Mossy Oak Plantation
Homes for Sale in Baker, FL
All 22 homes for sale in Baker, FL · median $354,900 · 25 homes for sale in 32531 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, the MLS records 8 closed sales in Mossy Oak Plantation in Baker, FL since 2014, the most recent in May 2024. Across Baker as a whole, 43 homes closed in the last 12 months at a median of $309,000, 78 median days on market, with 7 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $3,980 ($3,480 with the full homestead exemption).
| Location | Baker, Okaloosa County, FL · ZIP 32531 |
|---|---|
| Homes in the community | 6 (FL DOR 2025 assessment roll) |
| Years built | 2021–2024 (median 2021.0) |
| Typical living area | 2,588 sq ft (median) |
| For sale right now | 0 active, 1 pending |
| Owner-occupied (homestead) share | 67% |
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, “MOSSY OAK PLANTATION key facts,” movewithmomentum.com/neighborhoods/mossy-oak-plantation, data as of September 20, 2026.
Mossy Oak Plantation is a newer-build pocket in Baker, with 81 homes built between 2011 and 2024 and a median vintage of 2015. What sets price here is condition and size more than location amenities: the median home runs a substantial 2,856 square feet, so buyers are paying for space and relatively current construction rather than a resort feature set. Expect the spread to be driven by finish level and lot rather than a published price band.
The current posture is thin and slow. Only one home is active and there were no closings in the trailing window, which tells you two things: sellers here are not turning over quickly, and there's little recent comparable data to anchor a price. With homestead occupancy near 79%, this is a hold-and-live community, not an investor churn. For a buyer, that means patience and a willingness to underwrite the one available listing on its own merits; for a seller, it means pricing carefully because the market won't correct a stretch quickly.
The 60-Second Overview
A small, owner-occupied enclave of newer, larger homes in rural Okaloosa County, where turnover is light and inventory is measured in single digits.
County records show 3 qualified sales in MOSSY OAK PLANTATION across 2024–2024, median $365,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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.
Who Mossy Oak Plantation is best for.
Best for
- Buyers who prioritize newer construction and living space over shared amenities
- Long-horizon owners planning to settle in and hold, not flip
- Patient shoppers willing to wait for the right listing to surface
Probably not for
- Buyers who need a pool, clubhouse, or other community amenities
- Anyone who needs multiple options and a fast close on a set timeline
- Investors seeking quick turnover or a deep pool of recent comps
The market around Mossy Oak Plantation
Mossy Oak Plantation is too small for its own price trend, so here is the market around it.
In ZIP 32531, 42 homes are on the market and 38% are under contract — a fast-moving corner of Baker.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
In ZIP 32531 (Baker), 124 homes closed in the last 12 months at a median of $314K ($186/sq ft), up 15.2% year over year, with a median 54 days on market. Right now 24 active and 12 pending listings put supply at about 3.9 months — a balanced market. See the live ZIP 32531 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Mossy Oak Plantation specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in MOSSY OAK PLANTATION, Baker
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 Mossy Oak Plantation
Live MLS inventory for Mossy Oak Plantation. 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 Mossy Oak Plantation 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 Mossy Oak Plantation Right Now (1)
All 1 active and pending Mossy Oak Plantation listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5368 Dora Street · $610,000 · 5 bd / 4 ba · pending · listed Aug 25, 2026 · listed by WHS Real Estate
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Baker · Elementary
- Baker · Middle
- Baker · High
Zoned schools reflect the assignments reported on recent Mossy Oak Plantation 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 Mossy Oak Plantation address.
Shop the zone: Homes zoned for Baker Elementary School · Homes zoned for Baker High School
The Mossy Oak Plantation buying strategy.
If we were buying in Mossy Oak Plantation 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 Mossy Oak Plantation.
Newer homes, thin market
The housing stock is the story. With construction spanning 2011 to 2024 and a median build year of 2015, most of these homes are past their newest-build phase but still modern, and the 2,856-square-foot median points to a community built around room to spread out rather than compact starter product. There are no community amenities identified from current MLS listings, so value lives in the houses themselves and the Baker setting, not in shared facilities.
The near-79% homestead share reinforces that this is a place people settle into. That stability is a double edge: it usually means well-kept homes and steady ownership, but it also means listings surface rarely and comparable sales are sparse. When something does come up, it deserves close scrutiny because there isn't a deep bench of recent trades to price against.
The location and the amenities are priced into every listing in Mossy Oak Plantation. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin, the value we add is judgment, not volume. With one active listing and no recent closings to lean on, pricing and negotiation come down to reading the individual home, the lot, and the broader Baker and Okaloosa context. We'll tell you straight whether the single option on the board fits your goals, and if it doesn't, we'll say so rather than push a sale.
Mossy Oak Plantation 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 Mossy Oak Plantation 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 Mossy Oak Plantation sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Mossy Oak Plantation, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Mossy Oak Plantation home worth?
Get a no-obligation home value based on real comparable sales in Mossy Oak Plantation, 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 Baker →
38% of homes for sale in ZIP 32531 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 (2026-10-01).
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.
Frequently Asked Questions
How many homes are in Mossy Oak Plantation?
What share of Mossy Oak Plantation is owner-occupied?
When were the homes in Mossy Oak Plantation built?
Who is the best real estate agent for Mossy Oak Plantation?
How do I find a top Baker real estate agent who knows Mossy Oak Plantation?
Can Momentum Realty connect me with an agent for Mossy Oak Plantation?
Where is Mossy Oak Plantation, and what county is it in?
Should you buy in Mossy Oak Plantation?
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) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32531)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (8 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.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how MOSSY OAK PLANTATION fits the bigger picture — live prices, inventory, and Momentum Scores:
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