11 Court Dr #11 · Destin, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 23 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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).
- Cash flow +11.4/30.0
- ARV discount +8.3/15.0
- Schools +6.6/10.0
- Condition / age +4.8/5.0
- Livability +4.0/5.0
- Rent growth +3.4/5.0
- 1% rule +3.3/10.0
- DSCR +3.3/10.0
- Appreciation +0.0/10.0
$284,500
11 Court Dr #11 · Destin, FL 32541
3 bd · 2.5 ba · 1,352 sqft · Townhouse
· 109 Days on market
Built 1984
871 sqft lot
$210/sqft
· at area comps
Est $290k · at est.
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Seller to pay for 2-1 buy down rate for qualified buyer which drops rates 2% first year & 1% second year when using preferred lender OR $8,000 towards buyers closing costs with full price offer! Full Interior & Exterior Remodeled Townhome in the center of Destin. This unit looks and feels brands new. New Exterior Siding, Exterior Decks & Railings Rebuilt, All new windows and interior and exterior doors. This unit has a fresh look with LVP throughout, modern fireplace, all new appliances, & quartz counters. The natural light in this unit is incredible. Every bedroom has an exterior patio. Washer and Dryer hook ups on first floor.
Key facts
- All new windows
- Interior remodeled
- All new appliances
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 3-bed/2.5-bath townhouse listed at $284k. Condition is rated excellent.
Deal economics
- At list price, monthly cash flow is $-97 ($-1k/yr) — negative.
- To cash-flow at today's rent, offer at most $270k (5.0% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $237k (16.9% below list).
- Recommended offer: $237k (16.9% below list) — sets the bar for 1% rule.
- Cap rate 5.9% vs local median 1.8% 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: crime A+, employment A+, housing 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.
- Zoned schools: Destin Elementary School (math 79% / reading 70%, grade A, #230 of 2,144 statewide, top 12%, 976 students, 41% FRL); Fort Walton Beach High School (math 54% / reading 58%, grade C, #131 of 667 statewide, top 20%, 1,620 students, 42% FRL).
- Market conditions: Rents rising (+3.7%/yr); 1343 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% 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 $2k of loan paydown is wiped out by about $9k 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 109 days — a 9% lower offer ($259k) is reasonable based on typical stale-listing flexibility.
- 7 sale attempts since 19y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$236,535
(16.9% below list)
Questions for the listing agent
- 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?
- It's been on market 109 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 0.83% ✗
- Cap rate
- 5.88%
- Cash-on-cash
- -1.47%
- DSCR
- 0.93
- GRM
- 10.0
CMA / ARV
- ARV (median comp)
- $289,855
- List price
- $284,500
- Delta
- -1.85%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 2 Court Dr #2 | 0.04mi | 2/2.5 (-1) | 1,216 (-10%) | 2mo | $279,000 | $229 | 75 |
| 1014 Airport Rd #173 | 0.46mi | 3/2.0 | 1,375 (+2%) | 2mo | $275,000 | $200 | 72 |
| 108 Bismark Blvd #47 | 0.49mi | 3/2.0 | 1,459 (+8%) | 1mo | $393,110 | $269 | 61 |
| 108 Bismark Blvd #53 | 0.47mi | 3/2.0 | 1,459 (+8%) | 2mo | $393,637 | $270 | 61 |
| 108 Bismark Blvd #52 | 0.47mi | 3/2.0 | 1,459 (+8%) | 2mo | $370,963 | $254 | 61 |
| 108 Bismark Blvd #51 | 0.47mi | 3/2.0 | 1,459 (+8%) | 4mo | $385,814 | $264 | 60 |
| 108 Bismark Blvd #48 | 0.49mi | 3/2.0 | 1,470 (+9%) | 1mo | $397,000 | $270 | 60 |
| 108 Bismark Blvd #42 | 0.49mi | 3/2.0 | 1,470 (+9%) | 2mo | $405,848 | $276 | 59 |
| 970 E Hwy 98 #1107 | 0.71mi | 3/3.0 | 1,400 (+4%) | 3mo | $700,000 | $500 | 57 |
| 295 Mattie M Kelly Blvd | 0.47mi | 3/2.5 | 1,543 (+14%) | 2mo | $250,000 | $162 | 53 |
| 301 Mattie M Kelly Blvd #301 | 0.50mi | 3/2.5 | 1,543 (+14%) | 3mo | $300,000 | $194 | 50 |
| 940 Us-98 #65 | 0.70mi | 2/2.5 (-1) | 1,191 (-12%) | 3mo | $405,000 | $340 | 40 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 3.68% rent growth · sell at horizon
5-year hold
- IRR
- -17.9%
- Equity multiple
- 0.36×
- Total profit
- $-50,645
- Equity at exit
- $42,420
10-year hold
- IRR
- -8.9%
- Equity multiple
- 0.43×
- Total profit
- $-45,173
- Equity at exit
- $24,598
Cash invested: $79,660 (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.
