Kell-Aire Gardens
Homes for Sale in Destin, FL
All 610 homes for sale in Destin, FL · median $639,900 · 601 homes for sale in 32541 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 6 closed sales in Kell-Aire Gardens 1ST Addn in Destin, FL since 2015, the most recent in December 2021. Across Destin as a whole, 418 homes closed in the last 12 months at a median of $730,000, 99 median days on market, with 314 homes for sale today. At that median 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).
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Homes in the community | 49 (FL DOR 2025 assessment roll) |
| Years built | 1978–2018 (median 1987) |
| Typical living area | 2,581 sq ft (median) |
| 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, “KELL-AIRE GARDENS 1ST ADDN key facts,” movewithmomentum.com/neighborhoods/kell-aire-gardens-1st-addn, data as of September 20, 2026.
Kell-Aire Gardens 1st Addn is a small pocket subdivision in Destin, and with no shared amenities on the books, price here is driven almost entirely by the individual home: its condition, its lot, and how recently it has been updated. There is no clubhouse, no gated entry, and no community pool to fold into value, so a renovated house and a tired one on the same street can trade at very different numbers.
For buyers, that means the work is in comparing homes, not communities — you are underwriting a specific property, not a lifestyle package. For sellers, it means condition is your lever: presentation and updates carry the negotiation, because there is no amenity story doing the selling for you. Bring a sharp eye to each listing and price to the house, not to the ZIP code.
Nearby homes for sale
No active listings inside KELL-AIRE GARDENS 1ST ADDN 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
A modest, established Destin subdivision with no identified community amenities, where value tracks the individual home rather than shared features. Location does the heavy lifting here: you are buying proximity to Destin, not a resort-style HOA.
Emerald Coast MLS sales records identify 97 homes in KELL-AIRE GARDENS that have changed hands since 2001, built between 1974 and 2015 (median 1985), with a median living area of about 1,836 sq ft and a typical 3-bedroom, 2-bath layout; 98% 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 5 qualified sales in KELL-AIRE GARDENS across 2024–2025 (3 in 2024, 2 in 2025), median $495,000 — 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.
Who Kell-Aire Gardens is best for.
Best for
- Buyers prioritizing a Destin location over community amenities
- Value-minded buyers who prefer no amenity dues and are willing to weigh homes individually
- Buyers targeting a specific updated or renovated property and pricing to its condition
Probably not for
- Buyers who want a pool, gate, or clubhouse included
- Buyers who lean on a strong amenity story for resale confidence
- Buyers who want a large, high-turnover market with deep comparable data
The market around Kell-Aire Gardens
Kell-Aire Gardens is too small for its own price trend, so here is the market around it.
In ZIP 32541, 720 homes are on the market and 13% are under contract — a slower corner of Destin.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
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.
ZIP and county figures describe the wider market, not Kell-Aire Gardens specifically. Momentum Research analysis of MLS records.
Kell-Aire Gardens by the numbers
From county property records and closed MLS sales for the Kell-Aire Gardens subdivision: 6 homes on record; built 1982–1996; typical size about 1,786 heated sq ft; 3.5 bedrooms is the median. Housing mix: single-family 66%, townhome 33%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2015 | 1 | $335,000 |
| 2018 | 2 | $254,999 |
| 2020 | 1 | $400,000 |
| 2021 | 2 | $437,500 |
Newest recorded sale: $415,000 on 2021-12-22.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
Housing distress & ownership in KELL-AIRE GARDENS 1ST ADDN, 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.
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.
Buying the house, not the community
Because current MLS listings show no shared amenities, there is little that homogenizes value across Kell-Aire Gardens 1st Addn. That cuts both ways. On the plus side, there are no community dues buying you facilities you may never use, and no amenity premium baked into every sale. On the other, there is no built-in draw to lean on at resale — the home has to stand on its own.
Practically, this rewards a disciplined comp process. Look hard at condition, systems, roof age, and lot specifics on each property, and weight those over any neighborhood narrative. In a Destin submarket this small, one or two recent sales can swing the read, so treat pricing as home-specific and be ready to justify your number from the property itself.
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.
Why work with Momentum here
In a small subdivision with no amenity story and thin comparable data, the analysis has to be property-level and honest. We read each home on its own merits — condition, lot, systems — and price to the house rather than to the ZIP code, and we will tell you plainly when a specific listing does not pencil for your goals.
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 all homes for sale in Destin →
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.
Frequently Asked Questions
How many homes are in Kell-Aire Gardens?
What share of Kell-Aire Gardens is owner-occupied?
When were the homes in Kell-Aire Gardens built?
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?
Where is Kell-Aire Gardens, and what county is it in?
Should you buy in Kell-Aire Gardens?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32541)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2015 (6 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 1ST ADDN fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
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