Destin · Neighborhood
Cobbs Point Homes for Sale
Cobbs Point is a 27-parcel group of lots near Choctawhatchee Bay and Joe's Bayou inside the City of Destin, with homes built between 1938 and 2013, where 22 parcels touch a mapped flood hazard zone and five do not.
Short-term rentals: not yet confirmed for this neighborhood.
Living in Cobbs Point
County parcel series 00-2S-22-0000-0005 holds 27 lots in Destin: 24 single-family parcels, two vacant lots and one vacant residential parcel with extra features recorded. The legal descriptions use the name two ways, Cobbs Pt or Cobbs Point on 23 parcels and Unrecorded Hughes Estates (aka Cobbs Point) on four, so the name is a county label rather than one recorded plat. Lots run from 0.22 to 4.67 acres, 26.8 acres in all, with a median of 0.96 acre.
County address points give 25 Destin addresses, 20 on Bambi Drive and five on Cobbs Point Road, ZIP code 32541. The two parcels without a street address are both vacant, so the gap between 27 parcels and 25 addresses is not missing homes. The City of Destin's boundary, on the county's map, encloses the full set of 27 parcels. County subdivision records for James Cottages, Moreno Acres and Joe's Bayou 1st Addition lie within about 150 feet.
For 24 of the 27 parcels the county has a year built, ranging from 1938 to 2013; by decade that is one apiece in the 1930s and 1960s, four each in the 1970s and 2000s, six each in the 1980s and 1990s, and two in the 2010s.
On the U.S. Geological Survey's water map, Choctawhatchee Bay and Joe's Bayou come within about 65 feet of 22 of the lots, and the other five are 300 to 520 feet away. The county's FEMA layer maps only those five lots entirely as Zone X. Every one of the other 22 touches Zone VE, the coastal high hazard zone, at base flood elevations of 10 or 11 feet, and 14 of them also touch Zone AE at 8, 9 or 10 feet. Zone VE covers at least 5 percent of the ground on 11 lots and at least 20 percent on four. Many lots are crossed by several zones, so one zone label for Cobbs Point would mislead.
Neither the flood layers nor the parcel file can show a floor height, an insurance cost, or whether a dock or private water access comes with a lot. Look up the exact parcel first.
Searched for Cobbs Point in Destin on August 20, 2026, the listing system returned nothing active and 10 sold records. What it measures is past sales; it does not tally the 27 parcels or show supply today.
HOA & Fees
What is the HOA fee at Cobbs Point?
No HOA fee for Cobbs Point has been reported on the MLS in our records. Whether a home belongs to an association, and what it charges, is set by that home's recorded covenants, so ask a licensed real estate agent or the association about the home you are considering.
Live Inventory
Homes Near Cobbs Point
Nothing is actively listed inside Cobbs Point today - these nearby Destin homes are the closest matches.
Local Answers
Cobbs Point FAQ
How much is the HOA fee at Cobbs Point?
No HOA fee for Cobbs Point has been reported on the MLS in our records. Whether a home belongs to an association, and what it charges, is set by that home's recorded covenants, so ask a licensed real estate agent or the association about the home you are considering.
Does Cobbs Point belong to one recorded subdivision?
Not on the county's wording. Twenty-three parcels read Cobbs Pt or Cobbs Point and four read Unrecorded Hughes Estates (aka Cobbs Point), so the name is a county label rather than a single plat.
Do the 27 Cobbs Point parcels lie within Destin's city limits?
Yes. Mail to ZIP code 32541 says Destin, and the county's boundary layer agrees, with every one of the 27 parcels inside the city.
How many Cobbs Point lots touch the coastal high hazard zone?
In the county's FEMA layer, coastal high hazard Zone VE touches 22 of the 27 lots. For 11 of them it covers at least 5 percent of the lot, and for four at least 20 percent.
Which Cobbs Point lots are wholly outside the flood hazard zones?
Five: the parcels whose numbers end 0090, 0100, 0110, 012A and 0120, three single-family and two vacant. They are the five lots 300 to 520 feet from mapped water, and each sits wholly in Zone X.
How should the August 2026 sales count be read?
The search dated August 20, 2026 came up empty for active listings and returned 10 sold records. Those are sales tallied at a single past moment, so they neither count the 27 parcels nor show what is for sale now.
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Sources
- Okaloosa County IGIS parcels layer, Cobbs Point exact PIN series (accessed September 29, 2026)
- Okaloosa County IGIS SiteAddress layer, Cobbs Point PIN series (accessed September 29, 2026)
- Okaloosa County Geographic Information Systems (accessed September 29, 2026)
- Okaloosa County GIS, FEMA flood zone polygons for the area (accessed October 4, 2026)
- Okaloosa County GIS, city limits layer for the area (accessed October 4, 2026)
- USGS National Hydrography Dataset, named water bodies near the area (accessed October 4, 2026)
Cobbs Point Market Analytics
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Thinking about Cobbs Point?
Covenants, rental rules, resale history - get the neighborhood file from agents who work it.
