Mossey Cove T/H
Homes for Sale in Destin, FL
All 566 homes for sale in Destin, FL · median $641,950 · 41 townhomes for sale in Destin · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of November 2026, Mossey Cove T/H in Destin, FL has 2 homes for sale. Homes listed or recently sold were built 1977–1977; 4 of 4 report an HOA (median $365/mo); none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft).
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.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Mossey Cove T/H right now
🟢 Buyer-leaning market. 8.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.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 November 9, 2026. Confidence: Low (2 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 13, 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 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.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
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
The market around Mossey Cove T/H
Mossey Cove T/H is too small for its own price trend, so here is the market around it.
Across Okaloosa County, 1,691 homes are active and 403 pending (19% under contract).
ZIP and county figures describe the wider market, not Mossey Cove T/H specifically. Momentum Research analysis of MLS records.
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 2026-11-12, 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.
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 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 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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.
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.
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 →
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.
Every Home for Sale in Mossey Cove T H Right Now (2)
All 2 active and pending Mossey Cove T H listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3871 Indian Trail #1F · $280,000 · 2 bd / 1.5 ba · pending · listed Oct 16, 2026 · listed by LPT Realty LLC
- 3871 Indian Trail #Unit 9-D · $299,500 · 2 bd / 1.5 ba · listed Aug 14, 2026 · listed by World Impact Real Estate
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Destin guides & data
- Market data
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- 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
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- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Indian Trail (1 homes on record)
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 (2026-11-13).
What it really costs to own in Mossey Cove T/H
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $365/month across 3 MLS listings (most billed monthly; 2026-11-13). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| 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. |
Email me new listings in Mossey Cove T/H
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 Mossey Cove T/H
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Mossey Cove T/H will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
Is Mossey Cove T/H a buyer's or seller's market right now?
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: November 12, 2026) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
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. A Momentum agent can 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: