Holiday Beach
Homes for Sale in Panama City Beach, FL
All 733 homes for sale in Panama City Beach, FL · median $368,500 · 395 homes for sale in 32407 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Holiday Beach in Panama City Beach, FL has 25 homes for sale and 9 pending, asking from $288,900 to $1,299,000 (median $559,900). Over the 12 months ending 2026-09-20, 51 recorded sales closed at a median of $485,000, a median 67 days on market, sellers accepting 91% of original asking (+8% versus the prior year). Homes listed or recently sold were built 1970–2026 with 2 new construction; 10 of the 33 geocoded homes sit in a FEMA special flood hazard zone (median elevation 10 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $5,950 ($5,470 with the full homestead exemption).
Last 30 days in Holiday Beach: 10 new listings (median asking $738,500), 9 under contract right now. As of October 17, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
Homes For Sale Right Now in Holiday Beach
Live MLS inventory for Holiday Beach. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Holiday Beach listings as of 2026-10-14, priced high to low. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Price here is driven far more by condition and vintage than by any uniform standard. With a median build year of 1991 and a stock that stretches from 1935 all the way to 2024, two homes sitting a block apart can be worlds apart on price. The median sits at $473,000, but treat that as a midpoint across a wide spread, not a going rate — what you pay tracks how much work a given house needs and how close it sits to the water.
The current posture favors patience on both sides. A median of 71 days on market and a market heat score of 23 tell you this is not a bidding-war environment; homes sit, and buyers have room to inspect, negotiate, and walk. Prices are off 3% year over year, so sellers should price to the current market rather than to last year's hopes. Buyers get leverage, but with only 5 active listings, the right house may still take time to surface.
Holiday Beach right now
🟡 Still climbing. The trailing-12-month median ($485K) is up 7.8% from the prior 12 months ($450K) and up 259% since 2012.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: Very High (51 and 33 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 16, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Holiday Beach market snapshot (as of September 20, 2026): the median sale price is about $485K, and a median 67 days on market for closed sales. The trailing-12-month median is up 8% from the prior 12 months and up 259% since 2012, computed from record-level CPAR MLS closed sales (51 closings in the current window).
In ZIP 32407 (Panama City Beach), 1,458 homes closed in the last 12 months at a median of $398K ($183/sq ft), down 1.6% year over year, with a median 80 days on market. Right now 1,101 active and 151 pending listings put supply at about 6.7 months — a buyer's market. See the live ZIP 32407 housing market and the Bay County market.
County records show 69 qualified sales in Holiday Beach across 2024–2025 (39 in 2024, 30 in 2025), median $480,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Holiday Beach: of 24 listing addresses checked against the FEMA National Flood Hazard Layer, 58% sit outside the FEMA Special Flood Hazard Area (Zone X); 42% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Panama City Beach.
Holiday Beach is a community of 1,254 homes in Panama City Beach, Bay County, built between 1940 and 2024 (median 1993), with a median living area of about 1,728 square feet. 32% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Holiday Beach is a small, established slice of Panama City Beach in Bay County where the housing stock is old enough to vary widely and the pace of sales is unhurried. With just 5 active listings against 2,317 homes, inventory turns over slowly and selectively.
The setting & the homes.
Aerial and on-site photos of Holiday Beach. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Holiday BeachPhotos from CPAR MLS listings in Holiday Beach; content deemed reliable but not guaranteed.
Who Holiday Beach is best for.
Best for
- Second-home or rental-minded buyers comfortable owning in a market where most homes are not primary residences
- Buyers with a renovation budget who can look past dated finishes on older stock and price accordingly
- Patient buyers who value negotiating room over speed and can wait for the right listing among few actives
Probably not for
- Buyers who need to close quickly, since inventory is thin at just 5 active listings
- Buyers counting on quick appreciation or a fast flip, given the 3% year-over-year decline
- Buyers wanting large square footage or an amenity-rich community, neither of which this market offers
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($485K) IS the median in the snapshot above, and the move from 2025 ($450K) IS the +7.8% one-year change.
Windows contain 14 to 51 sales each (51 in the current window); every figure carries its sample size. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
26% of homes for sale in Holiday Beach are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-17).
Holiday Beach Market Scorecard
Holiday Beach is currently a balanced market., a median asking price of $542,450, and homes go under contract in about 68 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Holiday Beach on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap contributors.
The Holiday Beach buying strategy.
If we were buying in Holiday Beach today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Holiday Beach.