Buyer's market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 100 active · 27 under contract
- Months of supply
- 15.0 mo (7%/mo absorbed)
- Median asking
- $490,000 ($385/sqft)
- Median days on market
- 122 d
- This list price
- 13% of active listings are priced below it
- ARV vs active asking
- -44.3% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 32541
- Rents YoY
- 3.7%
- Active inventory
- 1343
- Price-to-rent
- 10.0×
Monthly cashflow live
↻
- Estimated rent
- $2,365 high interval (Pro) →
- Mortgage (P&I)
- −$1,492
- Tax est. 1.5%
- −$356 /mo · $4,268/yr
- Insurance
- −$119
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$497
- Net cashflow
- $-97
Break-even live
Break-even rent
$2,489
Max offer price
$270,393
Occupancy floor
99%
Sensitivity live
| Price | -10% $99 | -5% $1 | +0% $-97 | +5% $-196 | +10% $-294 |
|---|---|---|---|---|---|
| Rent | -10% $-284 | -5% $-191 | +0% $-97 | +5% $-4 | +10% $89 |
| Rate | -1.0pp $46 | -0.5pp $-25 | base $-97 | +0.5pp $-171 | +1.0pp $-246 |
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
- $71,125
- Closing costs
- $8,535
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2 Court Dr Destin, FL | 2.0 | 2.5 | 1216 | $2,000 | $1.64 | 162d | 1 | 0.02mi |
| 27 Court Dr Destin, FL | 2.0 | 2.5 | 1216 | $2,300 | $1.89 | 184d | 1 | 0.12mi |
| 421 Twin Lakes Ln Destin, FL | 3.0 | 2.5 | 1548 | $2,300 | $1.49 | 10d | 1 | 0.12mi |
| 417 Twin Lakes Ln Destin, FL | 3.0 | 2.5 | 1560 | $2,300 | $1.47 | 184d | 1 | 0.13mi |
| 221 Twin Lakes Ln Destin, FL | 3.0 | 2.5 | 1780 | $2,750 | $1.54 | 41d | 1 | 0.29mi |
| 1014 Airport Rd #105 Destin, FL | 3.0 | 2.5 | 1440 | $2,299 | $1.60 | 2d | 1 | 0.29mi |
| 1014 Airport Rd #138 Destin, FL | 3.0 | 2.5 | 1440 | $2,300 | $1.60 | 184d | 1 | 0.33mi |
| 400 Mattie M Kelly Blvd Destin, FL | 3.0 | 2.5 | 1681 | $2,500 | $1.49 | 154d | 1 | 0.38mi |
| 400 Mattie M Kelly Blvd #15 Destin, FL | 3.0 | 2.5 | 1664 | $2,500 | $1.50 | 10d | 1 | 0.38mi |
| 400 Mattie M Kelly Blvd #67 Destin, FL | 3.0 | 2.5 | 1618 | $2,600 | $1.61 | 10d | 1 | 0.38mi |
| 400 Mattie M Kelly Blvd #14 Destin, FL | 3.0 | 2.5 | 1664 | $2,575 | $1.55 | 162d | 1 | 0.38mi |
| 223 Mattie M Kelly Blvd Destin, FL | 3.0 | 2.5 | 1543 | $2,295 | $1.49 | 184d | 1 | 0.41mi |
| 245 Mattie M Kelly Blvd Destin, FL | 3.0 | 2.5 | 1540 | $2,250 | $1.46 | 29d | 1 | 0.44mi |
| 811 Airport Rd Unit C Destin, FL | 2.0 | 2.0 | 1000 | $1,795 | $1.79 | 10d | 1 | 0.48mi |
| 98 Palm St Destin, FL | 1.0–3.0 | 1.0–2.0 | 1061 | $2,949 | $2.78 | 2d | 26 | 0.49mi |
| 1209 Quail Lake Blvd Destin, FL | 2.0 | 2.5 | 1404 | $1,695 | $1.21 | 51d | 1 | 0.52mi |
| 160 S Mattie M Kelly Blvd Destin, FL | 1.0–3.0 | 1.0–2.0 | 1074 | $2,833 | $2.64 | 2d | 8 | 0.63mi |
