Sterling Shores
Condos for Sale in Destin, FL
All 591 homes for sale in Destin, FL · median $639,000 · 346 condos for sale in Destin · 594 homes for sale in 32541 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
As of November 2026, Sterling Shores in Destin, FL has 11 homes for sale and 2 pending, asking from $379,000 to $780,000 (median $645,000). Over the 12 months ending 2026-09-20, 10 recorded sales closed at a median of $568,000, a median 119 days on market, sellers accepting 90% of original asking. Homes listed or recently sold were built 2001–2001; 22 of 22 report an HOA (median $1,280/mo); none of the 22 geocoded homes sit in a FEMA special flood hazard zone (median elevation 15 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $7,320 ($6,820 with the full homestead exemption).
Last 30 days in Sterling Shores: 1 new listing (median asking $424,900), 2 under contract right now. As of November 7, 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.
Homes For Sale Right Now in Sterling Shores
Live MLS inventory for Sterling Shores. 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 · 171 daysTop listing
Active · 248 days
Active · 38 days
Active · 624 days
Active · 120 days
Active · 259 days
Active · 275 days
Active · 276 daysActive · 23 days
Active · 71 days
Active · 184 days
Pending · 92 days
Pending · 193 daysActive and pending Sterling Shores listings as of 2026-11-07, 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.
Price here is driven by the home itself, not the community. Sterling Shores is a small pocket in Destin with a broad build span — the oldest homes date to 1956, the newest to 2021, with the median around 2001. That spread means condition, updates, and lot specifics do most of the pricing work, and the $591,000 median masks a wide range from tired to turnkey.
The current posture favors buyers with patience. The median home is sitting around 106 days, heat reads low at 30 out of 100, and the median is down 17% year over year. Fifteen homes are active against just nine closings in the window, so sellers are competing for a thin pool of committed buyers. Sellers who price to the current market — not last year's — will transact; those who anchor to the peak will sit.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Sterling Shores right now
🟢 Buyer-leaning market. 15.6 months of supply and 7% 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 20, 2026. Confidence: High (14 active and pending listings, 10 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($568K) is down 34.0% from the prior 12 months ($860K) and up 75% since 2012. With about a dozen 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: Medium (10 and 7 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 7, 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
Sterling Shores market snapshot (as of September 20, 2026): the median sale price is about $568K, a median 120 days on market for closed sales, and 15.6 months of supply, a buyer-leaning market. The trailing-12-month median is down 34% from the prior 12 months and up 75% since 2012, computed from record-level Emerald Coast MLS closed sales (10 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 7.4 months — a soft market. See the live ZIP 32541 housing market and the Okaloosa County market.
County records show 9 qualified sales in STERLING SHORES across 2024–2025 (6 in 2024, 3 in 2025), median $1.40M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Sterling Shores is a community of 77 homes in Destin, Okaloosa County, built between 1956 and 2021 (median 2001.0), with a median living area of about 3,975 square feet. 1% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Sterling Shores is a modestly sized Destin enclave of roughly 174 homes where the housing stock, not shared amenities, sets the tone. No community amenities surfaced in current MLS listings, so what you buy is the house and the location.
The setting & the homes.
Aerial and on-site photos of Sterling Shores. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Sterling ShoresSterling ShoresSterling ShoresSterling ShoresSterling ShoresSterling ShoresSterling ShoresSterling ShoresPhotos from Emerald Coast MLS listings in Sterling Shores; content deemed reliable but not guaranteed.
Who Sterling Shores is best for.
Best for
- Second-home or investment buyers comfortable with a slower-paced, condition-driven market
- Buyers with time and patience to negotiate against a soft year-over-year read
- Renovation-minded buyers willing to price the work into the deal
Probably not for
- Sellers who need a quick, peak-priced exit
- Buyers who want turnkey uniformity across a subdivision
- Buyers who require shared community amenities like a pool or clubhouse
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 ($568K) IS the median in the snapshot above, and the move from 2025 ($860K) IS the -34.0% one-year change.
Windows contain 5 to 15 sales each (10 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.
15% of homes for sale in Sterling Shores 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 (2026-11-07).
STERLING SHORES Market Scorecard
STERLING SHORES is currently a strong buyer's market. About 16.0 months of supply, a median asking price of $652,500, and homes go under contract in about 178 days.
Typical home value in the 32541 ZIP is $619,416, about 36.8% above 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.
Sterling Shores 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
- Destin · High
Zoned schools reflect the assignments reported on recent Sterling Shores 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 Sterling Shores address.
Shop the zone: Homes zoned for Destin High School · Homes zoned for Fort Walton Beach High School
The Sterling Shores buying strategy.
If we were buying in Sterling Shores 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 Sterling Shores.
A condition-driven market with a soft tape
With homes ranging from 1956 through 2021 and a median build year of 2001, this is not a uniform subdivision. A median around 2,113 square feet gives you a workable footprint, but two homes at the same price can be very different animals depending on renovation history. Read each listing on its own merits — the median tells you almost nothing about a specific address here.
The market signals are consistent and worth respecting. A 106-day median days-on-market and a heat score of 30 point to negotiating room, and the 17% year-over-year decline means recent comps carry more weight than aspirational pricing. Longer term, the area is up 78% since 2012, so this is a pullback within a longer climb — not a signal of where prices go next. A homestead share near 2% suggests much of the stock trades as second homes or rentals rather than primary residences, which tends to make pricing and pace more sensitive to conditions.
The location and the amenities are priced into every listing in Sterling Shores. 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 Sterling Shores 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 5 factors (2.0). Basis: Long-Term Appreciation +75% since 2012; Recent Direction -34.0% year-over-year; Liquidity & Demand 15.6 months of supply; Owner Commitment 1% owner-occupied; Pricing Power 90.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this condition-dependent and this slow-moving, the work is in the comps and the negotiation. We price each home against its actual condition and recent closings rather than the median, and on the buy side we use the 106-day pace and soft year-over-year read as leverage. Because there are no shared amenities to lean on, we keep the conversation on the house, the lot, and the location — the things that actually move value here.
Sterling Shores in 15 seconds.
Tools for a Sterling Shores 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 Sterling Shores sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sterling Shores, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sterling Shores home worth?
Get a no-obligation home value based on real comparable sales in Sterling Shores, 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 →
Recently off market in STERLING SHORES
Homes in STERLING SHORES 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. 5 on record.
- 1751 E Scenic Hwy 98 #211 · off market
- 1751 Scenic Highway 98 #Ph3 · off market
- 1751 Scenic Hwy 98 #510 · off market
- 1751 Scenic Hwy 98 #Unit 215 · off market
- 1751 Scenic Hwy 98 #Unit 609 · off market
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Homes in the community | 77 (FL DOR 2025 assessment roll) |
| Years built | 1956–2021 (median 2001.0) |
| Typical living area | 3,975 sq ft (median) |
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | BBQ Pit/Grill, Beach, Elevators, Gated, Pool, Exercise Room |
| Sale prices, last 12 months | $568,000 median across 10 closed sales · -34.0% vs the prior 12 months |
| Days on market (closed sales) | 119 median |
| For sale right now | 13 active, 1 pending · median asking $599,000 · 15.6 months of supply |
| Owner-occupied (homestead) share | 1% |
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, “Sterling Shores key facts,” movewithmomentum.com/neighborhoods/sterling-shores, data as of September 20, 2026.
Housing distress & ownership in STERLING SHORES, 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.
Just listed in Sterling Shores
The newest homes for sale in Sterling Shores right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 1751 Scenic Hwy 98 #UNIT 212 $424,900 · 1 bd · 1 ba · listed Oct 14, 2026 Courtesy of Go Coastal Realty LLC
- 1751 Scenic Hwy 98 #907 $765,000 · 2 bd · 2 ba · listed Sep 29, 2026 Courtesy of Keller Williams Realty FWB
- 1751 Scenic Highway 98 #205 $399,000 · 1 bd · 1 ba · listed Aug 27, 2026 Courtesy of Coldwell Banker Realty
- 1751 Scenic Highway 98 #816 $660,000 · 2 bd · 2 ba · listed Jul 9, 2026 Courtesy of Century 21 BE3
- 1751 Scenic Highway 98 #Unit 313 $780,000 · 3 bd · 2 ba · listed May 19, 2026 Courtesy of Piper Norman Holdings LLC
- 1751 Scenic Highway 98 #305 $379,000 · 1 bd · 1 ba · listed May 6, 2026 Courtesy of The Lisa Snuggs Real Estate Group
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Sterling Shores Right Now (13)
All 13 active and pending Sterling Shores listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1751 Scenic Hwy 98 #Unit 212 · $424,900 · 1 bd / 1 ba · listed Oct 14, 2026 · listed by Go Coastal Realty LLC
- 1751 Scenic Hwy 98 #907 · $765,000 · 2 bd / 2 ba · listed Sep 30, 2026 · listed by Keller Williams Realty FWB
- 1751 Scenic Highway 98 #205 · $399,000 · 1 bd / 1 ba · listed Aug 27, 2026 · listed by Coldwell Banker Realty
- 1751 Scenic Highway 98 #816 · $660,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by Century 21 BE3
- 1751 Scenic Highway 98 #Unit 313 · $780,000 · 3 bd / 2 ba · listed Aug 8, 2026 · listed by Piper Norman Holdings LLC