A condition-driven market with a long tail
The defining feature here is age range. Homes date as far back as 1935 and as recently as 2024, with the median landing in 1991. That means the $473,000 median masks real differences: an untouched older cottage and a rebuilt or new-construction home are not the same purchase, and neither should be priced off the other. Median living space runs about 1,662 square feet, so this is a market of modest footprints rather than sprawling floor plans.
A homestead share of roughly 29% signals that a large portion of these homes are not primary residences — consistent with a beach-town mix of second homes and rentals. No community amenities surfaced in current MLS listings, so the draw here is location and the individual property, not a shared amenity package. Buyers should underwrite each home on its own bones.
The location and the amenities are priced into every listing in Holiday Beach. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Holiday Beach buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.3). Basis: Long-Term Appreciation +259% since 2012; Recent Direction +7.8% year-over-year; Owner Commitment 32% owner-occupied; Pricing Power 91.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a thin, slow-moving market with only 5 active listings and a 71-day median, the value of local read-through is high. We help buyers separate a fairly priced home from one riding a stale asking number, and we help sellers set a figure that moves in a market that is down 3% year over year rather than one that lingers. With such a wide vintage range, our job is to price and inspect each house on its actual condition.
Holiday Beach in 15 seconds.
What it really costs to own in Holiday Beach
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $4,253/yr across 60 listings here (MLS tax records, 2026-10-16). |
|---|---|
| HOA dues | Median $300/month across 45 MLS listings (most billed quarterly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Bay County is $1,928/yr (1,264 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 23 listing addresses checked against the FEMA flood map, 57% sit outside the high-risk zone and 43% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 1993 across 66 listings. An original roof here would be about 33 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $815/month (tax $354, HOA $300, insurance $161). An estimate from the sources above, not a quote.
Email me new listings in Holiday Beach
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Holiday Beach
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Holiday Beach will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $300/month (about $3,600/yr) · median of 45 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $300 per month ($3,600 a year) — the median AssociationFee across 45 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Flood & Insurance Context
Of 23 sampled listing addresses in this community: 57% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 43% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=23) · as of 2026-10
Tools for a Holiday Beach buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Holiday Beach sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Holiday Beach, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Holiday Beach home worth?
Get a no-obligation home value based on real comparable sales in Holiday Beach, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Panama City Beach →
Recently off market in Holiday Beach
Homes in Holiday Beach that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 17 on record.
- 1919 Dorothy Avenue · off market
- 3816 Quarts Street D · off market
- 3817 Quail Street · off market
- 3909 Taurus Street · off market
- 6314 Sunset Avenue B · off market
- 6322 Pinetree Ave A · off market
- 6415 Sunset Avenue · off market
- 6500 Sunset Avenue · off market
| Location | Panama City Beach, Bay County, FL · ZIP 32407, 32408, 32413 |
|---|---|
| Homes in the community | 1,254 (FL DOR 2025 assessment roll) |
| Years built | 1940–2024 (median 1993) |
| Typical living area | 1,728 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 76%, attached 9%, duplexes 9% |
| Sale prices, last 12 months | $485,000 median across 51 closed sales · +7.8% vs the prior 12 months |
| Days on market (closed sales) | 67 median |
| For sale right now | 24 active, 10 pending · median asking $542,450 |
| Owner-occupied (homestead) share | 32% |
Data as of September 20, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Holiday Beach key facts,” movewithmomentum.com/neighborhoods/holiday-beach, data as of September 20, 2026.
Housing distress & ownership in Holiday Beach, Panama City Beach
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Just listed in Holiday Beach
The newest homes for sale in Holiday Beach right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 4115 Holiday Drive, Panama City, FL 32408 $1,299,000 · 4 bd · 4 ba · new today Courtesy of Think Real Estate
- 6508 Sunset Avenue A & B, Panama City, FL 32408 $662,000 · 4 bd · 2 ba · 1 day on market Courtesy of HomeCoin.com
- 6213 S Lagoon Drive B, Panama City, FL 32408 $288,900 · 2 bd · 2 ba · 5 days on market Courtesy of Beachy Beach Real Estate
- 7018 S Lagoon Drive, Panama City Beach, FL 32408 $999,900 · 2 bd · 2 ba · 9 days on market Courtesy of Scenic Sotheby's International Realty
- 7202 S Lagoon Drive, Panama City, FL 32408 $895,000 · 3 bd · 4 ba · 10 days on market Courtesy of ERA Neubauer Real Estate, Inc
- 7012 S Lagoon Drive, Panama City, FL 32408 $815,000 · 3 bd · 2 ba · 10 days on market Courtesy of Salty Marlin Realty LLC
Checked against the MLS Oct 16, 2026. All new listings in this market.
