251 Mattie M Kelly Blvd #302 · Destin, FL 32541

$199,500

2 bd · 2.0 ba · 1,051 sqft · Condo public records · 93 Days on market

Built 2005 $190/sqft · 6% below area Est $213k · 6% under $764/mo HOA · 37% of rent ↓ 33% since listing

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +10.4/15.0
• 1% rule +5.3/10.0
• Schools +5.2/10.0
• Cash flow +5.0/30.0
• Livability +4.0/5.0
• Rent growth +3.4/5.0
• Condition / age +2.5/5.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Seller purchased the condo in anticipation of a job transfer that ultimately did not happen. This clean, well-maintained condo is move-in ready and presents a great opportunity for its next owner. Discover the charm and convenience of Old Bay Condos, ideally situated in the heart of highly sought-after West Destin. Tucked within a boutique, low-rise building with secured entry and only six residences per floor, this community offers the perfect blend of privacy, comfort, and easy coastal living. This beautifully maintained 2-bedroom, 2-bath condo welcomes you with a bright, open-concept layout designed for both relaxing and entertaining. Natural light fills the spacious living and dining areas, creating an airy, inviting atmosphere you'll love coming home to. The kitchen features sleek granite countertops, stainless steel appliances, and ample cabinetry and prep space--perfect for everything from casual breakfasts to hosting family and friends. Both bedrooms are generously sized, including a comfortable primary suite with its own private bath and a separate lighted vanity area off the master, offering the perfect space for getting ready each day. The second bedroom and full bath make an ideal setup for guests or a home office. Step outside and you're just moments away from everything that makes Destin so special, including Chick-fil-A and Starbucks conveniently within walking distance. Spend your days exploring local restaurants, boutique shopping, championship golf courses, and waterfront entertainment. And of course, the true highlight is the pristine Destin beaches--famous for their powder-soft, sugar-white sand and breathtaking emerald-green waters. Whether you're soaking up the sun, taking sunset strolls along the shore, or enjoying a day on the water, these gorgeous beaches feel like your own personal paradise. Perfect as a primary residence, vacation getaway, or investment opportunity, this condo delivers the relaxed coastal lifestyle you've been dreaming of. Come experience the best of Destin living at Old Bay Condos--where every day feels like a vacation. This unit includes a 13-month home warranty effective January 2026, and a full home inspection has been completed.

Key facts

• Ample cabinetry
• Granite countertops
• Secured entry

Tags

• SECURED ENTRY
• BOUTIQUE LOW-RISE BUILDING
• OPEN-CONCEPT LAYOUT
• GRANITE COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• AMPLE CABINETRY

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $200k.

Deal economics

• At list price, monthly cash flow is $-469 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $117k (41.6% below list).
• Meets the 1% rule at list price ($2k rent vs $200k).
• Recommended offer: $117k (41.6% below list) — sets the bar for cash-flow.
• Cap rate 3.5% vs local median 0.8% in Destin — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 79/100 on livability (#158 in FL, #2,247 nationally) — a middle-class / working-renter tenant base. Strengths: schools A+, crime A+, employment A+; Watch: amenities F, commute F, cost of living D-.
• Okaloosa (other): math 60% / reading 60% proficiency, ranked #12 of 73 in FL (top 16%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+3.7%/yr); 910 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 41% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,268 units permitted in Okaloosa County in 2024 (175 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Okaloosa County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 93 days — a 9% lower offer ($182k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y ago; this cycle's ask has dropped $20k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 37% of rent.

Recommended offer $116,605 (41.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 93 days. Have you received any prior offers? Is the seller open to a 42% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
8. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
9. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
10. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
11. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.03% ✓
• Cap rate: 3.47%
• Cash-on-cash: -10.08%
• DSCR: 0.55
• GRM: 8.1

CMA / ARV

• ARV (median comp): $213,323
• List price: $199,500
• Delta: -6.48%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.68% rent growth · sell at horizon

5-year hold

• IRR: -32.7%
• Equity multiple: -0.08×
• Total profit: $-60,332
• Equity at exit: $29,746

10-year hold

• IRR: -31.5%
• Equity multiple: -0.49×
• Total profit: $-83,234
• Equity at exit: $17,249

Cash invested: $55,860 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32541

