Holiday Beach
Homes for Sale in Panama City Beach, FL

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, 50% sit outside the FEMA Special Flood Hazard Area (Zone X); 50% 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 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.

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.

Listings in this community report association dues of about $300 per month ($3,600 a year) — the median AssociationFee across 20 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.