direction -9.3% year-over-year; Liquidity & Demand 6.9 months of supply; Owner Commitment 76% owner-occupied; Pricing Power 93.2% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Because this is a condition-sorted market with thin inventory, the number that matters isn't the median — it's what a specific home's age, updates, and footprint justify against it. We read each listing against recent closings and flag when a home has been sitting long enough to negotiate, or priced to last year's peak rather than today's. Sellers get comps-based pricing; buyers get an honest read on where the leverage is.
Kelly Plantation 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 Plantation 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 Plantation 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 Plantation 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 Plantation S/D home worth?
Get a no-obligation home value based on real comparable sales in Kelly Plantation 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 PLANTATION S/D
Homes in KELLY PLANTATION 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. 6 on record.
- 228 Matties Way · off market
- 236 Matties Way · off market
- 284 Champion Court · off market
- 301 Sweet Water Cove · off market
- 4372 Stonebridge Road · off market
- 4397 Bahia Lane · off market
Frequently Asked Questions
What is the median home price in Kelly Plantation S/D?
How long do homes in Kelly Plantation S/D take to sell?
Is Kelly Plantation S/D a buyer's or seller's market right now?
How many homes are in Kelly Plantation S/D?
What share of Kelly Plantation S/D is owner-occupied?
When were the homes in Kelly Plantation S/D built?
Have Kelly Plantation S/D home prices gone up?
Who is the best real estate agent for Kelly Plantation S/D?
How do I find a top Destin real estate agent who knows Kelly Plantation S/D?
Can Momentum Realty connect me with an agent for Kelly Plantation S/D?
Where is Kelly Plantation S/D, and what county is it in?
Is Kelly Plantation S/D in a flood zone?
Is Kelly Plantation S/D a good place to live?
Should you buy in Kelly Plantation 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 (8 streets, ZIP 32541)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1997 (401 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.
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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 PLANTATION S/D fits the bigger picture — live prices, inventory, and Momentum Scores:
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