Holiday Surf & Racquet Club
Homes for Sale in Destin, FL
All 602 homes for sale in Destin, FL · median $629,000 · 607 homes for sale in 32541 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
As of October 2026, Holiday Surf & Racquet Club in Destin, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $525,000, a median 33 days on market, sellers accepting 96% of original asking (+3% versus the prior year). Homes listed or recently sold were built 1975–1978; 7 of the 8 geocoded homes sit in a FEMA special flood hazard zone (median elevation 10 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $6,770 ($6,260 with the full homestead exemption).

Holiday Surf & Racquet Club is a Destin condo play where the number that moves the needle is condition, not square footage. With a median around $523,500 and no distinguishing amenities surfacing in current MLS data, price here tracks how updated a given unit is and how it sits relative to the water. Treat the median as a midpoint, not a menu — the spread on either side is driven by renovation status.
The current posture is balanced-to-cooling. A median of 20 days means well-priced, move-in units still clear quickly, but the year-over-year figure is down 3.1%, so this is not a market that rewards ambitious pricing. Sellers should price to the recent comps and expect a fast result; buyers have modest leverage but little inventory — only two active listings — so the trade-off is patience against selection.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Holiday Surf & Racquet Club right now
🟡 Balanced market. 4.8 months of supply and 33% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Emerald Coast MLS records, as of September 20, 2026. Confidence: Medium (3 active and pending listings, 5 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($525K) is up 2.9% from the prior 12 months ($510K) and up 167% since 2012. With about 7 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Emerald Coast MLS closed sales, 12-month windows ending September 20. Confidence: Low (5 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Holiday Surf & Racquet Club market snapshot (as of September 20, 2026): the median sale price is about $525K, a median 33 days on market for closed sales, and 4.8 months of supply, a balanced market. The trailing-12-month median is up 3% from the prior 12 months and up 167% since 2012, computed from record-level Emerald Coast MLS closed sales (5 closings in the current window).
In ZIP 32541 (Destin), 790 homes closed in the last 12 months at a median of $730K ($199/sq ft), down 1.9% year over year, with a median 96 days on market. Right now 488 active and 65 pending listings put supply at about 9.0 months — a soft market. See the live ZIP 32541 housing market and the Okaloosa County market.
Emerald Coast MLS sales records identify 62 homes in HOLIDAY SURF & RACQUET CLUB that have changed hands since 2001, built between 1972 and 1978 (median 1978), with a median living area of about 950 sq ft and a typical 2-bedroom, 2-bath layout; 100% are condominiums. Source: Emerald Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
This is a small, thin-inventory Destin condo community: a handful of closings and just two active listings mean each unit's condition and position define its value more than any list of shared perks.
The setting & the homes.
Aerial and on-site photos of Holiday Surf & Racquet Club. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Emerald Coast MLS listings in Holiday Surf & Racquet Club; content deemed reliable but not guaranteed.
Who Holiday Surf & Racquet Club is best for.
Best for
- Buyers targeting a Destin condo near the water who can move fast on limited inventory
- Value-add buyers willing to renovate a dated unit and capture the condition premium
- Long-horizon owners comfortable with a slow, steady Destin cycle rather than a quick flip
Probably not for
- Buyers who need multiple options on the market at once before committing
- Buyers expecting an amenity-rich community, since none surface in current listings
- Short-term speculators counting on near-term appreciation against a market down year over year
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 Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($525K) IS the median in the snapshot above, and the move from 2025 ($510K) IS the +2.9% one-year change.
Windows contain 1 to 14 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
10% of homes for sale in ZIP 32541 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 (2026-10-20).
Holiday Surf & Racquet Club Market Scorecard
Holiday Surf & Racquet Club is currently a balanced market. About 4.8 months of supply, a median asking price of $539,500, and homes go under contract in about 73 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Emerald Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Holiday Surf & Racquet Club
Live MLS inventory for Holiday Surf & Racquet Club. 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 Surf & Racquet Club listings as of 2026-10-19, priced high to low. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Holiday Surf & Racquet Club on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap contributors.
Schools
- Okaloosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Destin · Elementary
- Destin · Middle
- Destin · High
Zoned schools reflect the assignments reported on recent Holiday Surf & Racquet Club listings and can change; always confirm with Okaloosa County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Holiday Surf & Racquet Club address.
Shop the zone: Homes zoned for Destin High School
The Holiday Surf & Racquet Club buying strategy.
If we were buying in Holiday Surf & Racquet Club 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 Surf & Racquet Club.
A condition-driven condo market on a thin float
With a market heat score of 46 and a 20-day median time to contract, Holiday Surf & Racquet Club sits near the middle of the temperature range — active enough that sharp listings move, soft enough that overpricing stalls. The long arc is the stronger story: values are up 176% since 2012, even with the recent 3.1% pullback. That combination says a durable Destin location working through a normal, unhurried cycle.
