Kell-Aire Gardens
Homes for Sale in Destin, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-12, 3 recorded sales closed at a median of $475,000, a median 27 days on market, sellers accepting 97% of original asking (-6% versus the prior year). Homes listed or recently sold were built 1983–1994. At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $6,130 ($5,620 with the full homestead exemption).
Price here is driven by condition and lot, not by a menu of shared amenities. With no community amenities identified and a housing stock whose median build year is 1985, what a buyer pays tracks how much updating a given home has already absorbed. Expect a wide spread between homes taken back to the studs and those still wearing their original finishes.
The current posture is tight. There are zero active listings against 245 homes, and only two closings in the recent window, so inventory is thin and comparables are scarce. A seller who lists into this vacuum sets the tone; a buyer should be prepared to move on the right home quickly and to lean on an agent who can build value from limited recent data.
Kell-Aire Gardens right now
🟡 Off the recent peak. The trailing-12-month median ($475K) is down 6.4% from the prior 12 months ($508K) and up 115% since 2012. 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 12. Confidence: Low (3 and 5 sales in the two windows).
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Updated September 12, 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
Kell-Aire Gardens market snapshot (as of September 12, 2026): the median sale price is about $475K, and a median 27 days on market for closed sales. The trailing-12-month median is down 6% from the prior 12 months and up 115% since 2012, computed from record-level Emerald Coast MLS closed sales (3 closings in the current window).
Kell-Aire Gardens is an established Destin neighborhood of 245 homes built between 1967 and 2023, with roughly three-quarters homestead-owned — a settled, owner-occupied pocket rather than a rental churn.
The setting & the homes.
Aerial and on-site photos of Kell-Aire Gardens. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Kell-Aire Gardens
Kell-Aire Gardens
Kell-Aire GardensPhotos from Emerald Coast MLS listings in Kell-Aire Gardens; content deemed reliable but not guaranteed.
Who Kell-Aire Gardens is best for.
Best for
- Long-hold buyers who want a settled, owner-occupied Destin address and can wait for the right listing
- Renovation-minded buyers comfortable pricing and improving an older home
- Buyers who value location over a package of community amenities
Probably not for
- Buyers who need a pool, clubhouse, or gated amenities as part of the deal
- Buyers on a strict timeline who cannot wait out near-zero active inventory
- Buyers wanting uniform, new-construction finishes across the board
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($475K) IS the median in the snapshot above, and the move from 2025 ($508K) IS the -6.4% one-year change.
Windows contain 1 to 9 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.
KELL-AIRE GARDENS Market Scorecard
KELL-AIRE GARDENS is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32541 ZIP is $627,422, about 35.3% 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.
Kell-Aire Gardens 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.
The Kell-Aire Gardens buying strategy.
If we were buying in Kell-Aire Gardens 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 Kell-Aire Gardens.
An established pocket with a long build history
The homes span 1967 to 2023, with a median build year of 1985 and a median of about 2,171 living square feet. That range tells you this is not a uniform tract: original mid-size homes sit alongside newer infill, so two houses on the same street can differ sharply in systems, layout, and finish level. Diligence on roof, HVAC, and prior renovation matters more here than in a single-vintage subdivision.
A homestead share near 76% signals a stable, owner-occupied base and limited turnover. Combined with no active listings, that means opportunities surface irregularly. Buyers who want in should be watching, pre-approved, and ready; sellers benefit from scarcity but still need sharp pricing given how few recent comparables exist.
The location and the amenities are priced into every listing in Kell-Aire Gardens. 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 Kell-Aire Gardens 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 (6.7). Basis: Long-Term Appreciation +115% since 2012; Recent Direction -6.4% year-over-year; Pricing Power 97.1% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With no active listings and only two recent closings, this is a market where local read beats raw data. We track off-market movement, weigh condition against that 1985 median vintage, and price from the ground up rather than leaning on comps that barely exist. That discipline protects both a buyer stepping into thin inventory and a seller who wants scarcity to work in their favor without overreaching.
Kell-Aire Gardens 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 Kell-Aire Gardens 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 Kell-Aire Gardens sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Kell-Aire Gardens, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Kell-Aire Gardens home worth?
Get a no-obligation home value based on real comparable sales in Kell-Aire Gardens, 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 homes for sale in Kell-Aire Gardens on the map →
Frequently Asked Questions
What is the median home price in Kell-Aire Gardens?
How long do homes in Kell-Aire Gardens take to sell?
Have Kell-Aire Gardens home prices gone up?
Who is the best real estate agent for Kell-Aire Gardens?
How do I find a top Destin real estate agent who knows Kell-Aire Gardens?
Can Momentum Realty connect me with an agent for Kell-Aire Gardens?
Should you buy in Kell-Aire Gardens?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Kell-Aire Gardens with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 1993 (130 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 KELL-AIRE GARDENS fits the bigger picture — live prices, inventory, and Momentum Scores: