Destiny by the Sea S/D
Homes for Sale in Destin, FL
All 556 homes for sale in Destin, FL · median $649,000 · 561 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
As of November 2026, Destiny By the Sea S/D in Destin, FL has 2 homes for sale. Over the 12 months ending 2026-11-09, 3 recorded sales closed at a median of $2,451,000, a median 105 days on market, sellers accepting 84% of original asking. Homes listed or recently sold were built 1998–2022; 7 of 7 report an HOA (median $488/mo); none of the 7 geocoded homes sit in a FEMA special flood hazard zone (median elevation 17 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $31,610 ($31,100 with the full homestead exemption).
Last 30 days in Destiny by the Sea S/D: 1 closed sale (median $2,451,000). As of November 14, 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.
Destiny by the Sea is a small gated enclave near the water in Destin, and the price here is driven far more by proximity, lot position, and build quality than by any predictable per-square-foot math. With a median around $1.66M, this is a top-of-market coastal address, and the spread between a dated property and a fully realized one can be wide. Treat the median as a reference point, not a menu.
The current posture favors the patient. Homes are sitting a median of 108 days, and the year-over-year median is down 34.9% — a signal that sellers who priced to last year's expectations are recalibrating. For a buyer, that means room to negotiate and time to underwrite. For a seller, it means pricing to today and being honest about condition, because the market is not bidding blind.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Destiny by the Sea S/D right now
🟡 Balanced market. 4.8 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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 November 9, 2026. Confidence: Low (2 active and pending listings, 3 closed sales in 12 months).
What's unique here: the median sale price is about 7x the typical Okaloosa County sale ($2.45M vs $372K, trailing 12 months, Emerald Coast MLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 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
Destiny by the Sea S/D market snapshot (as of November 9, 2026): the median sale price is about $2.45M, a median 105 days on market for closed sales, and 4.8 months of supply, a balanced market.
In ZIP 32541 (Destin), 150 homes closed in the last 12 months at a median of $740K ($199/sq ft), down 17.6% year over year, with a median 103 days on market. Right now 190 active and 16 pending listings put supply at about 15.2 months — a soft market. See the live ZIP 32541 housing market and the Okaloosa County market.
County records show 14 qualified sales in DESTINY BY THE SEA S/D across 2024–2025 (3 in 2024, 11 in 2025), median $2.30M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Destiny by the Sea S/D is a community of 104 homes in Destin, Okaloosa County, built between 1997 and 2024 (median 2002.0), with a median living area of about 4,272 square feet. 4% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
This is a low-inventory, high-ticket coastal pocket in Destin — only a handful of homes trade here in any given window, so each listing and each closing moves the reading. Thin data cuts both ways: it rewards buyers who wait and sellers who price precisely.
The setting & the homes.
Aerial and on-site photos of Destiny by the Sea S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Destiny by the Sea S/D
Destiny by the Sea S/D
Destiny by the Sea S/D
Destiny by the Sea S/D
Destiny by the Sea S/D
Destiny by the Sea S/D
Destiny by the Sea S/DPhotos from Emerald Coast MLS listings in Destiny by the Sea S/D; content deemed reliable but not guaranteed.
Who Destiny by the Sea S/D is best for.
Best for
- Buyers with a seven-figure budget targeting a gated coastal address who value the negotiating leverage a slow market provides
- Cash or well-qualified buyers willing to underwrite a single property on its own merits rather than lean on comps
- Long-hold owners who care more about lot and location than a fast resale
Probably not for
- Buyers needing entry-level pricing — this is a top-of-market address
- Anyone requiring a fast, liquid transaction in a market averaging over 100 days on market
- Buyers who want amenity-rich community features, as none are identified in current listings
Homes For Sale Right Now in Destiny by the Sea S/D
Live MLS inventory for Destiny by the Sea 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 Destiny by the Sea S/D listings as of 2026-11-14, 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.
Destiny by the Sea 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
- Destin · Elementary
- Destin · Middle
- Destin · High
Zoned schools reflect the assignments reported on recent Destiny by the Sea 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 Destiny by the Sea S/D address.
Shop the zone: Homes zoned for Fort Walton Beach High School · Homes zoned for Destin High School
The Destiny by the Sea S/D buying strategy.
If we were buying in Destiny by the Sea 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 Destiny by the Sea S/D.
A thin, high-ticket coastal market
With just 3 active listings and 3 closings in the recent window, this is a market you read one home at a time. There is no deep comp set to lean on, so valuation comes down to the specifics of the property — orientation, lot, elevation, and the quality of the build and finishes. Averages mislead here; the story is always in the individual listing.
The 108-day median days-on-market and the sharp year-over-year decline tell you the same thing from two directions: demand at this price point is selective and unhurried. That is not a distress signal, but it is a negotiating environment. Bring a clear number, know what you are underwriting, and don't assume competition where the data shows none.