| 94 Cord Pl Destin, FL | 3.0 | 2.0 | 1400 | $2,300 | $1.64 | 37d | 1 | 0.65mi |
| 734 Legion Dr #70 Destin, FL | 2.0 | 2.0 | 1180 | $1,965 | $1.67 | 10d | 1 | 0.65mi |
| 1150 Airport Rd Destin, FL | 3.0 | 2.5 | 1440 | $2,300 | $1.60 | 10d | 1 | 0.65mi |
| 409 Main St Destin, FL | 3.0 | 2.0 | 1577 | $2,700 | $1.71 | 51d | 1 | 0.66mi |
| 1150 Airport Rd #145 Destin, FL | 3.0 | 2.5 | 1440 | $2,200 | $1.53 | 1d | 1 | 0.66mi |
| 1150 Airport Rd #145 Destin, FL | 3.0 | 2.5 | 1440 | $2,200 | $1.53 | 162d | 1 | 0.66mi |
| 149 Bayou Dr Destin, FL | 2.0 | 2.0 | 1205 | $2,300 | $1.91 | 10d | 1 | 0.68mi |
| 970 Highway 98 E #206 Destin, FL | 2.0 | 2.0 | 1072 | $3,000 | $2.80 | 10d | 1 | 0.69mi |
| 3927 Mesa Rd Destin, FL | 3.0 | 2.0 | 1843 | $3,200 | $1.74 | 2d | 1 | 0.70mi |
| 404 Lee Ln Destin, FL | 3.0 | 2.0 | 1467 | $3,500 | $2.39 | 51d | 1 | 0.70mi |
| 47 Pine Ridge Trce Destin, FL | 3.0 | 2.0 | 1188 | $2,900 | $2.44 | 154d | 1 | 0.71mi |
| 150 Bent Arrow Dr #36 Destin, FL | 3.0 | 2.5 | 1452 | $2,100 | $1.45 | 154d | 1 | 0.71mi |
| 150 Bent Arrow Dr #36 Destin, FL | 3.0 | 2.5 | 1452 | $2,100 | $1.45 | 162d | 1 | 0.71mi |
| 3848 Mesa Rd Destin, FL | 3.0 | 2.0 | 1674 | $2,600 | $1.55 | 51d | 1 | 0.72mi |
| 4000 Gulf Terrace Dr Destin, FL | 2.0 | 1.0–2.0 | 1050 | $2,012 | $1.92 | 44d | 2 | 0.75mi |
| 4000 Gulf Terrace Dr Destin, FL | 2.0 | 2.0 | 1000 | $2,200 | $2.20 | 50d | 1 | 0.75mi |
| 4000 Gulf Terrace Dr Destin, FL | 1.0–2.0 | 1.0–2.0 | 919 | $1,825 | $1.99 | 31d | 3 | 0.75mi |
| 4000 Gulf Terrace Dr Destin, FL | 1.0–2.0 | 1.0–2.0 | 975 | $2,200 | $2.26 | 12d | 3 | 0.75mi |
| 132 Bayou Dr Destin, FL | 2.0 | 1.5 | 1161 | $2,200 | $1.89 | 184d | 1 | 0.75mi |
| 176 Bayou Dr Destin, FL | 2.0 | 2.0 | 1100 | $2,200 | $2.00 | 8d | 1 | 0.76mi |
| 37 Log Pl Destin, FL | 2.0 | 1.5 | 1261 | $1,750 | $1.39 | 162d | 1 | 0.76mi |
| 703 N Lakeside Dr Destin, FL | 2.0 | 2.0 | 1259 | $2,700 | $2.14 | 43d | 1 | 0.78mi |
| 150 Bent Arrow Dr Destin, FL | 3.0 | 2.5 | 1440 | $2,250 | $1.56 | 184d | 1 | 0.80mi |
Property features AI
Finance
- HOA & community
- Association present; fees include grounds maintenance and master association servicesCommunity pool
Exterior
- Parking
- 2 assigned parking spaces
- Security
- Smoke detectors
- Utilities
- Public waterPublic sewerElectric service availablePhone service availableTV cable available
- Home design
- Townhome2 storiesBuilt in 1984Entry on first floor
- Construction
- Composite shingle roofSlab foundationFrame construction with wood siding and wood trim
- Exterior features
- Lawn pumpOutdoor showerSprinkler systemOpen deckCovered patioPaved road accessPaved road surface
