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Mossey Cove Homes for Sale

Mossey Cove is a townhome community on Indian Trail in Destin: 46 townhome parcels recorded in two county series, built in 1977, 1983 and 1984, plus a common-area parcel of about 4.2 acres.

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    Living in Mossey Cove

    Okaloosa County's subdivision index carries two entries: MOSSEY COVE T/H, entry 1611 under county number 00-2S-22-4250, and MOSSEY COVER T/H PH II, entry 1610 under 00-2S-22-4251, the second spelling being the county's own. The two entries cover 47 county parcels: 46 townhomes, coded SFR/TOWNHOUSE, and a single parcel coded as a residential common area.

    The 38 townhomes in the first series are recorded as built in 1977, and the 8 in the second as built in 1983 (two) and 1984 (six). The common-area parcel, whose legal wording covers the common areas of Phases 1 and 2, maps at about 4.2 acres and has no street address in the county's address layer. Who holds title to the common-area parcel is a question these county records leave open.

    All 46 townhomes carry Indian Trail addresses, Destin 32541, and the county's city-limits layer returned Destin at an interior point of all 47 parcels.

    On FEMA's national flood layer the 46 townhome outlines split three ways: 27 lie wholly in Zone X, 11 wholly in Zone VE at a base flood elevation of 11 feet, and 8 touch both. The common-area outline reaches Zone AE at 10 feet as well as Zone VE and Zone X. The county's own flood layer gives the same townhome counts. A parcel that merely grazes a zone boundary counts as touching, and at one interior point per parcel the split is 18 townhomes in Zone VE and 28 in Zone X, so a flood determination needs the individual address.

    A listing search dated August 20, 2026 counted 1 active and 26 sold dwellings under the Mossey Cove name, with land and common-area records excluded. That tally describes August 20, 2026 only and is not current inventory.

    HOA & Fees

    What is the HOA fee at Mossey Cove?

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

    • Townhomes: $365 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 one active MLS listing that reports an HOA fee.

    Live Inventory

    Homes for Sale in Mossey Cove

    Price Reduced

    $314,900

    3871 Indian Trail Unit 9-D

    Destin, FL 32541

    2 bd 1.5 ba 1,300 sqft

    Local Answers

    Mossey Cove FAQ

    How much is the HOA fee at Mossey Cove?

    As of November 11, 2026, Mossey Cove homes for sale that report a fee on the MLS list these HOA fees: townhomes, $365 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.

    Why does the county list Mossey Cove under two entries?

    The index carries MOSSEY COVE T/H as entry 1611 (00-2S-22-4250) and MOSSEY COVER T/H PH II as entry 1610 (00-2S-22-4251); COVER is the county's spelling. The 38 first-series townhomes date to 1977 and the 8 second-series ones to 1983 or 1984.

    What is the common-area parcel at Mossey Cove?

    It is the one parcel coded RES COMMON AREA, with legal wording for the common areas of Phases 1 and 2 and a mapped size of about 4.2 acres. Its address field is empty, and nothing in the records reviewed names the title holder.

    Which Mossey Cove townhomes sit in a coastal flood zone?

    On FEMA's national layer, 11 of the 46 townhome outlines lie wholly in Zone VE at 11 feet and 8 more touch both Zone VE and Zone X, while 27 are wholly in Zone X. Which unit falls where depends on its own address, so ask for its flood certificate.

    Which city do the Mossey Cove townhomes on Indian Trail fall in?

    Destin: the county's city-limits layer, sampled at one interior point per parcel, names it for all 47 parcels, and the townhome addresses all read Indian Trail, Destin 32541.

    What did the August 20, 2026 Mossey Cove count show?

    Under the Mossey Cove name, that day's listing search turned up 1 active dwelling and 26 sold ones. The records reviewed do not date the sold window, so treat it as a rough sense of activity and search again for what is available now.

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