• Rents YoY: 3.7%
• Active inventory: 910
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,052 high
• Mortgage (P&I): −$1,046
• Tax from tax record: −$197 /mo · $2,369/yr
• Insurance: −$83
• HOA: −$764
• Vacancy / Maint / Mgmt: −$431
• Net cashflow: $-469

Break-even live

Break-even rent $2,646

Max offer price $116,605

Occupancy floor —

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $49,875
• Closing costs: $5,985
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
160 S Mattie M Kelly Blvd Destin, FL	1.0–3.0	1.0–2.0	1074	$2,198	$2.05	14d	24	0.13mi
1014 Airport Rd #138 Destin, FL	3.0	2.5	1440	$2,300	$1.60	44d	1	0.22mi
1209 Quail Lake Blvd Destin, FL	2.0	2.5	1404	$2,000	$1.42	14d	1	0.24mi
1150 Airport Rd #145 Destin, FL	3.0	2.5	1440	$2,200	$1.53	21d	1	0.31mi
986 Airport Rd Unit B Destin, FL	1.0	1.0	920	$1,700	$1.85	44d	1	0.37mi
2 Court Dr Destin, FL	2.0	2.5	1216	$2,000	$1.64	21d	1	0.43mi
27 Court Dr Destin, FL	2.0	2.5	1216	$2,300	$1.89	44d	1	0.55mi
2004-2098 Palm St Destin, FL	1.0–3.0	1.0–2.0	1061	$2,504	$2.36	14d	22	0.71mi
4080 Dancing Cloud Ct #237 Destin, FL	1.0	1.0	700	$2,000	$2.86	44d	1	0.73mi
4030 Dancing Cloud Ct #346 Destin, FL	1.0	1.0	920	$1,650	$1.79	21d	1	0.73mi
4070 Dancing Cloud Ct #171 Destin, FL	1.0	1.0	745	$1,575	$2.11	14d	1	0.75mi
4040 Dancing Cloud Ct #321 Destin, FL	1.0	1.0	920	$1,550	$1.68	21d	1	0.80mi
4040 Dancing Cloud Ct #321 Destin, FL	1.0	1.0	920	$1,550	$1.68	14d	1	0.80mi
4040 Dancing Cloud Ct Destin, FL	1.0	1.0	945	$1,600	$1.69	44d	1	0.80mi
150 Bent Arrow Dr #36 Destin, FL	3.0	2.5	1452	$2,100	$1.45	14d	1	0.91mi
150 Bent Arrow Dr #36 Destin, FL	3.0	2.5	1452	$2,100	$1.45	21d	1	0.91mi
734 Legion Dr #70 Destin, FL	2.0	2.0	1180	$2,099	$1.78	44d	1	0.92mi
4203 Indian Bayou Trl Unit 1447163P Destin, FL	1.0	2.0	968	$2,303	$2.38	14d	1	0.94mi
150 Bent Arrow Dr Destin, FL	3.0	2.5	1440	$2,250	$1.56	44d	1	1.00mi
22 Moreno Point Rd Unit 1285898P Destin, FL	2.0	2.5	1065	$3,068	$2.88	14d	1	1.07mi
22 Moreno Point Rd #12 Destin, FL	3.0	2.5	1236	$3,295	$2.67	44d	1	1.07mi
710 Legion Dr Unit D2 Destin, FL	2.0	1.0	850	$1,800	$2.12	44d	1	1.09mi
710 Legion Dr Unit D2 Destin, FL	2.0	1.0	850	$1,750	$2.06	14d	1	1.09mi
710 Legion Dr Unit O2 Destin, FL	2.0	1.0	898	$1,600	$1.78	44d	1	1.13mi
710 Legion Dr Unit O2 Destin, FL	2.0	1.0	898	$1,450	$1.61	21d	1	1.13mi
204 Ann Cir Unit C Destin, FL	2.0	1.0	1000	$1,550	$1.55	44d	1	1.13mi
47 Pine Ridge Trce Destin, FL	3.0	2.0	1188	$2,900	$2.44	14d	1	1.16mi
132 Bayou Dr Destin, FL	2.0	1.5	1161	$2,200	$1.89	44d	1	1.20mi
37 Log Pl Destin, FL	2.0	1.5	1261	$1,750	$1.39	21d	1	1.21mi
4131 Commons Dr W Destin, FL	2.0	1.0–2.0	907	$2,040	$2.25	14d	14	1.36mi
4131 Commons Dr W Destin, FL	2.0	1.0–2.0	907	$1,990	$2.19	44d	16	1.36mi
4211 Commons Dr W Destin, FL	1.0–3.0	1.0–3.0	1256	$2,232	$1.78	14d	22	1.45mi

