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Destin · Community

Kelly Plantation Homes for Sale

A 900-acre gated golf community on Choctawhatchee Bay, its 18-hole course designed by Fred Couples and Gene Bates.

Updated

  • Gated
  • Golf

Short-term rentals: not allowed, per our brokerage's rental review.

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Living in Kelly Plantation

Kelly Plantation spreads 900 gated acres along Choctawhatchee Bay, wrapped around an 18-hole golf course designed by Fred Couples and Gene Bates. Estate homes and villas line the fairways and bayfront, with owners sharing a bay-side pool, tennis and pickleball courts, a fitness center, and owners' club. It is built for full-time living away from beach traffic. Housing stock splits into three tiers: fairway homes, bayfront estates along the bay shoreline, and villas near the club that suit lock-and-leave seasonal owners. Leasing here is governed by the association's recorded covenants rather than the nightly-rental market, so buyers planning any rental use should read them during diligence; the community's orientation is unmistakably residential. Buyers weighing Kelly Plantation against beach-side luxury should count the practical wins too: no summer beach traffic to cross, and golf-course living the beach corridor cannot offer. The 250-acre nature preserve and its walking trails remain unusual for a Destin community, and club membership is offered separately from home ownership, so confirm the current membership options and their costs directly with the club during diligence.

HOA & Fees

What is the HOA fee at Kelly Plantation?

As of November 11, 2026, Kelly Plantation homes for sale that report a fee on the MLS list these HOA fees:

  • Single-family homes: $300 to $515 a month, median $327 (9 listings)
  • Townhomes: $665 a month (3 listings)
  • Condos: $2,244 a month (1 listing)

Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

Based on 13 active MLS listings that report an HOA fee. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent.

  • Fred Couples & Gene Bates golf course
  • Bayfront owners' club & pool
  • Tennis, pickleball & 250-acre nature preserve
  • Gated community

Live Inventory

Homes for Sale in Kelly Plantation

13

Active Listings

$1.2M

Median List Price

$400

Avg Price / Sqft

Live from today's Kelly Plantation MLS file. This count covers condos, townhomes and single-family homes only, the same dwelling basis the market page uses, so lots and land are left out. The median and $/sq ft beside it cover the same 13 listings.

NewLuxury

$1,895,000

400 Terrapin Trc Trce

Destin, FL 32541

5 bd 4 ba 3,395 sqft
New

$1,499,000

392 Terrapin Trace

Destin, FL 32541

3 bd 3.5 ba 3,535 sqft
New

$975,000

4318 Carriage Lane

Destin, FL 32541

3 bd 2 ba 2,664 sqft

$995,000

4326 Carriage Lane

Destin, FL 32541

3 bd 2.5 ba 2,489 sqft
Price Reduced

$910,000

371 Terrapin Trace

Destin, FL 32541

3 bd 3 ba 2,084 sqft

$1,299,500

284 Champion Court

Destin, FL 32541

4 bd 3.5 ba 3,215 sqft
Price Reduced

$910,000

4375 Bahia Lane

Destin, FL 32541

3 bd 2.5 ba 2,862 sqft
Price Reduced

$1,195,000

4367 Bahia Lane

Destin, FL 32541

4 bd 3 ba 2,975 sqft
Price ReducedLuxury

$1,535,000

4379 Old Bayou Trail

Destin, FL 32541

4 bd 3.5 ba 3,494 sqft
Price Reduced

$924,900

4345 Bahia Lane

Destin, FL 32541

4 bd 3.5 ba 2,842 sqft
Price ReducedLuxury

$1,575,000

6326 Augusta Cove

Destin, FL 32541

5 bd 3.5 ba 3,992 sqft
Price Reduced

$1,050,000

400 Kelly Plantation Drive Unit 401

Destin, FL 32541

2 bd 2.5 ba 2,505 sqft
Price Reduced

$1,375,000

237 Matties Way

Destin, FL 32541

4 bd 4 full, 2 half ba 4,330 sqft

Local Answers

Kelly Plantation FAQ

How much is the HOA fee at Kelly Plantation?

As of November 11, 2026, Kelly Plantation homes for sale that report a fee on the MLS list these HOA fees: single-family homes, $300 to $515 a month, median $327 (9 listings); townhomes, $665 a month (3 listings); condos, $2,244 a month (1 listing). Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

Does Kelly Plantation allow short-term rentals?

The community is residential in character, and leasing is governed by the association's recorded covenants, which are available to owners through the association - confirm the current rules there during diligence. Buyers seeking STR income are generally better served by Destin's beach corridor; Kelly Plantation competes on privacy, golf, and bayfront lifestyle.

What home styles are in Kelly Plantation?

Primarily custom estate homes on golf or bay frontage, plus villas near the club, with architectural review keeping the streetscapes consistent. Confirm what any villa's association actually maintains during diligence rather than assuming a maintenance arrangement.

What are the community amenities?

An 18-hole golf course designed by Fred Couples and Gene Bates, a bay-side owners' club with pool, a fitness center, tennis and pickleball courts, a dog park, and a 250-acre nature preserve with walking trails, all inside the community's gates.

Explore the Area

Other Destin Neighborhoods

Condo Buildings in This Market

Communities in This Market

Sources

Kelly Plantation Market Analytics

Sale prices, trends, days on market, and inventory - refreshed monthly from MLS data.

See the market report

Thinking about Kelly Plantation?

Covenants, rental rules, resale history - get the neighborhood file from agents who work it.

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