Moreno Acres S/D
Homes for Sale in Destin, FL
All 603 homes for sale in Destin, FL · median $634,900 · 618 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 September 2026, Moreno Acres S/D in Destin, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $920,000, a median 12 days on market, sellers accepting 95% of original asking. Homes listed or recently sold were built 1968–2014; none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $11,860 ($11,350 with the full homestead exemption).
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Homes in the community | 102 (FL DOR 2025 assessment roll) |
| Years built | 1939–2024 (median 1982.0) |
| Typical living area | 2,286 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Fire Alarm, Waterfront, Airfield, Fishing, Picnic Area, Security System |
| Sale prices, last 12 months | $920,000 median across 4 closed sales |
| Days on market (closed sales) | 12 median |
| For sale right now | 2 active, 2 pending · median asking $934,500 · 6.0 months of supply |
| Owner-occupied (homestead) share | 51% |
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, “MORENO ACRES S/D key facts,” movewithmomentum.com/neighborhoods/moreno-acres-s-d, data as of September 20, 2026.
Homes For Sale Right Now in Moreno Acres S/D
Live MLS inventory for Moreno Acres 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 · 49 daysTop listing
Active · 100 days
Active · 91 days
Pending · 0 daysActive and pending Moreno Acres S/D listings as of 2026-09-26, 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 Moreno Acres S D Right Now (4)
All 4 active and pending Moreno Acres S D listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4125 N Indian · $1,499,000 · 3 bd / 2.5 ba · pending · listed Sep 11, 2026 · listed by The Premier Property Group
- 808 Harbor Lane · $629,000 · 5 bd / 3 ba · listed Aug 11, 2026 · listed by The Realty Firm Inc
- 4118 Indian Byu N · $1,240,000 · 5 bd / 3 ba · listed Aug 6, 2026 · listed by Taylor Allen Properties LLC
- 805 Harbor Lane · $749,900 · 4 bd / 3.5 ba · listed Aug 2, 2026 · listed by Crye-Leike Coastal Realty
Price here is driven by condition and lot, not by any single build era. With homes dating from 1937 to 2024 and a median build year of 1988, Moreno Acres is a mixed-vintage pocket where a renovated or newly rebuilt home sits next to something original. The median around $920,000 reflects Destin's coastal-proximity premium and generous interior space — the median home runs about 3,234 square feet — more than any community feature, since none are identified from current MLS listings.
The market posture is tight and quick. Two active listings against a median of roughly 12.5 days on market means well-priced homes move fast and buyers have almost nothing to compare against at any given moment. Sellers hold leverage on condition and timing; buyers should come pre-approved and ready to act, because the thin inventory rewards decisiveness over deliberation.
Moreno Acres S/D right now
🟡 Balanced market. 6.0 months of supply and 50% 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 20, 2026. Confidence: Medium (4 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 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
Moreno Acres S/D market snapshot (as of September 20, 2026): the median sale price is about $920K, a median 13 days on market for closed sales, and 6.0 months of supply, a balanced 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 9 qualified sales in MORENO ACRES S/D across 2024–2025 (5 in 2024, 4 in 2025), median $685,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Moreno Acres S/D is a community of 102 homes in Destin, Okaloosa County, built between 1939 and 2024 (median 1982.0), with a median living area of about 2,286 square feet. 51% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Moreno Acres is a sizable, established Destin subdivision of 522 homes with a wide range of ages, where roughly 70% of homes are homesteaded — a sign of an owner-occupied core rather than a rental-heavy turnover market.
The setting & the homes.
Aerial and on-site photos of Moreno Acres S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Moreno Acres S/DPhotos from Emerald Coast MLS listings in Moreno Acres S/D; content deemed reliable but not guaranteed.
Who Moreno Acres S/D is best for.
Best for
- Owner-occupant buyers who value large interior space and plan to stay put
- Buyers around the $920K median who are pre-approved and ready to act on limited inventory
- Renovation-minded buyers comfortable pricing condition and updates on an older home
Probably not for
- Buyers who need amenity-rich communities with pools or shared facilities
- Buyers who want many comparable listings to shop side by side before committing
- Short-timeline flippers expecting a fast, low-condition entry in a homestead-heavy area
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 ($920K) IS the median in the snapshot above.
Windows contain 0 to 8 sales each (4 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.
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 (2026-09-27).
Moreno Acres S/D Market Scorecard
Moreno Acres S/D is currently a balanced market. About 6.0 months of supply, a median asking price of $934,500, and homes go under contract in about 91 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 MORENO ACRES 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.
Moreno Acres 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
- Fort Walton Beach · High
Zoned schools reflect the assignments reported on recent Moreno Acres 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 Moreno Acres S/D address.
Shop the zone: Homes zoned for Destin High School · Homes zoned for Fort Walton Beach High School
The Moreno Acres S/D buying strategy.
If we were buying in Moreno Acres 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 Moreno Acres S/D.
A mixed-vintage subdivision that trades on condition
The spread in build years — 1937 through 2024 — is the single most important thing to understand here. This is not a uniform tract where every house looks alike. You will find original mid-century structures, decades of infill, and brand-new construction, which means two homes at similar square footage can price very differently based on updates, systems, and rebuild status. The median build year of 1988 tells you the center of gravity is an older home, so inspection and renovation math matter.
Interior space is a real strength: a median of roughly 3,234 square feet is substantial for the area, and the roughly 70% homestead share points to a stable, owner-held base rather than a churn of short-term rentals. No community amenities show up in current MLS listings, so value here comes from the home and the location within Destin, not shared facilities. Values are up 79% since 2012, consistent with the broader Emerald Coast trend, though that is history and not a forecast.
The location and the amenities are priced into every listing in Moreno Acres 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 Moreno Acres 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 4 factors (5.4). Basis: Long-Term Appreciation +79% since 2012; Liquidity & Demand 6.0 months of supply; Owner Commitment 51% owner-occupied; Pricing Power 94.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With only a couple of active listings and a fast median time on market, timing and pricing judgment decide outcomes here. We know how to read a mixed-vintage street — separating a well-executed rebuild from cosmetic cover-up — and how to price against thin comparable data so a seller isn't leaving money on the table and a buyer isn't overpaying for condition that isn't there.
Moreno Acres 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 Moreno Acres 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 Moreno Acres 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 Moreno Acres 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 Moreno Acres S/D home worth?
Get a no-obligation home value based on real comparable sales in Moreno Acres 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.
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Frequently Asked Questions
What is the median home price in Moreno Acres S/D?
How long do homes in Moreno Acres S/D take to sell?
Is Moreno Acres S/D a buyer's or seller's market right now?
How many homes are in Moreno Acres S/D?
What share of Moreno Acres S/D is owner-occupied?
When were the homes in Moreno Acres S/D built?
Have Moreno Acres S/D home prices gone up?
Who is the best real estate agent for Moreno Acres S/D?
How do I find a top Destin real estate agent who knows Moreno Acres S/D?
Can Momentum Realty connect me with an agent for Moreno Acres S/D?
Where is Moreno Acres S/D, and what county is it in?
Should you buy in Moreno Acres S/D?
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: September 26, 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 (2 streets, ZIP 32541)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1994 (107 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?
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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. 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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