Mossy Oak S/D
Homes for Sale in Baker, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, Mossy Oak S/D in Baker, FL has 2 homes for sale. Homes listed or recently sold were built 2020–2026 with 3 new construction; none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 166 ft).
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.
Mossy Oak S/D right now
🟢 Buyer-leaning market. 12.0 months of supply and 60% 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 September 12, 2026. Confidence: Medium (5 active and pending listings, 2 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 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 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.
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 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
The market around Mossy Oak S/D
Mossy Oak S/D is too small for its own price trend, so here is the market around it.
In ZIP 32531, 55 homes are on the market and 40% are under contract — a fast-moving corner of Baker.
Across Okaloosa County, 2,265 homes are active and 765 pending (25% under contract).
ZIP and county figures describe the wider market, not Mossy Oak S/D specifically. Momentum Research analysis of MLS records.
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.
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 · 115 daysTop listingActive · 115 daysPending · 0 daysPending · 81 daysPending · 1 daysActive and pending Mossy Oak S/D listings as of 2026-09-12, 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.
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, tiles © CARTO.
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.
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.
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 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.
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.
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 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 →
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.
MOSSY OAK S/D Market Scorecard
MOSSY OAK S/D is currently a strong buyer's market. About 12.0 months of supply, a median asking price of $382,400, and homes go under contract in about 115 days.
Typical home value in the 32531 ZIP is $328,166, about 19.0% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Mossy Oak S/D a buyer's or seller's market right now?
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?
Should you buy in Mossy Oak S/D?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Mossy Oak S/D with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2012 (30 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 S/D fits the bigger picture — live prices, inventory, and Momentum Scores: