Harbor Landing
Condos for Sale in Destin, FL
All 591 homes for sale in Destin, FL · median $639,000 · 346 condos for sale in Destin · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
As of November 2026, Harbor Landing in Destin, FL has 8 homes for sale and 1 pending, asking from $649,000 to $2,995,000 (median $972,500). Over the 12 months ending 2026-09-20, 7 recorded sales closed at a median of $730,000, a median 89 days on market, sellers accepting 90% of original asking. Homes listed or recently sold were built 2006–2006; 14 of 14 report an HOA (median $1,861/mo); none of the 14 geocoded homes sit in a FEMA special flood hazard zone (median elevation 10 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $9,410 ($8,900 with the full homestead exemption).
Last 30 days in Harbor Landing: 2 new listings (median asking $1,995,000), 1 under contract right now. As of November 8, 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 Harbor Landing
Live MLS inventory for Harbor Landing. 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 · 10 daysTop listing
Active · 77 days
Active · 101 daysActive · 5 days
Active · 117 days
Active · 288 days
Active · 230 days
Active · 196 days
Pending · 116 daysActive and pending Harbor Landing listings as of 2026-11-06, 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.
Harbor Landing in Destin is a small, thin market right now, and the median sits at $697,500. With only a handful of active listings and a short run of recent closings, that median tells you less about a fixed price band and more about what has actually traded. Condition, position, and how close a home is to the water are doing most of the work here — the spread around that median can be wide, and no two listings are priced off the same template.
The posture is slow. Homes are taking just over 100 days to move, and the year-over-year change is down sharply. A buyer has time, room to negotiate, and no reason to rush. A seller has to price to the current market, not last year's, and should expect the property to sit unless it is genuinely dialed in on condition and presentation.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Harbor Landing right now
🟢 Buyer-leaning market. 16.0 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: High (8 active and pending listings, 7 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($730K) is down 29.1% from the prior 12 months ($1.03M). With about 6 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: Low (7 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 8, 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
Harbor Landing market snapshot (as of September 20, 2026): the median sale price is about $730K, a median 89 days on market for closed sales, and 16.0 months of supply, a buyer-leaning market. The trailing-12-month median is down 29% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (7 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 7.4 months — a soft market. See the live ZIP 32541 housing market and the Okaloosa County market.
County records show 5 qualified sales in HARBOR LANDING across 2024–2024, median $345,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Harbor Landing is a community of 122 homes in Destin, Okaloosa County, built between 1968 and 2024 (median 1976.0), with a median living area of about 629 square feet. 10% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Harbor Landing is a low-volume Destin market where the median of $697,500 reflects a handful of trades rather than a deep, liquid pool of comparable sales. Read each listing on its own merits.
The setting & the homes.
Aerial and on-site photos of Harbor Landing. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Harbor LandingHarbor LandingHarbor LandingHarbor LandingHarbor LandingHarbor LandingHarbor LandingHarbor LandingPhotos from Emerald Coast MLS listings in Harbor Landing; content deemed reliable but not guaranteed.
Who Harbor Landing is best for.
Best for
- Buyers targeting the roughly $697,500 median who can move deliberately and negotiate
- Purchasers who value a Destin location over shared amenities
- Anyone willing to do careful condition and comparable analysis before offering
Probably not for
- Buyers who need to close on a tight timeline in an active, fast market
- Those who want an amenity-rich community with shared facilities
- Anyone counting on a predictable, deep pool of comparable sales to anchor 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 ($730K) IS the median in the snapshot above, and the move from 2025 ($1.03M) IS the -29.1% one-year change.
Windows contain 1 to 10 sales each (7 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.
10% 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 (2026-11-08).
Harbor Landing Market Scorecard
Harbor Landing is currently a buyer-leaning market. About 16.0 months of supply, a median asking price of $925,000, and homes go under contract in about 117 days.
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.
Harbor Landing 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 Harbor Landing 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 Harbor Landing address.
Shop the zone: Homes zoned for Fort Walton Beach High School · Homes zoned for Destin High School
The Harbor Landing buying strategy.
If we were buying in Harbor Landing 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 Harbor Landing.
A thin, slow-moving market
The numbers here point to a buyer's market. Seven active listings against six closings in the window is a modest pipeline, and a median of just over 100 days on market tells you inventory is not clearing quickly. The market heat score of 22 confirms the temperature: this is not a place where you make snap decisions or waive contingencies to win.
The year-over-year figure is down 39.1%, which is a large swing on a small sample and should be read with caution rather than as a trend line you can extrapolate. No community amenities surface from the current MLS listings, so the value proposition is the individual home and its Destin location, not shared facilities. That puts the burden on due diligence: inspect thoroughly, study each property's condition, and price your offer off the specific comparables that fit it.
The location and the amenities are priced into every listing in Harbor Landing. 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 Harbor Landing 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 4 factors (1.1). Basis: Recent Direction -29.1% year-over-year; Liquidity & Demand 16.0 months of supply; Owner Commitment 10% owner-occupied; Pricing Power 89.9% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a thin market like Harbor Landing, one or two sales can distort the median, so the wrong read costs you real money. We work the individual comparables, weigh condition and location property by property, and help you set an offer or a list price that reflects today's slow posture rather than a stale number. When a listing does not fit your goals, we say so.
Harbor Landing in 15 seconds.
Tools for a Harbor Landing 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 Harbor Landing sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Landing, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbor Landing home worth?
Get a no-obligation home value based on real comparable sales in Harbor Landing, 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 HARBOR LANDING
Homes in HARBOR LANDING 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.
- 725 Gulf Shore Drive #401A · off market
- 725 Gulf Shore Drive #Unit 503A · off market
| Location | Destin, Okaloosa County, FL · ZIP 32540, 32541, 32550 |
|---|---|
| Homes in the community | 122 (FL DOR 2025 assessment roll) |
| Years built | 1968–2024 (median 1976.0) |
| Typical living area | 629 sq ft (median) |
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | Elevators, Exercise Room, Gated, Pool, BBQ Pit/Grill, Dock |
| Sale prices, last 12 months | $730,000 median across 7 closed sales · -29.1% vs the prior 12 months |
| Days on market (closed sales) | 89 median |
| For sale right now | 8 active, 0 pending · median asking $925,000 · 16.0 months of supply |
| Owner-occupied (homestead) share | 10% |
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, “Harbor Landing key facts,” movewithmomentum.com/neighborhoods/harbor-landing, data as of September 20, 2026.
Housing distress & ownership in HARBOR LANDING, 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 Harbor Landing
The newest homes for sale in Harbor Landing right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 725 Gulf Shore Drive #UNIT 505B $995,000 · 3 bd · 3 ba · listed Oct 31, 2026 Courtesy of REV Realty
- 725 Gulf Shore Drive #901A $2,995,000 · 4 bd · 4.5 ba · listed Oct 26, 2026 Courtesy of ERA American Real Estate
- 725 Gulf Shore Drive #UNIT 801A $1,325,000 · 3 bd · 3.5 ba · listed Aug 20, 2026 Courtesy of Mainsail Realty Company
- 725 Gulf Shore Drive #303A $1,045,000 · 3 bd · 3.5 ba · listed Jul 27, 2026 Courtesy of Compass
- 725 Gulf Shore Drive #403A $950,000 · 3 bd · 3.5 ba · listed Jul 11, 2026 Courtesy of Mainsail Realty Company
- 725 Gulf Shore Drive #UNIT 202B $649,000 · 2 bd · 2 ba · listed Apr 23, 2026 Courtesy of Cindy Cole Fine Homes LLC
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Harbor Landing Right Now (9)
All 9 active and pending Harbor Landing listings with a detail page, newest first, refreshed twice a day from the MLS.
- 725 Gulf Shore Drive #Unit 505B · $995,000 · 3 bd / 3 ba · listed Oct 31, 2026 · listed by REV Realty
- 725 Gulf Shore Drive #901A · $2,995,000 · 4 bd / 4.5 ba · listed Oct 26, 2026 · listed by ERA American Real Estate
- 725 Gulf Shore Drive #Unit 801A · $1,325,000 · 3 bd / 3.5 ba · listed Aug 20, 2026 · listed by Mainsail Realty Company
- 725 Gulf Shore Drive #303A · $1,045,000 · 3 bd / 3.5 ba · listed Aug 8, 2026 · listed by Compass
- 725 Gulf Shore Drive #403A · $950,000 · 3 bd / 3.5 ba · listed Aug 8, 2026 · listed by Mainsail Realty Company
- 725 Gulf Shore Drive #Unit 202B · $649,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by Cindy Cole Fine Homes LLC
- 725 Gulf Shore Drive #Unit 604B · $690,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by EXP Realty LLC
- 725 Gulf Shore Drive #101B · $860,000 · 3 bd / 3 ba · listed Aug 8, 2026 · listed by Keller Williams Realty Destin
- 725 Gulf Shore Drive #504A · $1,040,000 · 3 bd / 3.5 ba · pending · listed Aug 8, 2026 · listed by Mainsail Realty Company
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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
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
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What it really costs to own in Harbor Landing
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 $6,741/yr across 5 listings here (MLS tax records, 2026-11-08). |
|---|---|
| HOA dues | Median $1,853/month across 6 MLS listings (most billed monthly; 2026-11-08). 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 2006 across 5 listings. An original roof here would be about 20 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. |
Estimated carrying cost at the median asking price, before the mortgage: about $2,635/month (tax $562, HOA $1,853, insurance $220). An estimate from the sources above, not a quote.
Email me new listings in Harbor Landing
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 Harbor Landing Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harbor Landing Condos for Sale will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Harbor Landing?
How long do homes in Harbor Landing take to sell?
Is Harbor Landing a buyer's or seller's market right now?
How many homes are in Harbor Landing?
What share of Harbor Landing is owner-occupied?
When were the homes in Harbor Landing built?
Who is the best real estate agent for Harbor Landing?
How do I find a top Destin real estate agent who knows Harbor Landing?
Can Momentum Realty connect me with an agent for Harbor Landing?
Where is Harbor Landing, and what county is it in?
Is Harbor Landing a good place to live?
Should you buy in Harbor Landing?
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 6, 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 (1 streets, ZIP 32540/32541/32550)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2006 (156 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. A Momentum agent can price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how HARBOR LANDING fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Harbor Landing Condos for Sale in Destin
- Home values · What homes in Harbor Landing Condos for Sale in Destin actually sell for