Kellys
Homes for Sale in Destin, FL
All 602 homes for sale in Destin, FL · median $629,000 · 607 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
As of October 2026, Kellys Addn To Destin in Destin, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $652,000, a median 11 days on market, sellers accepting 98% of original asking. Homes listed or recently sold were built 1971–2000; none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 16 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $8,410 ($7,900 with the full homestead exemption).
Last 30 days in Kellys: 1 new listing (median asking $425,000). As of October 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.
Price here is driven by land and location, not by the buildings sitting on it. This is an older pocket of Destin with a median build year of 1983 and homes going all the way back to 1954, so the median near $831,000 reflects what a lot in this part of town is worth as much as what the house delivers. Expect a wide condition spread — original mid-century cottages next to rebuilds through 2022 — and price your expectations to the specific property, not the median.
The market posture is fast and thin. Half of recent sales moved in roughly nine to ten days against a single active listing, so when something priced right hits, it goes. Buyers should be pre-approved and ready to move; sellers of a well-prepared home have leverage, but with only four closings in the window, one or two comps swing the read, so lean on current condition and lot rather than a headline average.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Kellys right now
🔴 Seller-leaning market. 2.4 months of supply and 0% of the inventory already under contract give sellers the pressure advantage.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 20, 2026. Confidence: Medium (1 active and pending listings, 5 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 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
Kellys market snapshot (as of September 20, 2026): the median sale price is about $652K, a median 11 days on market for closed sales, and 2.4 months of supply, a seller-leaning market.
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.
County records show 4 qualified sales in KELLYS across 2024–2025 (2 in 2024, 2 in 2025), median $1.23M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Kellys is a community of 147 homes in Destin, Okaloosa County, built between 1954 and 2022 (median 1982.0), with a median living area of about 1,869 square feet. 54% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
KELLYS ADDN TO DESTIN is a small, established in-town Destin enclave of about 149 homes where the value case is the parcel and the position within Destin, not a uniform housing stock.
The setting & the homes.
Aerial and on-site photos of Kellys. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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KellysPhotos from Emerald Coast MLS listings in Kellys; content deemed reliable but not guaranteed.
Who Kellys is best for.
Best for
- Buyers prioritizing an established in-town Destin position and comfortable underwriting each home individually
- Those with a mid-$800s budget who want the lot and location, whether renovating an older home or buying a recent rebuild
- Decisive, pre-approved buyers who can act inside a roughly nine-to-ten-day window
Probably not for
- Buyers who need on-site community amenities as part of the deal
- Anyone wanting a uniform, matched-vintage subdivision with predictable comps
- Buyers expecting a deep active inventory to compare and negotiate against
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 ($652K) IS the median in the snapshot above.
Windows contain 0 to 5 sales each (5 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.
10% 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 (2026-10-20).
Kellys Market Scorecard
Kellys is currently a seller-leaning market. About 2.4 months of supply, a median asking price of $2,999,000, and homes go under contract in about 187 days.
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.
Homes For Sale Right Now in Kellys
Live MLS inventory for Kellys. 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 Kellys listings as of 2026-10-19, 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.
Kellys 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 Kellys 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 Kellys address.
Shop the zone: Homes zoned for Destin High School
The Kellys buying strategy.
If we were buying in Kellys 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 Kellys.
An older Destin pocket where the lot leads
With a build range from 1954 to 2022 and a median year of 1983, this is not a matched subdivision — it is an evolving in-town neighborhood. Median living area sits near 1,869 square feet, which points to modest original footprints alongside larger rebuilds. That mix means two homes at similar list prices can be very different propositions: one a teardown-adjacent original, another a recent reconstruction. Underwrite each on its own condition, not the neighborhood average.
No community amenities show up in current MLS listings, so buy this location for what it is — proximity within Destin itself — rather than for shared facilities. Owner-occupancy sits just above half at roughly 54 percent homestead, a balance that reads as a genuine live-in neighborhood with a meaningful non-homestead share. The single active listing and only four recent closings mean data is sparse; treat any one sale as directional, not definitive.
The location and the amenities are priced into every listing in Kellys. 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 Kellys 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 (7.2). Basis: Liquidity & Demand 2.4 months of supply; Owner Commitment 54% owner-occupied; Pricing Power 97.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Thin inventory and a fast clock reward preparation over browsing. With one active listing and a median under two weeks on market, we keep clients ready to act and grounded on what a specific vintage-to-rebuild home is actually worth on its lot — instead of reacting to a small-sample median. That is where a broker who knows this pocket of Destin earns the fee.
Kellys in 15 seconds.
Email me new listings in KellysHomes for Sale
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 KellysHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works KellysHomes for Sale will answer, and the answer is published on this page for the next buyer.
What it really costs to own in KellysHomes for Sale
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 $5,133/yr across 4 listings here (MLS tax records, 2026-10-20). |
|---|---|
| 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 1995 across 4 listings. An original roof here would be about 31 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. |
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 Kellys 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 Kellys sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Kellys, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Kellys home worth?
Get a no-obligation home value based on real comparable sales in Kellys, 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 →
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Homes in the community | 147 (FL DOR 2025 assessment roll) |
| Years built | 1954–2022 (median 1982.0) |
| Typical living area | 1,869 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Security System, BBQ Pit/Grill, Boat Launch, Dock, Fishing, Laundry |
| Sale prices, last 12 months | $652,000 median across 5 closed sales |
| Days on market (closed sales) | 11 median |
| For sale right now | 1 active, 0 pending · median asking $2,999,000 · 2.4 months of supply |
| Owner-occupied (homestead) share | 54% |
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, “Kellys key facts,” movewithmomentum.com/neighborhoods/kellys-addn-to-destin, data as of September 20, 2026.
Housing distress & ownership in KELLYS ADDN TO DESTIN, 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 Kellys
The newest homes for sale in Kellys right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 617 2Nd Street $425,000 · 3 bd · 2 ba · 29 days on market Courtesy of LPT Realty LLC
- 717 6Th Street $2,999,000 · 4 bd · 3.5 ba · 215 days on market Courtesy of The Premier Property Group
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Kellys Addn To Destin Right Now (2)
All 2 active and pending Kellys Addn To Destin listings with a detail page, newest first, refreshed twice a day from the MLS.
- 617 2nd Street · $425,000 · 3 bd / 2 ba · listed Sep 21, 2026 · listed by LPT Realty LLC
- 717 6th Street · $2,999,000 · 4 bd / 3.5 ba · listed Jul 22, 2026 · listed by The Premier Property Group
More Destin home searches
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- Destin home values: what is my house worth?
- ZIP 32541 housing scorecard
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
Real estate agent in Destin? Join Momentum in Destin: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Beach Drive (9 homes on record)
- Beach Drive (1 homes on record)
- Kelly Street (1 homes on record)
Recent Developments in Kellys Addn To
Development, infrastructure, retail, and school activity affecting Kellys Addn To, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- 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 8 miles west of Kellys Addn To, elsewhere in Okaloosa County.
Source: Get The Coast - September 2026Civic
Okaloosa commissioners reject 12-month data center moratorium 3-2
Okaloosa County commissioners voted 3-2 on September 15 against a 12-month data center moratorium. On September 3 the board unanimously directed staff to develop a regulatory framework for data centers, with an outline due within 60 days. No specific project or site was proposed, and commissioners discussed protecting the Shoal River Industrial Park.
What it may mean for the marketThe pending rules will shape where large power-and-land-intensive facilities can locate in the county, including industrial land near Crestview. The project is about 24 miles north of Kellys Addn To, 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 2 miles west of Kellys Addn To.
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 Kellys Addn To.
Source: Get The Coast - May 2026Development
Okaloosa commissioners approve master plan for 392-lot River Park subdivision in Crestview
Okaloosa County commissioners unanimously approved the master plan for River Park, a 392 lot single family subdivision on 263 acres east of Main Drive and north of Airport Road in Crestview. The project by River Park Landing LLC will be built in three phases, with each phase requiring a separate development order approval.
What it may mean for the marketAdds substantial single family housing supply to the Crestview market and phases new residential construction onto a large tract in north Okaloosa County. The project is about 26 miles north of Kellys Addn To, elsewhere in Okaloosa County.
Source: Get The Coast - May 2026Infrastructure
Okaloosa County opens $212M Southwest Crestview Bypass
Okaloosa County opened the $212 million Southwest Crestview Bypass, a 3.5 mile four lane corridor connecting Antioch Road to State Road 85 with access from U.S. Highway 90. The project includes a 1,713 foot bridge, sidewalks, a multi use path, and direct access to the new Pineview K-8 school opening in August 2026.
What it may mean for the marketAdds a major four lane traffic corridor serving southwest Crestview and expands regional road capacity for surrounding growth in north Okaloosa County. The project is about 23 miles north of Kellys Addn To, elsewhere in Okaloosa County.
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 Kellys?
How long do homes in Kellys take to sell?
Is Kellys a buyer's or seller's market right now?
How many homes are in Kellys?
What share of Kellys is owner-occupied?
When were the homes in Kellys built?
Who is the best real estate agent for Kellys?
How do I find a top Destin real estate agent who knows Kellys?
Can Momentum Realty connect me with an agent for Kellys?
Where is Kellys, and what county is it in?
Is Kellys a good place to live?
Should you buy in Kellys?
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 19, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32541)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1993 (26 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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