- 1751 Scenic Highway 98 #305 · $379,000 · 1 bd / 1 ba · listed Aug 8, 2026 · listed by The Lisa Snuggs Real Estate Group
- 1751 Scenic Highway 98 #Unit 509 · $770,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by Compass
- 1751 Scenic Highway 98 #716 · $645,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by Scenic Sotheby's International Realty
- 1751 Scenic Hwy 98 #806 · $569,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by Real Broker LLC
- 1751 Scenic Highway 98 #302 · $750,000 · 3 bd / 2 ba · listed Aug 8, 2026 · listed by The Beach Group Properties LLC
- 1751 Scenic Highway 98 #216 · $460,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by Bastion Realty LLC
- 1751 E Scenic Highway 98 #202 · $599,000 · 3 bd / 2 ba · pending · listed Aug 8, 2026 · listed by Scenic Sotheby's International Realty
- 1751 Scenic Highway 98 #407 · $684,900 · 2 bd / 2 ba · pending · listed Aug 8, 2026 · listed by Scenic Sotheby's International Realty
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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
- How to stop a foreclosure in Florida
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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.
- Scenic Highway 98 (1 homes on record)
Recent Developments in Sterling Shores
Development, infrastructure, retail, and school activity affecting Sterling Shores, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Retail & Dining
TJ Maxx to open 33,865-square-foot Destin store Nov. 1 at Paradise Key
The off-price retailer opens at 4437 Commons Drive East with a grand opening from 8 a.m. to 8 p.m. on Nov. 1. Regular hours run 9:30 a.m. to 9:30 p.m. daily, and the store sells apparel, accessories, jewelry, and home and beauty goods.
What it may mean for the marketA new national off-price anchor adds everyday shopping close to Destin's commercial corridor and may shorten trips for retail needs. The project is about 9 miles west of Sterling Shores, elsewhere in Okaloosa County.
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 20 miles west of Sterling Shores, 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 20 miles west of Sterling Shores, 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 14 miles west of Sterling Shores, elsewhere in Okaloosa County.
Source: Get The Coast - July 2026Infrastructure
Scenic Walton advances underground utilities and gateway landscape projects
Scenic Walton reported progress on countywide initiatives, including a $200,000 Freeport U.S. 331 gateway landscape project supported by a $100,000 FDOT Highway Beautification Grant, plus a 30A West gateway landscape project and early planning for countywide underground utilities. Funding for the utilities study advanced into Walton County's draft budget for fiscal year 2026 to 2027.
What it may mean for the marketAdvances roadway beautification and stormwater improvements along the Freeport U.S. 331 corridor and the 30A west gateway and lays groundwork for utility resilience upgrades across Walton County. The site is about 11 miles northeast of Sterling Shores.
Source: Get The Coast - June 2026Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
What it may mean for the marketDirects state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 16 miles northwest of Sterling Shores.
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.
What it really costs to own in Sterling Shores
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 $6,045/yr across 8 listings here (MLS tax records, 2026-11-07). |
|---|---|
| HOA dues | Median $1,280/month across 9 MLS listings (most billed monthly; 2026-11-07). 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. |
| Roof and age | Median build year 2001 across 9 listings. An original roof here would be about 25 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $2,004/month (tax $504, HOA $1,280, insurance $220). An estimate from the sources above, not a quote.
Email me new listings in Sterling Shores
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Ask an agent about Sterling Shores Condos for Sale
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Frequently Asked Questions
What is the median home price in Sterling Shores?
How long do homes in Sterling Shores take to sell?
Is Sterling Shores a buyer's or seller's market right now?
How many homes are in Sterling Shores?
What share of Sterling Shores is owner-occupied?
When were the homes in Sterling Shores built?
Have Sterling Shores home prices gone up?
Who is the best real estate agent for Sterling Shores?
How do I find a top Destin real estate agent who knows Sterling Shores?
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Where is Sterling Shores, and what county is it in?
Is Sterling Shores a good place to live?
Should you buy in Sterling Shores?
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 7, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32541)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2001 (205 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?
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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 STERLING SHORES fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Sterling Shores Condos for Sale in Destin
- Home values · What homes in Sterling Shores Condos for Sale in Destin actually sell for