Because no community amenities surface from the current listings, don't underwrite this on shared features — underwrite it on the individual unit and its proximity to the water. With only two homes active at any time, the practical challenge is availability, not choice. When the right layout and condition come up, decisiveness matters more than negotiation.
The location and the amenities are priced into every listing in Holiday Surf & Racquet Club. 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 Surf & Racquet Club 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 (7.2). Basis: Long-Term Appreciation +167% since 2012; Recent Direction +2.9% year-over-year; Liquidity & Demand 4.8 months of supply; Pricing Power 95.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Thin inventory and condition-based pricing reward local reads, not algorithms. We track the small closing window here unit by unit, help sellers price to what actually cleared, and position buyers to move quickly when one of the few listings hits the market. In a community this small, the difference between a fair deal and a stale one is knowing the comps cold.
Holiday Surf & Racquet Club in 15 seconds.
Tools for a Holiday Surf & Racquet Club 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 Surf & Racquet Club sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Holiday Surf & Racquet Club, 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 Surf & Racquet Club home worth?
Get a no-obligation home value based on real comparable sales in Holiday Surf & Racquet Club, 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 Destin →
Recently off market in HOLIDAY SURF & RACQUET CLUB
Homes in HOLIDAY SURF & RACQUET CLUB 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. 2 on record.
- 510 Gulf Shore Drive #117 · off market
- 510 Gulf Shore Drive #607 · off market
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | Exercise Room, Gated, Waterfront, Community Room, Elevators, Pool |
| Sale prices, last 12 months | $525,000 median across 5 closed sales · +2.9% vs the prior 12 months |
| Days on market (closed sales) | 33 median |
| For sale right now | 2 active, 1 pending · median asking $539,500 · 4.8 months of supply |
Data as of September 20, 2026. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Market figures describe homes, not residents. Cite as: Momentum Realty, “Holiday Surf & Racquet Club key facts,” movewithmomentum.com/neighborhoods/holiday-surf-racquet-club, data as of September 20, 2026.
Housing distress & ownership in HOLIDAY SURF & RACQUET CLUB, Destin
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 data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Just listed in Holiday Surf & Racquet Club
The newest homes for sale in Holiday Surf & Racquet Club right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 510 Gulf Shore Drive #102 $540,000 · 2 bd · 1 ba · 54 days on market Courtesy of Anchor Realty Florida
- 510 Gulf Shore Drive #307 $539,000 · 2 bd · 2 ba · 74 days on market Courtesy of Scenic Sotheby's International Realty
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Holiday Surf Racquet Club Right Now (2)
All 2 active and pending Holiday Surf Racquet Club listings with a detail page, newest first, refreshed twice a day from the MLS.
- 510 Gulf Shore Drive #102 · $540,000 · 2 bd / 1 ba · listed Aug 27, 2026 · listed by Anchor Realty Florida
- 510 Gulf Shore Drive #307 · $539,000 · 2 bd / 2 ba · listed Aug 7, 2026 · listed by Scenic Sotheby's International Realty
Recently sold in Holiday Surf Racquet Club
- 510 Gulf Shore Drive #117 · sold $405,000
- 510 Gulf Shore Drive #607 · sold $532,500
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Destin home searches
- All homes for sale in Destin, FL
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- Destin waterfront homes for sale
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- Homes from $300K to $500K in Destin
- 4-bedroom homes for sale in Destin
- Destin home values: what is my house worth?
- ZIP 32541 housing scorecard
Destin guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Property taxes (Okaloosa County)
- Homestead exemption (Okaloosa County)
- Home insurance cost
- New construction
- New construction (Okaloosa County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in Destin? Join Momentum in Destin: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Gulf Shore Drive (1 homes on record)
What it really costs to own in Holiday Surf & Racquet Club
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 $5,400/yr across 3 listings here (MLS tax records, 2026-10-20). |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Okaloosa County is $2,644/yr (1,101 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1975 across 6 listings. An original roof here would be about 51 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. |
Email me new listings in Holiday Surf & Racquet Club
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 Surf & Racquet Club
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Holiday Surf & Racquet Club will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Holiday Surf & Racquet Club?
How long do homes in Holiday Surf & Racquet Club take to sell?
Is Holiday Surf & Racquet Club a buyer's or seller's market right now?
Have Holiday Surf & Racquet Club home prices gone up?
Who is the best real estate agent for Holiday Surf & Racquet Club?
How do I find a top Destin real estate agent who knows Holiday Surf & Racquet Club?
Can Momentum Realty connect me with an agent for Holiday Surf & Racquet Club?
Where is Holiday Surf & Racquet Club, and what county is it in?
Is Holiday Surf & Racquet Club a good place to live?
Should you buy in Holiday Surf & Racquet Club?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: October 19, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1995 (138 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 Emerald Coast 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.
Own a home here?
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Emerald Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how HOLIDAY SURF & RACQUET CLUB fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Holiday Surf & Racquet Club
- Home values · What homes in Holiday Surf & Racquet Club actually sell for
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