Holiday Isle
Homes for Sale in Destin, FL
All 603 homes for sale in Destin, FL · median $634,900 · 618 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 September 2026, Holiday Isle in Destin, FL has 13 homes for sale and 1 pending, asking from $929,000 to $7,850,000 (median $2,299,000). Over the 12 months ending 2026-09-20, 11 recorded sales closed at a median of $2,060,000, a median 76 days on market, sellers accepting 89% of original asking (+19% versus the prior year). Homes listed or recently sold were built 1971–2025 with 1 new construction; 9 of the 15 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft). At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $26,560 ($26,050 with the full homestead exemption).
| Location | Destin, Okaloosa County, FL · ZIP 32541 |
|---|---|
| Homes in the community | 327 (FL DOR 2025 assessment roll) |
| Years built | 1968–2024 (median 1982) |
| Typical living area | 2,800 sq ft (median) |
| Home types (current listings and sales) | detached single family 81%, townhouses 19% |
| Amenities listed by sellers | Beach, Waterfront, Deed Access, Fishing, Pets Allowed, Short Term Rental - Allowed |
| Sale prices, last 12 months | $2,060,000 median across 11 closed sales · +19.1% vs the prior 12 months |
| Days on market (closed sales) | 76 median |
| For sale right now | 13 active, 2 pending · median asking $2,299,000 · 14.2 months of supply |
| Owner-occupied (homestead) share | 25% |
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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “HOLIDAY ISLE key facts,” movewithmomentum.com/neighborhoods/holiday-isle, data as of September 20, 2026.
Last 30 days in Holiday Isle: 1 new listing (median asking $929,000), 1 under contract right now, 2 closed sales (median $872,500). As of September 26, 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.
Homes For Sale Right Now in Holiday Isle
Live MLS inventory for Holiday Isle. 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 · 180 daysTop listing
Active · 342 days
Active · 1363 days
Active · 387 days
Active · 32 days
Active · 108 days
Active · 203 days
Active · 202 days
Active · 189 days
Active · 49 days
Active · 44 days
Active · 72 daysActive · 18 days
Pending · 14 daysActive and pending Holiday Isle listings as of 2026-09-26, 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.
Every Home for Sale in Holiday Isle Right Now (13)
All 13 active and pending Holiday Isle listings with a detail page, newest first, refreshed twice a day from the MLS.
- 109 Durango Road · $929,000 · 3 bd / 3 ba · listed Sep 7, 2026 · listed by Berkshire Hathaway HomeServices
- 129 Durango Road #1 · $1,099,000 · 3 bd / 3 ba · listed Aug 31, 2026 · listed by EXP Realty LLC
- 531 Vera Cruz Drive · $2,400,000 · 4 bd / 3 ba · pending · listed Aug 28, 2026 · listed by Crye-Leike Coastal Realty
- 514 Vera Cruz Drive · $2,599,000 · 6 bd / 6 ba · listed Aug 24, 2026 · listed by Century 21 AllPoints Realty
- 521 Gulf Shore Drive · $1,825,000 · 5 bd / 3 ba · listed Aug 12, 2026 · listed by Innerscope Realty LLC
- 604 Magnolia Drive · $1,855,000 · 4 bd / 3.5 ba · listed Aug 7, 2026 · listed by Mainsail Realty Company
- 522 Osceola Drive · $2,299,000 · 4 bd / 3.5 ba · listed Jul 26, 2026 · listed by Mainsail Realty Company
- 517 Osceola Drive · $1,875,000 · 3 bd / 3 ba · listed Jun 27, 2026 · listed by The Ketchersid Group LLC
- 524 Vera Cruz Drive · $2,245,000 · 4 bd / 2 ba · listed Jun 27, 2026 · listed by Scenic Sotheby's International Realty
- 621 Choctaw Drive · $2,299,000 · 4 bd / 4.5 ba · listed Jun 27, 2026 · listed by Mainsail Realty Company
- 612 Magnolia Drive · $4,500,000 · 4 bd / 4.5 ba · listed Jun 27, 2026 · listed by Somers & Company
- 36 Gulf Breeze Court · $3,400,000 · 6 bd / 7 ba · listed Jun 27, 2026 · listed by RE/MAX Coastal Properties
- 24 Norriego Road · $3,950,000 · 5 bd / 5.5 ba · listed Jun 27, 2026 · listed by Somers & Company
Holiday Isle sits at the tip of Destin, and location does most of the pricing work here. With a median around $2,225,000 and a housing stock that dates back to 1968 but runs current through 2024, price is driven far more by proximity, lot, and condition than by any single build era — the median year built lands in 1983, so you are shopping a wide span of vintages under one median.
The posture right now is a hot number on paper cooled by reality on the ground. Prices are up 28.6% year over year and 334% since 2012, yet the median home takes 76 days to sell and only 12 listings are active against 404 homes. That combination — strong appreciation, thin inventory, slow days on market, and a heat score of 58 — reads as a high-ticket market where sellers hold firm and buyers take their time. Bring patience and a sharp read on condition to both sides of the table.