Interior
- Kitchen
- Kitchen on first floorDishwasherDisposalMicrowaveElectric water heater
- Bedrooms
- 3 bedroomsMaster bedroom on second floor with balcony
- Bathrooms
- 3 bathrooms (2 full, 1 half)
- Heating & cooling
- Central heatingCentral air conditioningCeiling fans
- Interior features
- Breakfast barFireplaceNewly paintedPantryWasher/dryer hookupWoodwork paintedDouble pane windowsDoors with energy-efficient features
- Laundry & utility
- Washer/dryer hookup
Listing history 50 events
-
2026-11-08days on market $284,500 Active 109 DOM
-
2026-11-07days on market $284,500 Active 108 DOM
-
2026-11-06days on market $284,500 Active 107 DOM
-
2026-11-05days on market $284,500 Active 106 DOM
-
2026-11-04days on market $284,500 Active 105 DOM
-
2026-11-02days on market $284,500 Active 103 DOM
-
2026-11-01days on market $284,500 Active 102 DOM
-
2026-10-31days on market $284,500 Active 101 DOM
-
2026-10-30days on market $284,500 Active 100 DOM
-
2026-10-29days on market $284,500 Active 99 DOM
-
2026-10-28days on market $284,500 Active 98 DOM
-
2026-10-27days on market $284,500 Active 97 DOM
-
2026-10-26days on market $284,500 Active 96 DOM
-
2026-10-25days on market $284,500 Active 95 DOM
-
2026-10-24days on market $284,500 Active 94 DOM
-
2026-10-23days on market $284,500 Active 93 DOM
-
2026-10-22days on market $284,500 Active 92 DOM
-
2026-10-21days on market $284,500 Active 91 DOM
-
2026-10-20days on market $284,500 Active 90 DOM
-
2026-10-19days on market $284,500 Active 89 DOM
-
2026-10-18days on market $284,500 Active 88 DOM
-
2026-10-17days on market $284,500 Active 87 DOM
-
2026-10-16days on market $284,500 Active 86 DOM
-
2026-10-15days on market $284,500 Active 85 DOM
-
2026-10-14days on market $284,500 Active 84 DOM
-
2026-10-13days on market $284,500 Active 83 DOM
-
2026-10-12days on market $284,500 Active 82 DOM
-
2026-10-11days on market $284,500 Active 81 DOM
-
2026-10-10days on market $284,500 Active 80 DOM
-
2026-10-09days on market $284,500 Active 79 DOM
-
2026-10-08days on market $284,500 Active 78 DOM
-
2026-10-07days on market $284,500 Active 77 DOM
-
2026-10-06days on market $284,500 Active 76 DOM
-
2026-10-05days on market $284,500 Active 75 DOM
-
2026-10-04days on market $284,500 Active 74 DOM
-
2026-10-03days on market $284,500 Active 73 DOM
-
2026-10-03price $284,500 Active 72 DOM
-
2026-10-02days on market $285,000 Active 72 DOM
-
2026-10-01days on market $285,000 Active 71 DOM
-
2026-09-30days on market $285,000 Active 70 DOM
-
2026-09-29days on market $285,000 Active 69 DOM
-
2026-09-28days on market $285,000 Active 68 DOM
-
2026-09-27days on market $285,000 Active 67 DOM
-
2026-09-26days on market $285,000 Active 66 DOM
