Kelly Plantation S/D
Homes for Sale in Destin, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Homes For Sale Right Now in Kelly Plantation S/D
Live MLS inventory for Kelly Plantation S/D. 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 · 258 daysTop listing
Active · 107 days
Active · 549 days
Active · 70 days
Active · 97 days
Active · 23 days
Active · 213 daysActive · 55 days
Pending · 87 days
Pending · 171 daysActive and pending Kelly Plantation S/D 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.
Price here is driven by the homes themselves, not by a shared amenity package — none turned up in the current MLS listings. With a median build year of 2003, a range that runs from 1995 to 2024, and a median footprint near 3,894 square feet, what you pay tracks size, condition, and how recently a home has been updated. Expect a wide spread around the $1,300,000 median, sorted mostly by vintage and finish.
The current posture is patient. Median days on market sit at 59, the heat score is a middling 49, and prices are off 3.7% year over year — so this is not a market where buyers should feel rushed or sellers should expect a quick premium. Longer-run context is stronger: values are up 89% since 2012. Sellers should price to the current comps rather than last year's, and buyers have room to negotiate on homes that have been sitting.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Kelly Plantation S/D right now
🟡 Balanced market. 4.8 months of supply and 20% 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: High (10 active and pending listings, 5 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 9, 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 S/D market snapshot (as of November 9, 2026): the median sale price is about $1.53M, a median 57 days on market for closed sales, and 4.8 months of supply, a balanced market.
Kelly Plantation S/D is a community of 198 homes in Destin, Okaloosa County, built between 1996 and 2022 (median 2003), with a median living area of about 3,822 square feet. 76% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Kelly Plantation is an established Destin subdivision of 414 homes built largely in the early 2000s, trading at a $1,300,000 median that reflects house-by-house condition rather than any community amenity. A homestead share near 74% points to a predominantly owner-occupied streetscape.
The setting & the homes.
Aerial and on-site photos of Kelly Plantation S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Kelly Plantation S/DKelly Plantation S/DKelly Plantation S/DKelly Plantation S/DKelly Plantation S/DKelly Plantation S/DKelly Plantation S/DKelly Plantation S/DPhotos from Emerald Coast MLS listings in Kelly Plantation S/D; content deemed reliable but not guaranteed.
Who Kelly Plantation S/D is best for.
Best for
- Buyers with a budget around the $1.3M median seeking a large, established home
- Long-hold owners comfortable with a soft near-term market and stronger long-run trend
- Renovation-minded buyers looking to negotiate on an original-era home due for updates
Probably not for
- Buyers who require built-in community amenities like a pool or clubhouse
- Shoppers needing a wide selection right now, given only a handful of active listings
- Buyers expecting quick appreciation or a fast, competitive close
Housing distress & ownership in KELLY PLANTATION S/D, 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 S/D 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 Kelly Plantation S/D 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 S/D address.
The Kelly Plantation S/D buying strategy.
If we were buying in Kelly Plantation S/D 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 S/D.
A condition-driven market, not an amenity story
With no community amenities identified from current listings, value in Kelly Plantation comes down to the individual home. A build range from 1995 to 2024 means you'll see both original-era houses and newer construction on the same walk, and the median near 2003 tells you a large slice of inventory is now at the age where kitchens, roofs, and systems are either updated or due. That's where the negotiating leverage lives.
At roughly 3,894 square feet median living area, these are substantial homes, and the 74% homestead share suggests most are lived in rather than rented. Inventory is thin — 10 active listings against 19 closings in the window — so selection is limited, but the 59-day median and softer year-over-year pricing give a prepared buyer time to underwrite carefully. Match the median price to the median-condition home; anything meaningfully above or below it should be justified by finish level, not assumed.
The location and the amenities are priced into every listing in Kelly Plantation S/D. 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 Kelly Plantation S/D 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 (4.6). Basis: Liquidity & Demand 4.8 months of supply; Owner Commitment 76% owner-occupied; Pricing Power 86.7% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Because this is a condition-sorted market with thin inventory, the number that matters isn't the median — it's what a specific home's age, updates, and footprint justify against it. We read each listing against recent closings and flag when a home has been sitting long enough to negotiate, or priced to last year's peak rather than today's. Sellers get comps-based pricing; buyers get an honest read on where the leverage is.
Kelly Plantation S/D in 15 seconds.
