Kellys
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
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).
| 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 ADDN TO DESTIN key facts,” movewithmomentum.com/neighborhoods/kellys-addn-to-destin, data as of September 20, 2026.
Last 30 days in Kellys: 1 new listing (median asking $425,000). As of October 2, 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.
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 2, 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.
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 (2026-09-29).
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.
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.
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 2026-10-01, 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.
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 2, 2026 · listed by The Premier Property Group
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, tiles © CARTO.
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.
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 →
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 1, 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.
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 KELLYS ADDN TO DESTIN fits the bigger picture — live prices, inventory, and Momentum Scores:
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