-
2026-09-25days on market $285,000 Active 65 DOM
-
2026-09-24days on market $285,000 Active 64 DOM
-
2026-09-24days on market $285,000 Active 63 DOM
-
2026-09-22days on market $285,000 Active 62 DOM
-
2026-09-21days on market $285,000 Active 61 DOM
-
2026-09-20days on market $285,000 Active 60 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 10/10 Extreme 7 d/yr ≥103°F today · 23 d/yr by 30 yrs out
- Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $28,384
- − Mortgage interest
- −$15,936
- − Property taxes
- −$4,268
- − Insurance
- −$1,422
- − Repairs & maintenance
- −$2,271
- − Management
- −$2,271
- − Depreciation
- −$8,276
- Taxable loss
- −$6,060
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$1,454
- After-tax cash flow
- $285/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.
Condition & rehab AI · 8 photos
95/100
None rehab
This fully remodeled townhome in Destin is move-in ready with modern finishes and fresh curb appeal. Minor updates to exterior and landscaping could further enhance its value.
Value-add opportunities
- Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics. ↑
- Both Landscaping and curb appeal improvements — Enhances overall appeal and could attract more buyers/renters. ↑
- Both Add smart home features — Improves convenience and adds modern amenities that can increase value. ↑
- Rental Install smart thermostat — Improves energy efficiency and can attract renters looking for modern amenities. ↑
C
Composite school gradezoned avg 66/100
Zoned Schools
Elementary
Destin Elementary School
A
FL #230/2,144
Nat'l #2,202/41,679
Middle
Destin Middle School
A-
FL #80/571
Nat'l #1,048/14,009
High
Fort Walton Beach High School
C
FL #131/667
Nat'l #4,311/17,239
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
B
Composite livability gradescore 79/100
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 · 235,133 people
- City population
- 18,855
- Metro
- Crestview-Fort Walton Beach-Destin, FL
- Population (ZIP)
- 18,855
- Household income
- $95,124
- Rent vs Own
- Severe rent burden
- 13% of renters
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%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+32.6% since first listed11 events — show timeline
- 2026-04-27 Relisted — ECAR
- 2026-04-11 Pending — ECAR
- 2026-03-31 Price Changed $285,000 ECAR
- 2026-03-12 Listed $285,000 ECAR
- 2026-03-12 Listed $310,000 ECAR
- 2012-10-30 Listing Removed — NAMLS
- 2010-07-15 Listed $135,000 NAMLS
- 2010-07-15 Listed $135,000 ECAR
- 2007-06-11 Listing Removed — NAMLS
- 2007-04-10 Listed $215,000 NAMLS
- 2007-04-10 Listed $215,000 ECAR
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…