The location and the amenities are priced into every listing in Destiny by the Sea 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 Destiny by the Sea 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 3 factors (1.9). Basis: Liquidity & Demand 4.8 months of supply; Owner Commitment 4% owner-occupied; Pricing Power 83.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this thin, generic comps do more harm than good. We underwrite each home on its own merits — lot, elevation, condition, and how it actually sits relative to the water — and we translate a soft, slow-moving median into a defensible number, whether you are making an offer or setting an ask. When the data is sparse, judgment is the product, and that is what we bring.
Destiny by the Sea S/D in 15 seconds.
Tools for a Destiny by the Sea 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 Destiny by the Sea 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 Destiny by the Sea 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 Destiny by the Sea S/D home worth?
Get a no-obligation home value based on real comparable sales in Destiny by the Sea 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 DESTINY BY THE SEA S/D
Homes in DESTINY BY THE SEA 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. 3 on record.
- 4736 Ocean Boulevard · off market
- 4772 Ocean Boulevard · off market
- 4782 Ocean Boulevard · off market
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Homes in the community | 104 (FL DOR 2025 assessment roll) |
| Years built | 1997–2024 (median 2002.0) |
| Typical living area | 4,272 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Beach, Gated, Pool, Short Term Rental - Allowed, Waterfront, Community Room |
| Sale prices, last 12 months | $2,451,000 median across 3 closed sales |
| Days on market (closed sales) | 105 median |
| For sale right now | 2 active, 0 pending · median asking $2,049,000 · 4.8 months of supply |
| Owner-occupied (homestead) share | 4% |
Data as of November 9, 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, “Destiny by the Sea S/D key facts,” movewithmomentum.com/neighborhoods/destiny-by-the-sea-s-d, data as of November 9, 2026.
Housing distress & ownership in DESTINY BY THE SEA 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.
Just listed in Destiny by the Sea S/D
The newest homes for sale in Destiny by the Sea S/D right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 37 Conch Cay $1,799,000 · 4 bd · 5 ba · listed Sep 12, 2026 Courtesy of EXP Realty LLC
- 4846 Ocean Boulevard $2,299,000 · 4 bd · 5.5 ba · listed May 17, 2024 Courtesy of Five Star Properties RE FL Inc
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Destiny By The Sea S D Right Now (2)
All 2 active and pending Destiny By The Sea S D listings with a detail page, newest first, refreshed twice a day from the MLS.
- 37 Conch Cay · $1,799,000 · 4 bd / 5 ba · listed Sep 12, 2026 · listed by EXP Realty LLC
- 4846 Ocean Boulevard · $2,299,000 · 4 bd / 5.5 ba · listed Aug 15, 2026 · listed by Five Star Properties RE FL Inc
Recently sold in Destiny By The Sea S D
- 4782 Ocean Boulevard · sold $2,451,000
- 4772 Ocean Boulevard · sold $12,100,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Destin home searches
- All homes for sale in Destin, FL
- Homes for sale in Okaloosa County, FL
- Destin pool homes for sale
- Destin waterfront homes for sale
- Gated communities in Destin
- Destin home values: what is my house worth?
Destin guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Property taxes (Okaloosa County)
- Homestead exemption (Okaloosa County)
- Home insurance cost
- New construction
- New construction (Okaloosa County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Ocean Boulevard (24 homes on record)
What it really costs to own in Destiny by the Sea 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 $17,282/yr across 4 listings here (MLS tax records, 2026-11-14). |
|---|---|
| HOA dues | Median $488/month across 5 MLS listings (most billed quarterly; 2026-11-14). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| 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 2007 across 5 listings. An original roof here would be about 19 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Destiny by the Sea 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 Destiny by the Sea S/D
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Destiny by the Sea S/D will answer, and the answer is published on this page for the next buyer.
12% 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 (2026-11-14).
Frequently Asked Questions
What is the median home price in Destiny by the Sea S/D?
How long do homes in Destiny by the Sea S/D take to sell?
Is Destiny by the Sea S/D a buyer's or seller's market right now?
How many homes are in Destiny by the Sea S/D?
What share of Destiny by the Sea S/D is owner-occupied?
When were the homes in Destiny by the Sea S/D built?
Who is the best real estate agent for Destiny by the Sea S/D?
How do I find a top Destin real estate agent who knows Destiny by the Sea S/D?
Can Momentum Realty connect me with an agent for Destiny by the Sea S/D?
Where is Destiny by the Sea S/D, and what county is it in?
Should you buy in Destiny by the Sea 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: November 14, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending November 9, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32541)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (3 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. A Momentum agent can price yours against live local comps.
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See how DESTINY BY THE SEA S/D fits the bigger picture — live prices, inventory, and Momentum Scores: