Kelly Plantation
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.
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $1,525,000, a median 12 days on market, sellers accepting 94% of original asking. Homes listed or recently sold were built 2001–2015; none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $19,660 ($19,160 with the full homestead exemption).
Villages & sections of Kelly Plantation
Kelly Plantation in Destin, FL is a master-planned community recorded as 4 named villages and sections in the MLS; 12 homes are for sale or pending across them today. Each village has its own page with its listings, sales history and HOA/CDD facts.
- Kelly Plantation S/D · 11 for sale · 22 sold/12 mo
- One Water Place at Kelly Plantation · 1 for sale · 4 sold/12 mo
- Brownstones at Kelly Plantation · 3 sold/12 mo
- Kelly Plantation - Carriage Place
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Amenities listed by sellers | Exercise Room, Gated, Golf, Pets Allowed, Playground, Pool |
| Sale prices, last 12 months | $1,525,000 median across 4 closed sales |
| Days on market (closed sales) | 12 median |
| For sale right now | 0 active, 0 pending |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “KELLY PLANTATION key facts,” movewithmomentum.com/neighborhoods/kelly-plantation, data as of September 20, 2026.
Price in Kelly Plantation is driven by the home itself, not by a shared amenity package. The median sits at $1,525,000, and with a median of roughly 3,810 square feet and build dates spanning 1995 to 2022, what you're paying for is size, finish level, and how recently a home has been updated. Expect a wide spread around that median depending on condition and vintage.
The market posture here is thin and quick. With only 2 active listings against a median of about 12 days on market, well-prepared homes move fast and buyers have little to choose from at any given moment. Sellers hold leverage on turnkey product; buyers should come pre-approved and ready to act, because waiting for options to pile up is not a strategy that works in this community.
Nearby homes for sale
No active listings inside KELLY PLANTATION 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
Kelly Plantation market snapshot (as of September 20, 2026): the median sale price is about $1.53M, and a median 13 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.
Emerald Coast MLS sales records identify 29 homes in KELLY PLANTATION that have changed hands since 2002, built between 1997 and 2017 (median 2004), with a median living area of about 3,387 sq ft and a typical 4-bedroom, 3.5-bath layout; 100% 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.
Kelly Plantation is a low-turnover Destin community of 246 homes where the majority are owner-occupied, so listings are relatively scarce and tend to be individual, condition-driven opportunities rather than a steady stream of inventory.
The setting & the homes.
Aerial and on-site photos of Kelly Plantation. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Kelly Plantation
Kelly Plantation
Kelly Plantation
Kelly PlantationPhotos from Emerald Coast MLS listings in Kelly Plantation; content deemed reliable but not guaranteed.
Who Kelly Plantation is best for.
Best for
- Buyers with a budget around the $1,525,000 median seeking substantial square footage
- Primary-residence buyers who value a low-turnover, owner-occupied setting
- Buyers prepared to act quickly when a well-presented home lists
Probably not for
- Buyers needing a wide selection of homes to compare at once
- Buyers whose value case depends on community amenities like pools or clubhouses
- Buyers seeking a smaller or lower-priced footprint than this market offers
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 ($1.53M) IS the median in the snapshot above.
Windows contain 0 to 8 sales each (4 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).
Kelly Plantation Market Scorecard
Kelly Plantation 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.
Housing distress & ownership in KELLY PLANTATION, 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.
Kelly Plantation 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 Kelly Plantation buying strategy.
If we were buying in Kelly Plantation 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 Kelly Plantation.
A large-home market with limited turnover
The housing stock skews substantial and relatively recent, with a median build year around 2004 and homes reaching as new as 2022. At a median near 3,810 square feet, this is a market of larger single-family homes, and the price you pay reflects square footage and how current the interior is more than any neighborhood-wide feature. No community amenities surfaced in current MLS data, so evaluate each home on its own merits.
About 76% of homes here carry a homestead exemption, which tells you this is largely a lived-in, primary-residence community rather than a rental-heavy one. That owner-occupied tilt is part of why so little comes up for sale at once, and why the days-on-market figure stays short when a well-presented home does list.
The location and the amenities are priced into every listing in Kelly Plantation. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with just two active listings and fast-moving inventory, timing and preparation decide outcomes. We track what actually trades in Kelly Plantation, help sellers position condition and finish against the median, and get buyers ready to move on the right home before it's gone. The value is in reading a thin, condition-driven market accurately.
Kelly Plantation 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 Kelly Plantation 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 Kelly Plantation sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Kelly Plantation, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Kelly Plantation home worth?
Get a no-obligation home value based on real comparable sales in Kelly Plantation, 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 KELLY PLANTATION
Homes in KELLY PLANTATION 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.
- 4311 Carriage Lane #4311 · off market
- 4350 Stonebridge Road · off market
Frequently Asked Questions
What is the median home price in Kelly Plantation?
How long do homes in Kelly Plantation take to sell?
Who is the best real estate agent for Kelly Plantation?
How do I find a top Destin real estate agent who knows Kelly Plantation?
Can Momentum Realty connect me with an agent for Kelly Plantation?
Where is Kelly Plantation, and what county is it in?
Should you buy in Kelly Plantation?
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 1, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2002 (42 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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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how KELLY PLANTATION fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Kelly Plantation
- Home values · What homes in Kelly Plantation actually sell for
Nearby Communities
Explore more neighborhoods near Kelly Plantation with Momentum Realty’s local guides.