Mossy Oak S/D
Homes for Sale in Baker, FL
All 26 homes for sale in Baker, FL · median $359,900 · 26 homes for sale in 32531 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, Mossy Oak S/D in Baker, FL has 2 homes for sale. Homes listed or recently sold were built 2020–2026 with 3 new construction; none of the 7 geocoded homes sit in a FEMA special flood hazard zone (median elevation 166 ft).
Last 30 days in Mossy Oak S/D: 1 under contract right now, 2 closed sales (median $355,685). As of October 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.
Mossy Oak is a newer subdivision by North County standards — the homes here date from 2011 to 2024, with a median build year of 2016, so you are looking at construction that is largely current-code and generally low-maintenance. The living space runs large, with a median around 2,829 square feet, and that size is a big part of what sets price. There is no amenity package to pay for here; value tracks square footage, lot, and condition rather than shared facilities.
With only 3 active listings against 85 homes, this is a thin, slow-turning market — just 2 closings in the recent window. For sellers that scarcity can work in your favor, but with so few comps, pricing is more art than formula and buyers will scrutinize condition. For buyers, patience matters: inventory is limited, and when the right home lists you should be ready to move rather than wait for a broad menu of choices.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Mossy Oak S/D right now
🟢 Buyer-leaning market. 12.0 months of supply and 60% 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: Medium (5 active and pending listings, 2 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 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
Mossy Oak S/D is a small, newer-build pocket in Baker, out in rural Okaloosa County, where the housing stock skews large and owner-occupied and the listing count stays low.
Emerald Coast MLS sales records identify 26 homes in MOSSY OAK S/D that have changed hands since 2012, built between 2011 and 2027 (median 2021), with a median living area of about 2,141 sq ft and a typical 4-bedroom, 2-bath layout; 100% are single-family homes. Source: Emerald Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 9 qualified sales in MOSSY OAK S/D across 2024–2025 (6 in 2024, 3 in 2025), median $409,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Mossy Oak S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Mossy Oak S/DPhotos from Emerald Coast MLS listings in Mossy Oak S/D; content deemed reliable but not guaranteed.
Who Mossy Oak S/D is best for.
Best for
- Buyers prioritizing square footage and newer construction over shared amenities
- Long-hold owner-occupants comfortable in a slow-turnover, rural setting
- Patient buyers willing to wait for the right listing in a low-inventory market
Probably not for
- Buyers who want pools, clubhouses, or other community amenities
- Shoppers who need many active listings to compare before deciding
- Investors chasing quick flips or high transaction volume
The market around Mossy Oak S/D
Mossy Oak S/D is too small for its own price trend, so here is the market around it.
In ZIP 32531, 42 homes are on the market and 38% are under contract — a fast-moving corner of Baker.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
In ZIP 32531 (Baker), 124 homes closed in the last 12 months at a median of $314K ($186/sq ft), up 15.2% year over year, with a median 54 days on market. Right now 24 active and 12 pending listings put supply at about 3.9 months — a balanced market. See the live ZIP 32531 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Mossy Oak S/D specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Mossy Oak S/D
Live MLS inventory for Mossy Oak 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 and pending Mossy Oak S/D listings as of 2026-10-19, 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.
Mossy Oak 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 contributors.
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Baker · Elementary
- Baker · Middle
- Baker · High
Zoned schools reflect the assignments reported on recent Mossy Oak 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 Mossy Oak S/D address.
Shop the zone: Homes zoned for Baker Elementary School · Homes zoned for Baker High School
The Mossy Oak S/D buying strategy.
If we were buying in Mossy Oak 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 Mossy Oak S/D.
A small, owner-held newer subdivision
The defining traits here are size and stability. Homes carry a median of roughly 2,829 square feet, and nearly 79% of them are homesteaded — a high owner-occupancy share that tends to mean well-kept properties and slow turnover. That combination keeps active inventory tight; three listings is a snapshot, not a marketplace, and the pace of sales reflects it.
This is not an amenity community — none were identified from current MLS listings — so what you are buying is the house and the setting, not a clubhouse or pool. Given the 2011-to-2024 build range, expect a spread of finishes from early-2010s to essentially new, which means condition and vintage, not a fixed price tier, will drive where any given home lands. There is no reliable price range to quote in a market this thin; evaluate each home on its own merits.
The location and the amenities are priced into every listing in Mossy Oak S/D. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a subdivision with only 3 active listings and 2 recent closings, generic pricing tools fall apart — there simply are not enough comps to lean on. We work these thin, owner-held markets by hand, weighing build year, square footage, and condition on each property, and we help buyers position quickly when the right home is one of very few on the market.
Mossy Oak S/D in 15 seconds.
What it really costs to own in Mossy Oak S/D
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $275/yr across 4 listings here (MLS tax records, 2026-10-20). |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Okaloosa County is $2,644/yr (1,101 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2025 across 4 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Mossy Oak S/D
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Mossy Oak S/D
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Mossy Oak S/D will answer, and the answer is published on this page for the next buyer.
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 Mossy Oak 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 Mossy Oak 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 Mossy Oak 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 Mossy Oak S/D home worth?
Get a no-obligation home value based on real comparable sales in Mossy Oak 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 Baker →
Recently off market in MOSSY OAK S/D
Homes in MOSSY OAK 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. 2 on record.
- 1513 Kais Street · off market
- 5390 Aidan Street · off market
| Location | Baker, Okaloosa County, FL · ZIP 32531 |
|---|---|
| Homes in the community | 79 (FL DOR 2025 assessment roll) |
| Years built | 2011–2024 (median 2015) |
| Typical living area | 2,947 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| For sale right now | 2 active, 3 pending · median asking $382,400 · 12.0 months of supply |
| Owner-occupied (homestead) share | 80% |
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, “Mossy Oak S/D key facts,” movewithmomentum.com/neighborhoods/mossy-oak-s-d, data as of September 20, 2026.
Housing distress & ownership in MOSSY OAK S/D, Baker
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.
Just listed in Mossy Oak S/D
The newest homes for sale in Mossy Oak S/D right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 1507 Kais Street $339,900 · 4 bd · 2 ba · 153 days on market Courtesy of The Property Group 850 Inc
- 1511 Kais Street $339,900 · 4 bd · 2 ba · 153 days on market Courtesy of The Property Group 850 Inc
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Mossy Oak S D Right Now (3)
All 3 active and pending Mossy Oak S D listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1509 Kais Street · $403,300 · 4 bd / 2 ba · pending · listed Sep 11, 2026 · listed by The Property Group 850 Inc
- 1507 Kais Street · $339,900 · 4 bd / 2 ba · listed Jul 22, 2026 · listed by The Property Group 850 Inc
- 1511 Kais Street · $339,900 · 4 bd / 2 ba · listed Jul 22, 2026 · listed by The Property Group 850 Inc
Recently sold in Mossy Oak S D
- 5390 Aidan Street · sold $395,000
- 1513 Kais Street · sold $316,370
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Baker home searches
- All homes for sale in Baker, FL
- Homes for sale in Okaloosa County, FL
- Homes under $300K in Baker
- Homes from $300K to $500K in Baker
- 4-bedroom homes for sale in Baker
- ZIP 32531 housing scorecard
- 2 coming-soon communities in Okaloosa County
Baker guides & data
Florida buyer guides
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Kais Street (15 homes on record)
32% of homes for sale in ZIP 32531 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 (2026-10-20).
Frequently Asked Questions
Is Mossy Oak S/D a buyer's or seller's market right now?
How many homes are in Mossy Oak S/D?
What share of Mossy Oak S/D is owner-occupied?
When were the homes in Mossy Oak S/D built?
Who is the best real estate agent for Mossy Oak S/D?
How do I find a top Baker real estate agent who knows Mossy Oak S/D?
Can Momentum Realty connect me with an agent for Mossy Oak S/D?
Where is Mossy Oak S/D, and what county is it in?
Should you buy in Mossy Oak 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: October 19, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32531)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (30 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 MOSSY OAK S/D fits the bigger picture — live prices, inventory, and Momentum Scores:
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Explore more neighborhoods near Mossy Oak S/D with Momentum Realty’s local guides.