More Panama City Beach home searches
- All homes for sale in Panama City Beach, FL
- Homes for sale in Bay County, FL
- Homes under $300K in Panama City Beach
- Homes from $300K to $500K in Panama City Beach
- 4-bedroom homes for sale in Panama City Beach
- Panama City Beach home values: what is my house worth?
- ZIP 32407 housing scorecard
- 3 coming-soon communities in Bay County
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- S Lagoon Drive (5 homes on record)
- Sunset Avenue (3 homes on record)
- Sunset Avenue (3 homes on record)
- Beach Drive (3 homes on record)
- S Lagoon Drive (3 homes on record)
- Hilltop Avenue (3 homes on record)
- Hilltop Avenue (3 homes on record)
- Thomas Drive (2 homes on record)
- Thomas Drive (2 homes on record)
- Sunset Avenue (2 homes on record)
- Beach Drive (2 homes on record)
- Beach Drive (2 homes on record)
Recent Developments in Holiday Beach
Development, infrastructure, retail, and school activity affecting Holiday Beach, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Development
Tyndall Air Force Base rebuild continues with about 140 new facilities
WJHG reports Tyndall AFB is rebuilding with roughly 140 new hurricane-resistant facilities after Hurricane Michael in 2018, and now hosts F-35 squadrons. Most current projects are expected to finish by 2027, while other buildings await congressional funding and the work has faced labor and budget constraints.
What it may mean for the marketContinued base construction and F-35 operations sustain military and contractor employment and construction activity in the eastern Bay County area. The site is about 10 miles southeast of Holiday Beach.
Source: WJHG - September 2026Retail & Dining
Panama City meets Houston developer interested in part of Panama City Mall site
Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.
What it may mean for the marketPossible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The site is about 1 mile northeast of Holiday Beach.
Source: WJHG - August 2026Development
Deal reached to redevelop historic Panama City Grammar School into apartments and townhomes
Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.
What it may mean for the marketReuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The site is about 2 miles southeast of Holiday Beach.
Source: WJHG - August 2026Infrastructure
HCA Florida Gulf Coast Hospital announces $125 million expansion
HCA Florida Gulf Coast Hospital announced a $125 million expansion on its 23rd Street campus, including a new patient tower with 34 additional beds, a 16-bed orthopedic and spine unit, a fourth cath lab, an expanded women's center and a 5,000-square-foot outpatient entrance expansion. The project is in design, with construction of 24 to 36 months and completion targeted for 2029.
What it may mean for the marketAdded hospital capacity and specialty services would improve local healthcare access and add medical-sector employment along the 23rd Street corridor. The site is less than a mile southwest of Holiday Beach.
Source: WJHG - August 2026Infrastructure
Bay County approves $13.5 million water treatment plant expansion
Bay County commissioners approved a $13.5 million contract with NCMC Construction to add three large sand filters (30 by 50 feet each) to the county water treatment plant, which now runs 11 filters. Construction is expected to start soon and take about a year, and officials say water bills should not rise because of it.
What it may mean for the marketAdded filtration and backup capacity supports water service reliability for a county where demand has more than doubled in 15 years. The site is about 7 miles northeast of Holiday Beach.
Source: WJHG - July 2026Civic
Panama City approves 12-month moratorium on AI data centers
Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.
What it may mean for the marketA temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The site is about 2 miles southeast of Holiday Beach.
Source: WJHG News Channel 7
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Holiday Beach?
How long do homes in Holiday Beach take to sell?
How many homes are in Holiday Beach?
What share of Holiday Beach is owner-occupied?
When were the homes in Holiday Beach built?
Have Holiday Beach home prices gone up?
Who is the best real estate agent for Holiday Beach?
How do I find a top Panama City Beach real estate agent who knows Holiday Beach?
Can Momentum Realty connect me with an agent for Holiday Beach?
Where is Holiday Beach, and what county is it in?
Is Holiday Beach in a flood zone?
Is Holiday Beach a good place to live?
Should you buy in Holiday Beach?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: October 14, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32407/32408/32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (552 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of CPAR MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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More on Holiday Beach
- Home values · What homes in Holiday Beach actually sell for
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