HOA detail condo

• Monthly dues: $764 · $9,168/yr
• Likely covers: water
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 10 events

1. 2026-05-19
   price $199,500 2215-char remark

   Show marketing remark (2215 chars)

   Seller purchased the condo in anticipation of a job transfer that ultimately did not happen. This clean, well-maintained condo is move-in ready and presents a great opportunity for its next owner. Discover the charm and convenience of Old Bay Condos, ideally situated in the heart of highly sought-after West Destin. Tucked within a boutique, low-rise building with secured entry and only six residences per floor, this community offers the perfect blend of privacy, comfort, and easy coastal living. This beautifully maintained 2-bedroom, 2-bath condo welcomes you with a bright, open-concept layout designed for both relaxing and entertaining. Natural light fills the spacious living and dining areas, creating an airy, inviting atmosphere you'll love coming home to. The kitchen features sleek granite countertops, stainless steel appliances, and ample cabinetry and prep space--perfect for everything from casual breakfasts to hosting family and friends. Both bedrooms are generously sized, including a comfortable primary suite with its own private bath and a separate lighted vanity area off the master, offering the perfect space for getting ready each day. The second bedroom and full bath make an ideal setup for guests or a home office. Step outside and you're just moments away from everything that makes Destin so special, including Chick-fil-A and Starbucks conveniently within walking distance. Spend your days exploring local restaurants, boutique shopping, championship golf courses, and waterfront entertainment. And of course, the true highlight is the pristine Destin beaches--famous for their powder-soft, sugar-white sand and breathtaking emerald-green waters. Whether you're soaking up the sun, taking sunset strolls along the shore, or enjoying a day on the water, these gorgeous beaches feel like your own personal paradise. Perfect as a primary residence, vacation getaway, or investment opportunity, this condo delivers the relaxed coastal lifestyle you've been dreaming of. Come experience the best of Destin living at Old Bay Condos--where every day feels like a vacation. This unit includes a 13-month home warranty effective January 2026, and a full home inspection has been completed.

2. 2026-05-15
   status Active 2215-char remark

   Show marketing remark (2215 chars)

   Seller purchased the condo in anticipation of a job transfer that ultimately did not happen. This clean, well-maintained condo is move-in ready and presents a great opportunity for its next owner. Discover the charm and convenience of Old Bay Condos, ideally situated in the heart of highly sought-after West Destin. Tucked within a boutique, low-rise building with secured entry and only six residences per floor, this community offers the perfect blend of privacy, comfort, and easy coastal living. This beautifully maintained 2-bedroom, 2-bath condo welcomes you with a bright, open-concept layout designed for both relaxing and entertaining. Natural light fills the spacious living and dining areas, creating an airy, inviting atmosphere you'll love coming home to. The kitchen features sleek granite countertops, stainless steel appliances, and ample cabinetry and prep space--perfect for everything from casual breakfasts to hosting family and friends. Both bedrooms are generously sized, including a comfortable primary suite with its own private bath and a separate lighted vanity area off the master, offering the perfect space for getting ready each day. The second bedroom and full bath make an ideal setup for guests or a home office. Step outside and you're just moments away from everything that makes Destin so special, including Chick-fil-A and Starbucks conveniently within walking distance. Spend your days exploring local restaurants, boutique shopping, championship golf courses, and waterfront entertainment. And of course, the true highlight is the pristine Destin beaches--famous for their powder-soft, sugar-white sand and breathtaking emerald-green waters. Whether you're soaking up the sun, taking sunset strolls along the shore, or enjoying a day on the water, these gorgeous beaches feel like your own personal paradise. Perfect as a primary residence, vacation getaway, or investment opportunity, this condo delivers the relaxed coastal lifestyle you've been dreaming of. Come experience the best of Destin living at Old Bay Condos--where every day feels like a vacation. This unit includes a 13-month home warranty effective January 2026, and a full home inspection has been completed.

3. 2026-03-19
   price $205,000 2215-char remark

   Show marketing remark (2215 chars)

   Seller purchased the condo in anticipation of a job transfer that ultimately did not happen. This clean, well-maintained condo is move-in ready and presents a great opportunity for its next owner. Discover the charm and convenience of Old Bay Condos, ideally situated in the heart of highly sought-after West Destin. Tucked within a boutique, low-rise building with secured entry and only six residences per floor, this community offers the perfect blend of privacy, comfort, and easy coastal living. This beautifully maintained 2-bedroom, 2-bath condo welcomes you with a bright, open-concept layout designed for both relaxing and entertaining. Natural light fills the spacious living and dining areas, creating an airy, inviting atmosphere you'll love coming home to. The kitchen features sleek granite countertops, stainless steel appliances, and ample cabinetry and prep space--perfect for everything from casual breakfasts to hosting family and friends. Both bedrooms are generously sized, including a comfortable primary suite with its own private bath and a separate lighted vanity area off the master, offering the perfect space for getting ready each day. The second bedroom and full bath make an ideal setup for guests or a home office. Step outside and you're just moments away from everything that makes Destin so special, including Chick-fil-A and Starbucks conveniently within walking distance. Spend your days exploring local restaurants, boutique shopping, championship golf courses, and waterfront entertainment. And of course, the true highlight is the pristine Destin beaches--famous for their powder-soft, sugar-white sand and breathtaking emerald-green waters. Whether you're soaking up the sun, taking sunset strolls along the shore, or enjoying a day on the water, these gorgeous beaches feel like your own personal paradise. Perfect as a primary residence, vacation getaway, or investment opportunity, this condo delivers the relaxed coastal lifestyle you've been dreaming of. Come experience the best of Destin living at Old Bay Condos--where every day feels like a vacation. This unit includes a 13-month home warranty effective January 2026, and a full home inspection has been completed.

4. 2026-02-23
   listed $219,500 Active 2215-char remark

   Show marketing remark (2215 chars)

   Seller purchased the condo in anticipation of a job transfer that ultimately did not happen. This clean, well-maintained condo is move-in ready and presents a great opportunity for its next owner. Discover the charm and convenience of Old Bay Condos, ideally situated in the heart of highly sought-after West Destin. Tucked within a boutique, low-rise building with secured entry and only six residences per floor, this community offers the perfect blend of privacy, comfort, and easy coastal living. This beautifully maintained 2-bedroom, 2-bath condo welcomes you with a bright, open-concept layout designed for both relaxing and entertaining. Natural light fills the spacious living and dining areas, creating an airy, inviting atmosphere you'll love coming home to. The kitchen features sleek granite countertops, stainless steel appliances, and ample cabinetry and prep space--perfect for everything from casual breakfasts to hosting family and friends. Both bedrooms are generously sized, including a comfortable primary suite with its own private bath and a separate lighted vanity area off the master, offering the perfect space for getting ready each day. The second bedroom and full bath make an ideal setup for guests or a home office. Step outside and you're just moments away from everything that makes Destin so special, including Chick-fil-A and Starbucks conveniently within walking distance. Spend your days exploring local restaurants, boutique shopping, championship golf courses, and waterfront entertainment. And of course, the true highlight is the pristine Destin beaches--famous for their powder-soft, sugar-white sand and breathtaking emerald-green waters. Whether you're soaking up the sun, taking sunset strolls along the shore, or enjoying a day on the water, these gorgeous beaches feel like your own personal paradise. Perfect as a primary residence, vacation getaway, or investment opportunity, this condo delivers the relaxed coastal lifestyle you've been dreaming of. Come experience the best of Destin living at Old Bay Condos--where every day feels like a vacation. This unit includes a 13-month home warranty effective January 2026, and a full home inspection has been completed.

5. 2026-01-20
   soldstatus $200,000
6. 2026-01-18
   status Pending 550-char remark

   Show marketing remark (550 chars)

   Introducing Old Bay Condos in the heart of West Destin. Nestled within a low-rise building, each floor boasts six exclusive condos with secured entry. Step into this inviting unit showcasing two generously-sized bedrooms and an expansive, open-concept layout. The kitchen is adorned with sleek granite countertops and modern stainless steel appliances. Situated conveniently close to West Destin's vibrant attractions, from top-notch restaurants to premier shopping destinations, championship golf courses, and the breathtaking Emerald Coast beaches.

