Holiday Surf & Racquet Club
Condos for Sale in Destin, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
As of September 2026, Holiday Surf & Racquet Club in Destin, FL has 2 homes for sale. Over the 12 months ending 2026-09-12, 4 recorded sales closed at a median of $523,500, a median 20 days on market, sellers accepting 97% of original asking (+3% versus the prior year). Homes listed or recently sold were built 1975–1978; 7 of the 7 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 $6,750 ($6,240 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.
Holiday Surf & Racquet Club right now
🟡 Balanced market. 6.0 months of supply and 50% 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 12, 2026. Confidence: Medium (4 active and pending listings, 4 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($524K) is up 2.6% from the prior 12 months ($510K) and up 166% since 2012. With about 6 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 12. Confidence: Low (4 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 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 12, 2026): the median sale price is about $524K, a median 20 days on market for closed sales, and 6.0 months of supply, a balanced market. The trailing-12-month median is up 3% from the prior 12 months and up 166% since 2012, computed from record-level Emerald Coast MLS closed sales (4 closings in the current window).
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.
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Holiday Surf & Racquet ClubPhotos 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 12 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($524K) IS the median in the snapshot above, and the move from 2025 ($510K) IS the +2.6% one-year change.
Windows contain 1 to 14 sales each (4 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.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Okaloosa County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Okaloosa County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
HOLIDAY SURF & RACQUET CLUB Market Scorecard
HOLIDAY SURF & RACQUET CLUB is currently a buyer's market. About 6.0 months of supply, a median asking price of $539,500, and homes go under contract in about 26 days.
Typical home value in the 32541 ZIP is $627,422, about 35.3% 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 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.
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 · 16 daysTop listingActive · 36 daysPending · 266 daysPending · 473 daysActive and pending Holiday Surf & Racquet Club listings as of 2026-09-12, 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, 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 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.
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 (7.1). Basis: Long-Term Appreciation +166% since 2012; Recent Direction +2.6% year-over-year; Liquidity & Demand 6.0 months of supply; Pricing Power 97.1% 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.
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 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 homes for sale in Holiday Surf & Racquet Club on the map →
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?
Should you buy in Holiday Surf & Racquet Club?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Holiday Surf & Racquet Club with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 1995 (137 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 SURF & RACQUET CLUB fits the bigger picture — live prices, inventory, and Momentum Scores: