New Construction Homes in Destin, FL
Destin is in Okaloosa County, Florida (ZIP codes 32541, 32550, 32540). · Homes for sale in Destin · Okaloosa County
13 new-construction homes are listed for sale in Destin right now, across 2 communities and 1 builders. Most list between $375K to $428K; the median new build is $408,477. Everything on this page is from Momentum’s MLS record as of 2026-09-06 and refreshes as homes list and sell.
Newest new-construction listings in Destin
The most recently listed new homes in Destin, with photos. Each card opens the full listing with every photo, the community’s data, and a tour request.
New-home communities in Destin
Every Destin community with new construction actively listed, the builder where the listing identifies one, how many homes are available, and the lowest current list price. Community names link to that community’s guide with its sales history and live inventory.
| Community | Builder | New homes | From |
|---|---|---|---|
| Palm Street Townhomes | D.R. Horton | 9 | $374,900 |
| Regatta Bay | — | 4 | $2.29M |
Builders building in Destin right now
Counted by homes currently listed in Momentum’s MLS record, so this reflects who has inventory today rather than who has ever built here.
- D.R. Horton — 9 new homes in Palm Street Townhomes
New construction in Destin by price
- $300K – $400K: 1 home
- $400K – $500K: 8 homes
- $1M and up: 4 homes
What a new build in Destin costs to own
Take the median $408,477 new home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $2,111/month. Okaloosa County’s typical millage of 12.89 puts property tax near $4,623/year after the $50,000 homestead exemption — and on a new build there is no seller’s capped bill to be misled by; the first-year bill is on the land alone and the full bill arrives the year after. Citizens’ average premium in Okaloosa County is about $2,644/year; a new roof and current code usually earn a better private quote than that average. All in, plan on roughly $2,716/month, plus any CDD assessment — most master-planned communities finance their infrastructure with a district bond that appears on the tax bill for years, and it is the number builders’ sales offices mention last.
How to buy new construction the smart way
The agent in the model home works for the builder. Bringing your own Momentum agent costs you nothing — the builder pays the commission either way — and gets you representation on the contract (builder contracts are one-sided by design), the upgrade pricing, the lender comparison (the builder’s preferred lender incentive is real but not always the best deal), an independent inspection at pre-drywall and at completion, and the walkthrough. Register your agent on your first visit; most builders will not honor representation after that.
Builders rarely cut list price on a to-be-built home, but completed inventory homes at the end of a quarter are a different negotiation: closing-cost credits, rate buydowns, and included upgrades are common, and the cards above show which homes have been sitting.
Explore Destin
- Moving to Destin: the data guide
- All new-construction builders in Florida
- Search every Destin community
Common questions
How many new construction homes are for sale in Destin?
Who is building new homes in Destin?
What does a new construction home cost in Destin?
What is the monthly cost of a $408,477 new build in Destin?
Should I use my own agent to buy new construction?
Do builders negotiate on price?
<a href="https://movewithmomentum.com/new-construction-homes-destin">New Construction Homes in Destin, FL: 13 New Homes from $375K (September 2026) — Momentum Realty</a>Counts, prices and photos are from Momentum Realty’s MLS record of active listings in Destin communities as of 2026-09-06; a home is counted as new construction when the listing shows it as built this year or later or when a production builder is the listing office. Builder names come from listing data. Estimates are not guarantees. Equal Housing Opportunity.