Holiday Isle right now
🟢 Buyer-leaning market. 14.2 months of supply and 13% of the inventory already under contract give buyers above-average negotiating leverage.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: High (15 active and pending listings, 11 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($2.06M) is up 19.1% from the prior 12 months ($1.73M) and up 292% since 2012. With about a dozen 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 (11 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 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 Isle market snapshot (as of September 20, 2026): the median sale price is about $2.06M, a median 76 days on market for closed sales, and 14.2 months of supply, a buyer-leaning market. The trailing-12-month median is up 19% from the prior 12 months and up 292% since 2012, computed from record-level Emerald Coast MLS closed sales (11 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.
County records show 13 qualified sales in HOLIDAY ISLE across 2024–2025 (9 in 2024, 4 in 2025), median $647,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in HOLIDAY ISLE: of 15 listing addresses checked against the FEMA National Flood Hazard Layer, 40% sit outside the FEMA Special Flood Hazard Area (Zone X); 60% 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 Destin.
Holiday Isle is a community of 327 homes in Destin, Okaloosa County, built between 1968 and 2024 (median 1982), with a median living area of about 2,800 square feet. 25% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
This is a small, high-priced pocket at the end of Destin where turnover is limited and only about a quarter of homes carry a homestead exemption — a signal that much of the inventory trades as second homes or investment property rather than primary residences.
The setting & the homes.
Aerial and on-site photos of Holiday Isle. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Holiday IsleHoliday IsleHoliday IsleHoliday IsleHoliday IsleHoliday IsleHoliday IsleHoliday IslePhotos from Emerald Coast MLS listings in Holiday Isle; content deemed reliable but not guaranteed.
Who Holiday Isle is best for.
Best for
- Second-home buyers with a budget at or above the mid-seven-figure median who want a coastal Destin base
- Long-horizon investors comfortable holding property that trades slowly and appreciates over years, not months
- Buyers who value condition and location over square footage and will pay for a renovated, well-placed home
Probably not for
- Buyers needing a primary-residence starter under the median at this price point
- Anyone who wants a wide selection of active listings and fast transactions
- Buyers relying on tidy price-per-foot math across a community with a 1968-to-2024 build span
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 ($2.06M) IS the median in the snapshot above, and the move from 2025 ($1.73M) IS the +19.1% one-year change.
Windows contain 5 to 20 sales each (11 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.
7% of homes for sale in Holiday Isle 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 (2026-09-27).
HOLIDAY ISLE Market Scorecard
HOLIDAY ISLE is currently a strong buyer's market. About 13.0 months of supply, a median asking price of $2,299,000, and homes go under contract in about 181 days.
Typical home value in the 32541 ZIP is $614,544, about 33.3% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in HOLIDAY ISLE, 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.
Holiday Isle 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, tiles © CARTO.
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 Isle 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 Isle address.
Shop the zone: Homes zoned for Destin High School · Homes zoned for Fort Walton Beach High School
The Holiday Isle buying strategy.
If we were buying in Holiday Isle 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Isle.
A condition-driven market with a long vintage span
The build range from 1968 to 2024 is the story. In a community where the median home was built in 1983 but new construction still comes online, two properties at similar footprints can price very differently based on renovation level, elevation, and how close they sit to the water. The median living area of roughly 2,671 square feet gives you a reference point, but the spread around the median price is wide and driven by condition — do not expect a clean price-per-foot to hold across the community.
Absorption matters at this price. Nine closings in the trailing window against 12 active listings tells you this is a low-volume, high-ticket market. A 76-day median days-on-market is not distress; it is the normal cadence for property that requires the right buyer. Sellers who price to the last comp and wait tend to get their number; buyers who move quickly on the rare well-priced listing tend to win.
The location and the amenities are priced into every listing in Holiday Isle. 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 Isle 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 5 factors (5.0). Basis: Long-Term Appreciation +292% since 2012; Recent Direction +19.1% year-over-year; Liquidity & Demand 14.2 months of supply; Owner Commitment 25% owner-occupied; Pricing Power 89.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a low-inventory, high-price market like Holiday Isle, the work is in reading condition, vintage, and location against a thin comp set — nine closings do not give you a deep well of data. We price to what actually sold and why, flag the renovation and elevation differences that move value in a wide-vintage community, and keep you patient enough to transact well at this ticket size rather than chasing a fast headline.
Holiday Isle in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Holiday Isle 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 Isle sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Holiday Isle, 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 Isle home worth?
Get a no-obligation home value based on real comparable sales in Holiday Isle, 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 ISLE
Homes in HOLIDAY ISLE 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. 4 on record.
- 4 Magnolia Drive · off market
- 415 Gulf Shore Drive #17 · off market
- 602 Lagoon Dr Drive · off market
- 620 Lagoon Drive · off market
Frequently Asked Questions
What is the median home price in Holiday Isle?
How long do homes in Holiday Isle take to sell?
Is Holiday Isle a buyer's or seller's market right now?
How many homes are in Holiday Isle?
What share of Holiday Isle is owner-occupied?
When were the homes in Holiday Isle built?
Have Holiday Isle home prices gone up?
Who is the best real estate agent for Holiday Isle?
How do I find a top Destin real estate agent who knows Holiday Isle?
Can Momentum Realty connect me with an agent for Holiday Isle?
Where is Holiday Isle, and what county is it in?
Is Holiday Isle in a flood zone?
Is Holiday Isle a good place to live?
Should you buy in Holiday Isle?
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: September 26, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (7 streets, ZIP 32541)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1993 (216 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?
You just read the data. Now see what your home is worth.
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 ISLE fits the bigger picture — live prices, inventory, and Momentum Scores:
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