Tools for a Kelly Plantation S/D 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 S/D 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 S/D, 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 S/D home worth?
Get a no-obligation home value based on real comparable sales in Kelly Plantation S/D, 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 Kelly Plantation S/D on the map →
Recent Developments in Kelly Plantation S D
Development, infrastructure, retail, and school activity affecting Kelly Plantation S D, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Retail & Dining
TJ Maxx to open 33,865-square-foot Destin store Nov. 1 at Paradise Key
The off-price retailer opens at 4437 Commons Drive East with a grand opening from 8 a.m. to 8 p.m. on Nov. 1. Regular hours run 9:30 a.m. to 9:30 p.m. daily, and the store sells apparel, accessories, jewelry, and home and beauty goods.
What it may mean for the marketA new national off-price anchor adds everyday shopping close to Destin's commercial corridor and may shorten trips for retail needs. The project is about 6 miles east of Kelly Plantation S D, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Infrastructure
Okaloosa outlines Gap Creek drainage projects and permitting hurdles in Fort Walton Beach
County staff described five stormwater efforts, including the Overbrook drainage work, a planned 2.67-acre Sylvania Heights stormwater park estimated at $4 million, and Lloyd Street and Mayflower Avenue improvements expected to go to bid in early 2027. Air Force environmental review and state and Army Corps permits for dredging complicate the timeline.
What it may mean for the marketPlanned drainage upgrades could reduce flooding exposure in the Gap Creek basin over time, though permitting delays mean relief is likely several years out. The project is about 6 miles west of Kelly Plantation S D, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Retail & Dining
7 Brew drive-thru coffee stand opens on Beal Parkway in Fort Walton Beach
The stand at 799 Beal Parkway opened Oct. 19 and is the chain's second in Fort Walton Beach. It is expected to add 75 local jobs, and an opening fundraiser raised $4,661 for an equine therapy nonprofit.
What it may mean for the marketA new drive-thru option along Beal Parkway adds early-morning and late-night food and beverage access and about 75 jobs nearby. The project is about 7 miles west of Kelly Plantation S D, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Parks & Amenities
Okaloosa and Cinco Bayou open upgraded boat ramp with new trailer parking
Okaloosa County and the Town of Cinco Bayou held a ribbon cutting for upgraded boat ramp facilities, including 16 new boat trailer parking spaces, a new restroom and landscaping. The $4.1 million total, funded largely by tourism development funds, also covers the $2.95 million purchase of a former bank building at 198 Eglin Parkway NE. Future dock improvements are planned.
What it may mean for the marketAdded trailer parking and ramp access improve waterfront recreation access for Fort Walton Beach area boaters. The project is about 5 miles west of Kelly Plantation S D, elsewhere in Okaloosa County.
Source: Get The Coast - September 2026Parks & Amenities
Destin and Okaloosa County agree on management of 4-acre Holiday Isle state park
Destin and Okaloosa County unanimously agreed to back Destin as manager and developer of the roughly four-acre state-acquired park on Holiday Isle near Norriego Point. In return, Destin council voted 5-2 to offer free parking to all Okaloosa County residents at city-owned lots and parks. The deal still requires state Board of Trustees and DEP review.
What it may mean for the marketManagement of the Holiday Isle park and city parking rules will affect public waterfront access and parking in Destin. The site is about 1 mile southeast of Kelly Plantation S D.
Source: Get The Coast - June 2026Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
What it may mean for the marketDirects state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 8 miles north of Kelly Plantation S D.
Source: Get The Coast
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Kelly Plantation S/D?
How long do homes in Kelly Plantation S/D take to sell?
Is Kelly Plantation S/D a buyer's or seller's market right now?
How many homes are in Kelly Plantation S/D?
What share of Kelly Plantation S/D is owner-occupied?
When were the homes in Kelly Plantation S/D built?
Who is the best real estate agent for Kelly Plantation S/D?
How do I find a top Destin real estate agent who knows Kelly Plantation S/D?
Can Momentum Realty connect me with an agent for Kelly Plantation S/D?
Should you buy in Kelly Plantation S/D?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Kelly Plantation S/D with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: November 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending November 9, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (7 streets, ZIP 32541)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (5 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.
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See how KELLY PLANTATION S/D fits the bigger picture — live prices, inventory, and Momentum Scores: