Mossey Cove T/H
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, Mossey Cove T/H in Destin, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $225,000, a median 130 days on market, sellers accepting 70% of original asking (-47% versus the prior year). Homes listed or recently sold were built 1977–1977; none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 11 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $2,900 ($2,390 with the full homestead exemption).
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Amenities listed by sellers | Boat Launch, Community Room, Dock, Fishing, Pool, Short Term Rental - Not Allowed |
| Sale prices, last 12 months | $225,000 median across 3 closed sales · -46.9% vs the prior 12 months |
| Days on market (closed sales) | 130 median |
| For sale right now | 1 active, 0 pending · median asking $314,900 · 4.0 months of supply |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “MOSSEY COVE T/H key facts,” movewithmomentum.com/neighborhoods/mossey-cove-t-h, data as of September 20, 2026.
Mossey Cove is a small townhome pocket in Destin, and small means the numbers move hard. The median sits at $225,000, but with only three closings in the window and days on market running to 130, price here is driven more by the condition and specifics of the individual unit than by any broad market trend. Treat the median as a reference point, not a promise.
The year-over-year figure is down 46.9%, which sounds dramatic until you remember how thin the sample is — a couple of dated or motivated sales can swing a number like that in a community this size. The longer arc tells a steadier story: up 163% since 2012. For a buyer, that combination plus 130 days on market means there is room to be patient and negotiate. For a seller, it means pricing to the reality of the current listing and expecting the process to take time.
Mossey Cove T/H right now
🟡 Balanced market. 4.0 months of supply and 0% 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: Low (1 active and pending listings, 3 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($225K) is down 46.9% from the prior 12 months ($424K) and up 159% since 2012. With about 2 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 20. Confidence: Low (3 and 3 sales in the two windows).
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
Mossey Cove T/H market snapshot (as of September 20, 2026): the median sale price is about $225K, a median 130 days on market for closed sales, and 4.0 months of supply, a balanced market. The trailing-12-month median is down 47% from the prior 12 months and up 159% since 2012, computed from record-level Emerald Coast MLS closed sales (3 closings in the current window).
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.
Emerald Coast MLS sales records identify 21 homes in MOSSEY Cove T/H that have changed hands since 2002, built between 1977 and 1990 (median 1977), with a median living area of about 1,392 sq ft and a typical 2-bedroom, 2-bath layout; 95% are townhomes. Source: Emerald Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Mossey Cove is a compact townhome community in Destin, Okaloosa County, where a thin number of sales makes each individual listing's condition and location the real story behind the price.
The setting & the homes.
Aerial and on-site photos of Mossey Cove T/H. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Mossey Cove T/H
Mossey Cove T/H
Mossey Cove T/H
Mossey Cove T/HPhotos from Emerald Coast MLS listings in Mossey Cove T/H; content deemed reliable but not guaranteed.
Who Mossey Cove T/H is best for.
Best for
- Buyers targeting a Destin townhome with a budget centered near the $225,000 median
- Patient shoppers willing to wait for the right unit and negotiate on condition
- Buyers who value location and low-maintenance townhome living over shared amenities
Probably not for
- Buyers who need a wide selection and quick closings
- Anyone counting on shared community amenities on-site
- Buyers who want a liquid, fast-moving resale market to exit into
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 ($225K) IS the median in the snapshot above, and the move from 2025 ($424K) IS the -46.9% one-year change.
Windows contain 0 to 4 sales each (3 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).
Mossey Cove T/H Market Scorecard
Mossey Cove T/H is currently a balanced market. About 4.0 months of supply, a median asking price of $314,900, and homes go under contract in about 212 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 MOSSEY COVE T/H, 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 Mossey Cove T/H
Live MLS inventory for Mossey Cove T/H. 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 Mossey Cove T/H 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 Mossey Cove T H Right Now (1)
All 1 active and pending Mossey Cove T H listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3871 Indian Trail #Unit 9-D · $314,900 · 2 bd / 1.5 ba · listed Jul 2, 2026 · listed by World Impact Real Estate
Mossey Cove T/H 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 Mossey Cove T/H 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 Mossey Cove T/H address.
Shop the zone: Homes zoned for Fort Walton Beach High School
The Mossey Cove T/H buying strategy.
If we were buying in Mossey Cove T/H 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 Mossey Cove T/H.
A thin, condition-driven townhome market
With just three closings in the tracking window and a 130-day median time on market, Mossey Cove is not a fast-moving, deep-inventory community. That works both ways: listings can sit, but it also means there is little competition among buyers and room to negotiate on terms and condition. The median of $225,000 is the one price anchor worth trusting, and even that should be read against the specific unit in front of you.
No community amenities turned up in the current MLS listings, so buy this location on the townhome itself and on Destin proximity rather than on shared facilities. Verify HOA scope, what the fee covers, and exterior maintenance responsibilities before you write an offer — in a small association those details matter more than any headline statistic.
The location and the amenities are priced into every listing in Mossey Cove T/H. 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 Mossey Cove T/H 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 (3.8). Basis: Long-Term Appreciation +159% since 2012; Recent Direction -46.9% year-over-year; Liquidity & Demand 4.0 months of supply; Pricing Power 70.2% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A market this thin rewards someone who reads the individual listing rather than the average. We will walk you through why a given unit is priced where it is, what the 130-day pace means for your negotiating position, and how to weigh a swing like the 46.9% year-over-year move against the small number of sales behind it. No spin — just the facts of the unit and the association.
Mossey Cove T/H 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 Mossey Cove T/H 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 Mossey Cove T/H sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Mossey Cove T/H, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Mossey Cove T/H home worth?
Get a no-obligation home value based on real comparable sales in Mossey Cove T/H, 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 Mossey Cove T/H?
How long do homes in Mossey Cove T/H take to sell?
Is Mossey Cove T/H a buyer's or seller's market right now?
Have Mossey Cove T/H home prices gone up?
Who is the best real estate agent for Mossey Cove T/H?
How do I find a top Destin real estate agent who knows Mossey Cove T/H?
Can Momentum Realty connect me with an agent for Mossey Cove T/H?
Where is Mossey Cove T/H, and what county is it in?
Should you buy in Mossey Cove T/H?
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 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1995 (35 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 MOSSEY COVE T/H fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Mossey Cove T/H
- Home values · What homes in Mossey Cove T/H actually sell for
- Find an agent · How to choose the best real estate agent in Mossey Cove T/H
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