Kelly Plantation
Homes for Sale in Destin, FL
All 570 homes for sale in Destin, FL · median $639,450 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of November 2026, Kelly Plantation in Destin, FL has 1 home for sale. Homes listed or recently sold were built 2001–2015; 5 of 5 report an HOA (median $327/mo); none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft).
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 · 10 for sale · 5 sold/12 mo
- Kelly Plantation - Carriage Place · 1 for sale
- One Water Place at Kelly Plantation · 1 for sale
- Brownstones at Kelly Plantation
Last 30 days in Kelly Plantation: 2 new listings (median asking $1,697,000). As of November 11, 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.
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.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Kelly Plantation right now
🟡 Balanced market. 4.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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 November 9, 2026. Confidence: Low (1 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 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
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.
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.
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 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
The market around Kelly Plantation
Kelly Plantation is too small for its own price trend, so here is the market around it.
Across Okaloosa County, 1,691 homes are active and 403 pending (19% under contract).
ZIP and county figures describe the wider market, not Kelly Plantation specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Kelly Plantation
Live MLS inventory for Kelly Plantation. 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 and pending Kelly Plantation listings as of 2026-11-12, 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.
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 contributors.
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Destin · Elementary
- Destin · Middle
- Fort Walton Beach · High
Zoned schools reflect the assignments reported on recent Kelly Plantation 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 Kelly Plantation address.
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.
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. 3 on record.
- 392 Terrapin · off market
- 4311 Carriage Lane #4311 · off market
- 4350 Stonebridge Road · off market
| Location | Destin, Okaloosa County, FL |
|---|---|
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Exercise Room, Gated, Golf, Playground, Pool, Tennis Court(s) |
| For sale right now | 1 active, 0 pending · median asking $1,499,000 · 4.0 months of supply |
Data as of November 9, 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 November 9, 2026.
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.
Just listed in Kelly Plantation
The newest homes for sale in Kelly Plantation right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 400 Terrapin Trc $1,895,000 · 5 bd · 4 ba · listed Nov 11, 2026 Courtesy of Berkshire Hathaway HomeServices
- 392 Terrapin Trace $1,499,000 · 3 bd · 3.5 ba · listed Nov 2, 2026 Courtesy of Coldwell Banker Realty
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Kelly Plantation Right Now (2)
All 2 active and pending Kelly Plantation listings with a detail page, newest first, refreshed twice a day from the MLS.
- 400 Terrapin Trc · $1,895,000 · 5 bd / 4 ba · listed Nov 10, 2026 · listed by Berkshire Hathaway HomeServices
- 392 Terrapin Trace · $1,499,000 · 3 bd / 3.5 ba · listed Nov 1, 2026 · listed by Coldwell Banker Realty
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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
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Carriage Lane (3 homes on record)
- Carriage Lane (2 homes on record)
- Stonebridge Road (2 homes on record)
- Kelly Plantation Drive (1 homes on record)
11% 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 (2026-11-12).
What it really costs to own in Kelly Plantation
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 $11,219/yr across 3 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $327/month across 3 MLS listings (most billed quarterly; 2026-11-12). 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 2005 across 3 listings. An original roof here would be about 21 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. |
Email me new listings in Kelly Plantation
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 Kelly Plantation
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Kelly Plantation will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
Is Kelly Plantation a buyer's or seller's market right now?
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: November 12, 2026) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
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.
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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.
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See how KELLY PLANTATION fits the bigger picture — live prices, inventory, and Momentum Scores: