Gulf Manor S/D
Homes for Sale in Destin, FL
All 602 homes for sale in Destin, FL · median $629,000 · 394 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, 3 recorded sales closed at a median of $410,000, a median 6 days on market, sellers accepting 98% of original asking. Homes listed or recently sold were built 1984–1986; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 21 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $5,290 ($4,780 with the full homestead exemption).

Gulf Manor is a small, established pocket in Destin where the homes date from 1971 to 2015, with the middle of the stock built around 1984. That age range tells you what drives price here: condition and updates, not floor plans off a builder's menu. A renovated house and a dated one on the same street can sit far apart on price, so the spread is wide and condition-driven. Median living space sits around 1,748 square feet, so most of these are right-sized, single-block homes rather than sprawling new construction.
As of July 2026 there are no active listings and only one closing in the recent window, so this is a thin, low-turnover market. A high homestead share — about 71% owner-occupied — reinforces that: people tend to stay, and inventory rarely comes up. For a buyer, that means patience and readiness to move when something lists. For a seller, it means limited direct competition, but also limited comps, so pricing has to lean on condition and the few data points available.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside GULF MANOR 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
Gulf Manor S/D market snapshot (as of September 20, 2026): the median sale price is about $410K, and a median 6 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 7 qualified sales in GULF MANOR S/D across 2024–2025 (4 in 2024, 3 in 2025), median $415,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Gulf Manor S/D is a community of 100 homes in Destin, Okaloosa County, built between 1971 and 2015 (median 1984.0), with a median living area of about 1,748 square feet. 71% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Gulf Manor is a small, mostly owner-occupied Destin subdivision of roughly 100 homes with almost no listing activity right now — the kind of place you buy into when something rare comes open, not when you're shopping on a timeline.
The setting & the homes.
Aerial and on-site photos of Gulf Manor S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Emerald Coast MLS listings in Gulf Manor S/D; content deemed reliable but not guaranteed.
Who Gulf Manor S/D is best for.
Best for
- Patient buyers targeting a specific Destin pocket who can wait months for the right listing
- Buyers comfortable renovating an older home and willing to price accordingly
- Long-hold owners who value a stable, low-turnover street over amenities
Probably not for
- Buyers on a tight closing deadline who need available inventory now
- Anyone wanting new construction, HOA amenities, or a large square-footage home
- Buyers who need deep comp data to feel confident about value
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 ($410K) IS the median in the snapshot above.
Windows contain 0 to 3 sales each (3 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.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Okaloosa County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Okaloosa County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
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).
Gulf Manor S/D Market Scorecard
Gulf Manor 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.
Gulf Manor 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.
The Gulf Manor S/D buying strategy.
If we were buying in Gulf Manor 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 Gulf Manor S/D.
A condition-driven, low-turnover pocket
With a build range spanning 1971 to 2015 and a median vintage of 1984, the housing stock here is a mix of original older homes and later infill. That variety matters because there's no single template — what you pay depends heavily on how much work has already been done. The single median price figure you'll see for this community masks a genuinely wide range between untouched and fully updated houses, so read every listing on its own merits rather than assuming the median describes any specific home.
No community amenities were identified from current MLS listings, so the draw here is location and the homes themselves rather than shared facilities. Destin's coastal setting and the general pull of Okaloosa County do the work amenities might elsewhere. With zero active listings and just one recent closing, expect to wait for the right opportunity and to act decisively when it appears.
The location and the amenities are priced into every listing in Gulf Manor S/D. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Thin-inventory neighborhoods like Gulf Manor reward local wiring more than search alerts. With no active listings and few recent comps, we help buyers get positioned before a home hits the market and help sellers price against condition and scarce data rather than a crowded field. In a market this quiet, the difference is knowing when a number is real and when it's a guess.
Gulf Manor S/D in 15 seconds.
Email me new listings in Gulf Manor S/DHomes for Sale
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 Gulf Manor S/DHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Gulf Manor S/DHomes for Sale will answer, and the answer is published on this page for the next buyer.
What it really costs to own in Gulf Manor S/DHomes for Sale
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 $3,448/yr across 3 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 1985 across 3 listings. An original roof here would be about 41 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. |
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 Gulf Manor 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 Gulf Manor 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 Gulf Manor 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 Gulf Manor S/D home worth?
Get a no-obligation home value based on real comparable sales in Gulf Manor 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 GULF MANOR S/D
Homes in GULF MANOR 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.
- 368 Evergreen Circle · off market
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Homes in the community | 100 (FL DOR 2025 assessment roll) |
| Years built | 1971–2015 (median 1984.0) |
| Typical living area | 1,748 sq ft (median) |
| Sale prices, last 12 months | $410,000 median across 3 closed sales |
| Days on market (closed sales) | 6 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 71% |
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, “Gulf Manor S/D key facts,” movewithmomentum.com/neighborhoods/gulf-manor-s-d, data as of September 20, 2026.
Housing distress & ownership in GULF MANOR 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.
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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
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Frequently Asked Questions
What is the median home price in Gulf Manor S/D?
How long do homes in Gulf Manor S/D take to sell?
How many homes are in Gulf Manor S/D?
What share of Gulf Manor S/D is owner-occupied?
When were the homes in Gulf Manor S/D built?
Who is the best real estate agent for Gulf Manor S/D?
How do I find a top Destin real estate agent who knows Gulf Manor S/D?
Can Momentum Realty connect me with an agent for Gulf Manor S/D?
Where is Gulf Manor S/D, and what county is it in?
Should you buy in Gulf Manor 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) |
| 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 (2 streets, ZIP 32541)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1994 (24 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 GULF MANOR S/D fits the bigger picture — live prices, inventory, and Momentum Scores:
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