7. 2026-01-16
   soldstatus $200,000 Sold 550-char remark

   Show marketing remark (550 chars)

   Introducing Old Bay Condos in the heart of West Destin. Nestled within a low-rise building, each floor boasts six exclusive condos with secured entry. Step into this inviting unit showcasing two generously-sized bedrooms and an expansive, open-concept layout. The kitchen is adorned with sleek granite countertops and modern stainless steel appliances. Situated conveniently close to West Destin's vibrant attractions, from top-notch restaurants to premier shopping destinations, championship golf courses, and the breathtaking Emerald Coast beaches.

8. 2025-12-04
   listed $225,000 Active 550-char remark

   Show marketing remark (550 chars)

   Introducing Old Bay Condos in the heart of West Destin. Nestled within a low-rise building, each floor boasts six exclusive condos with secured entry. Step into this inviting unit showcasing two generously-sized bedrooms and an expansive, open-concept layout. The kitchen is adorned with sleek granite countertops and modern stainless steel appliances. Situated conveniently close to West Destin's vibrant attractions, from top-notch restaurants to premier shopping destinations, championship golf courses, and the breathtaking Emerald Coast beaches.

9. 2024-04-26
   price $275,000
10. 2024-03-29
    listed $299,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $2,369 · $197/mo
• Projected year-2 tax: $2,369 · $197/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $24,630
• − Mortgage interest: −$11,175
• − Property taxes: −$2,369
• − Insurance: −$998
• − Repairs & maintenance: −$1,970
• − Management: −$1,970
• − HOA: −$9,168
• − Depreciation: −$5,804
• Taxable loss: −$8,824
• Est. tax savings @ 24.0%: +$2,118
• After-tax cash flow: $-3,513/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Okaloosa
• NCES district ID: 1201380
• Math proficiency: 60% ▼ -12.00%
• Reading proficiency: 60% ▼ -4.00%
• Median HH income: $55,601
• Composite: 51.62/100
• National rank: #1705
• State rank: #12 of 73 in FL

Livability — Destin

• Score: 79/100
• State rank: #158
• US rank: #2247

Category grades

Amenities F Commute F Cost of living D- Crime A+ Employment A+ Housing A+ Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Destin, FL
• County: Okaloosa County · 194,352 people
• City population: 18,855
• Metro: Crestview-Fort Walton Beach-Destin, FL
• Population (ZIP): 18,855
• Household income: $95,124
• Rent vs Own: 31.6% rent · 68.4% own
• Severe rent burden: 554.0

Population outlook (Okaloosa County) Hauer SSP2

• Today (2025): 235,133 people
• By 2030: 253,483 · +7.8%
• By 2040: 289,537 · +23.1%
• By 2050: 322,954 · +37.3%
• By 2075: 399,624 · +70.0%
• By 2100: 425,311 · +80.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Two or more races 10% Hispanic / Latino 7% Black 3% Asian 2%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Italian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 14% · Canada
• Languages at home: 83% English-only · Spanish 7% Other Indo-European 6% Russian/Polish/Slavic 2%

Political lean MEDSL · Okaloosa

• 2024 margin: Solid R (+42.4) · D 28.2% · R 70.7% · Other 1.1%
• 2008→2024 swing: +2.5pp toward D · 2008: -44.9pp · 2024: -42.4pp
• All cycles: 2024: R+42.4 2020: R+39.1 2016: R+47.8 2012: R+49.4 2008: R+44.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -147.89%
• Current HPI: 252.6715
• Rent YoY: ▲ 3.68%
• Metro: Crestview-Fort Walton Beach-Destin, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-33.3% since first listed

10 events — show timeline

• 2026-05-19 Price Changed $199,500 ECAR
• 2026-05-15 Relisted — ECAR
• 2026-03-19 Price Changed $205,000 ECAR
• 2026-02-23 Listed $219,500 ECAR
• 2026-01-20 Sold (Public Records) $200,000 Public Records
• 2026-01-18 Pending — ECAR
• 2026-01-16 Sold (MLS) $200,000 ECAR
• 2025-12-04 Listed $225,000 ECAR
• 2024-04-26 Price Changed $275,000 ECAR
• 2024-03-29 Listed $299,000 ECAR

Property tax history

+7.3%/yr

Latest (2025): $2,369 · +4.4% YoY. Source: county tax records.