Mossy Oak S/D
Homes for Sale in Baker, FL
All 19 homes for sale in Baker, FL · median $349,900 · 19 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 November 2026, Mossy Oak S/D in Baker, FL has 2 homes for sale. Over the 12 months ending 2026-11-09, 3 recorded sales closed at a median of $395,000, a median 81 days on market, sellers accepting 100% of original asking. Homes listed or recently sold were built 2020–2026 with 3 new construction; none of the 7 geocoded homes sit in a FEMA special flood hazard zone (median elevation 166 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $5,090 ($4,580 with the full homestead exemption).
Mossy Oak is a newer subdivision by North County standards — the homes here date from 2011 to 2024, with a median build year of 2016, so you are looking at construction that is largely current-code and generally low-maintenance. The living space runs large, with a median around 2,829 square feet, and that size is a big part of what sets price. There is no amenity package to pay for here; value tracks square footage, lot, and condition rather than shared facilities.
With only 3 active listings against 85 homes, this is a thin, slow-turning market — just 2 closings in the recent window. For sellers that scarcity can work in your favor, but with so few comps, pricing is more art than formula and buyers will scrutinize condition. For buyers, patience matters: inventory is limited, and when the right home lists you should be ready to move rather than wait for a broad menu of choices.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Mossy Oak S/D right now
🟡 Balanced market. 6.0 months of supply and 33% 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 November 9, 2026. Confidence: Medium (3 active and pending listings, 3 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 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
Mossy Oak S/D market snapshot (as of November 9, 2026): the median sale price is about $395K, a median 81 days on market for closed sales, and 6.0 months of supply, a balanced market.
In ZIP 32531 (Baker), 21 homes closed in the last 12 months at a median of $298K, with a median 97 days on market. Right now 7 active and 7 pending listings put supply at about 4.0 months — a healthy market. See the live ZIP 32531 housing market and the Okaloosa County market.
County records show 9 qualified sales in MOSSY OAK S/D across 2024–2025 (6 in 2024, 3 in 2025), median $409,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Mossy Oak S/D is a community of 79 homes in Baker, Okaloosa County, built between 2011 and 2024 (median 2015), with a median living area of about 2,947 square feet. 80% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Mossy Oak S/D is a small, newer-build pocket in Baker, out in rural Okaloosa County, where the housing stock skews large and owner-occupied and the listing count stays low.
The setting & the homes.
Aerial and on-site photos of Mossy Oak S/D. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Mossy Oak S/DPhotos from Emerald Coast MLS listings in Mossy Oak S/D; content deemed reliable but not guaranteed.
Who Mossy Oak S/D is best for.
Best for
- Buyers prioritizing square footage and newer construction over shared amenities
- Long-hold owner-occupants comfortable in a slow-turnover, rural setting
- Patient buyers willing to wait for the right listing in a low-inventory market
Probably not for
- Buyers who want pools, clubhouses, or other community amenities
- Shoppers who need many active listings to compare before deciding
- Investors chasing quick flips or high transaction volume
Homes For Sale Right Now in Mossy Oak S/D
Live MLS inventory for Mossy Oak 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 and pending Mossy Oak S/D listings as of 2026-11-13, 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.
Mossy Oak 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 contributors.
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 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 Mossy Oak S/D address.
Shop the zone: Homes zoned for Baker Elementary School · Homes zoned for Baker High School
The Mossy Oak S/D buying strategy.
If we were buying in Mossy Oak 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 Mossy Oak S/D.
A small, owner-held newer subdivision
The defining traits here are size and stability. Homes carry a median of roughly 2,829 square feet, and nearly 79% of them are homesteaded — a high owner-occupancy share that tends to mean well-kept properties and slow turnover. That combination keeps active inventory tight; three listings is a snapshot, not a marketplace, and the pace of sales reflects it.
This is not an amenity community — none were identified from current MLS listings — so what you are buying is the house and the setting, not a clubhouse or pool. Given the 2011-to-2024 build range, expect a spread of finishes from early-2010s to essentially new, which means condition and vintage, not a fixed price tier, will drive where any given home lands. There is no reliable price range to quote in a market this thin; evaluate each home on its own merits.
The location and the amenities are priced into every listing in Mossy Oak 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 Mossy Oak 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 3 factors (7.3). Basis: Liquidity & Demand 6.0 months of supply; Owner Commitment 80% owner-occupied; Pricing Power 100.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a subdivision with only 3 active listings and 2 recent closings, generic pricing tools fall apart — there simply are not enough comps to lean on. We work these thin, owner-held markets by hand, weighing build year, square footage, and condition on each property, and we help buyers position quickly when the right home is one of very few on the market.
Mossy Oak S/D in 15 seconds.
Tools for a Mossy Oak 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 Mossy Oak 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 Mossy Oak 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 Mossy Oak S/D home worth?
Get a no-obligation home value based on real comparable sales in Mossy Oak 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.
See all homes for sale in Baker →
Recently off market in MOSSY OAK S/D
Homes in MOSSY OAK S/D that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 1513 Kais Street · off market
- 5390 Aidan Street · off market
| Location | Baker, Okaloosa County, FL · ZIP 32531 |
|---|---|
| Homes in the community | 79 (FL DOR 2025 assessment roll) |
| Years built | 2011–2024 (median 2015) |
| Typical living area | 2,947 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Sale prices, last 12 months | $395,000 median across 3 closed sales |
| Days on market (closed sales) | 81 median |
| For sale right now | 2 active, 1 pending · median asking $339,900 · 6.0 months of supply |
| Owner-occupied (homestead) share | 80% |
Data as of November 9, 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 S/D key facts,” movewithmomentum.com/neighborhoods/mossy-oak-s-d, data as of November 9, 2026.
Housing distress & ownership in MOSSY OAK S/D, 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.
Just listed in Mossy Oak S/D
The newest homes for sale in Mossy Oak S/D right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 1507 Kais Street $339,900 · 4 bd · 2 ba · listed May 20, 2026 Courtesy of The Property Group 850 Inc
- 1511 Kais Street $339,900 · 4 bd · 2 ba · listed May 20, 2026 Courtesy of The Property Group 850 Inc
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Mossy Oak S D Right Now (3)
All 3 active and pending Mossy Oak S D listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1509 Kais Street · $403,300 · 4 bd / 2 ba · pending · listed Sep 11, 2026 · listed by The Property Group 850 Inc
- 1507 Kais Street · $339,900 · 4 bd / 2 ba · listed Aug 15, 2026 · listed by The Property Group 850 Inc
- 1511 Kais Street · $339,900 · 4 bd / 2 ba · listed Aug 15, 2026 · listed by The Property Group 850 Inc
Recently sold in Mossy Oak S D
- 5390 Aidan Street · sold $395,000
- 1513 Kais Street · sold $316,370
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Baker home searches
- All homes for sale in Baker, FL
- Homes for sale in Okaloosa County, FL
- ZIP 32531 housing scorecard
- 8 coming-soon communities in Okaloosa County
Baker guides & data
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- 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
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Kais Street (15 homes on record)
What it really costs to own in Mossy Oak S/D
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $275/yr across 4 listings here (MLS tax records, 2026-11-14). |
|---|---|
| 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. |
| Roof and age | Median build year 2025 across 4 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Mossy Oak S/D
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 Mossy Oak S/D
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Mossy Oak S/D will answer, and the answer is published on this page for the next buyer.
Recent Developments in Mossy Oak S D
Development, infrastructure, retail, and school activity affecting Mossy Oak S D, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Parks & Amenities
Okaloosa County sets Nov. 12 date to sink SS United States as the world's largest artificial reef
The 990-foot ship will be deployed about 22 nautical miles southwest of Destin-Fort Walton Beach, with a public sendoff on Nov. 11 at the convention center. The county says the project was funded by tourism revenue and partners and expects it to serve as a fishery and dive destination.
What it may mean for the marketA new offshore dive and fishing attraction could add to Destin-area visitor activity, with event-day boat traffic and tourism demand concentrated around the harbor. The site is about 11 miles southeast of Mossy Oak S D.
Source: Get The Coast - October 2026Infrastructure
Okaloosa outlines Gap Creek drainage projects and permitting hurdles in Fort Walton Beach
County staff described five stormwater efforts, including the Overbrook drainage work, a planned 2.67-acre Sylvania Heights stormwater park estimated at $4 million, and Lloyd Street and Mayflower Avenue improvements expected to go to bid in early 2027. Air Force environmental review and state and Army Corps permits for dredging complicate the timeline.
What it may mean for the marketPlanned drainage upgrades could reduce flooding exposure in the Gap Creek basin over time, though permitting delays mean relief is likely several years out. The project is about 21 miles northeast of Mossy Oak S D, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Retail & Dining
7 Brew drive-thru coffee stand opens on Beal Parkway in Fort Walton Beach
The stand at 799 Beal Parkway opened Oct. 19 and is the chain's second in Fort Walton Beach. It is expected to add 75 local jobs, and an opening fundraiser raised $4,661 for an equine therapy nonprofit.
What it may mean for the marketA new drive-thru option along Beal Parkway adds early-morning and late-night food and beverage access and about 75 jobs nearby. The project is about 22 miles northeast of Mossy Oak S D, elsewhere in Okaloosa County.
Source: Get The Coast - October 2026Parks & Amenities
Okaloosa and Cinco Bayou open upgraded boat ramp with new trailer parking
Okaloosa County and the Town of Cinco Bayou held a ribbon cutting for upgraded boat ramp facilities, including 16 new boat trailer parking spaces, a new restroom and landscaping. The $4.1 million total, funded largely by tourism development funds, also covers the $2.95 million purchase of a former bank building at 198 Eglin Parkway NE. Future dock improvements are planned.
What it may mean for the marketAdded trailer parking and ramp access improve waterfront recreation access for Fort Walton Beach area boaters. The project is about 22 miles northeast of Mossy Oak S D, elsewhere in Okaloosa County.
Source: Get The Coast - September 2026Parks & Amenities
Destin and Okaloosa County agree on management of 4-acre Holiday Isle state park
Destin and Okaloosa County unanimously agreed to back Destin as manager and developer of the roughly four-acre state-acquired park on Holiday Isle near Norriego Point. In return, Destin council voted 5-2 to offer free parking to all Okaloosa County residents at city-owned lots and parks. The deal still requires state Board of Trustees and DEP review.
What it may mean for the marketManagement of the Holiday Isle park and city parking rules will affect public waterfront access and parking in Destin. The project is about 26 miles northeast of Mossy Oak S D, elsewhere in Okaloosa County.
Source: Get The Coast
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
44% 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 (2026-11-14).
Frequently Asked Questions
What is the median home price in Mossy Oak S/D?
How long do homes in Mossy Oak S/D take to sell?
Is Mossy Oak S/D a buyer's or seller's market right now?
How many homes are in Mossy Oak S/D?
What share of Mossy Oak S/D is owner-occupied?
When were the homes in Mossy Oak S/D built?
Who is the best real estate agent for Mossy Oak S/D?
How do I find a top Baker real estate agent who knows Mossy Oak S/D?
Can Momentum Realty connect me with an agent for Mossy Oak S/D?
Where is Mossy Oak S/D, and what county is it in?
Should you buy in Mossy Oak 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: November 13, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending November 9, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32531)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (3 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.
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See how MOSSY OAK S/D fits the bigger picture — live prices, inventory, and Momentum Scores: