Kelly Plantation S/D
Homes for Sale in Destin, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
As of September 2026, Kelly Plantation S/D in Destin, FL has 10 homes for sale and 1 pending, asking from $949,900 to $15,000,000 (median $1,575,000). Over the 12 months ending 2026-09-12, 22 recorded sales closed at a median of $1,315,000, a median 58 days on market, sellers accepting 93% of original asking (-9% versus the prior year). Homes listed or recently sold were built 1996–2024; 3 of the 14 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $16,960 ($16,450 with the full homestead exemption).
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 · 757 daysTop listing
Active · 375 days
Active · 154 days
Active · 46 days
Active · 197 days
Active · 488 days
Active · 57 daysActive · 36 days
Active · 129 days
Active · 152 days
Pending · 222 daysActive and pending Kelly Plantation S/D listings as of 2026-09-12, 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.
Kelly Plantation S/D right now
🟡 Balanced market. 5.5 months of supply and 9% 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 September 12, 2026. Confidence: Very High (11 active and pending listings, 22 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($1.32M) is down 9.3% from the prior 12 months ($1.45M) and up 87% since 2012. With about 21 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: High (22 and 15 sales in the two windows).
What's unique here: the median sale price is about 4x the typical Okaloosa County sale ($1.32M vs $366K, trailing 12 months, Emerald Coast MLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
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
Kelly Plantation S/D market snapshot (as of September 12, 2026): the median sale price is about $1.32M, a median 59 days on market for closed sales, and 5.5 months of supply, a balanced market. The trailing-12-month median is down 9% from the prior 12 months and up 87% since 2012, computed from record-level Emerald Coast MLS closed sales (22 closings in the current window).
Kelly Plantation S/D is a community of 219 homes in Destin, Okaloosa County, built between 1996 and 2024 (median 2003), with a median living area of about 3,925 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
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 ($1.32M) IS the median in the snapshot above, and the move from 2025 ($1.45M) IS the -9.3% one-year change.
Windows contain 10 to 38 sales each (22 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.
KELLY PLANTATION S/D Market Scorecard
KELLY PLANTATION S/D is currently a balanced market. About 5.5 months of supply, a median asking price of $1,575,000, and homes go under contract in about 153 days.
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.
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, tiles © CARTO.
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 5 factors (5.5). Basis: Long-Term Appreciation +87% since 2012; Recent Direction -9.3% year-over-year; Liquidity & Demand 5.5 months of supply; Owner Commitment 76% owner-occupied; Pricing Power 93.2% 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.
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 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 →
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?
Have Kelly Plantation S/D home prices gone up?
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: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (8 streets, ZIP 32541)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 1997 (401 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 KELLY PLANTATION S/D fits the bigger picture — live prices, inventory, and Momentum Scores: