Summit at Tops'l (the)
Condos for Sale in Miramar Beach, FL
All 677 homes for sale in Miramar Beach, FL · median $652,500 · Walton 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, Summit at Tops'l (the) in Miramar Beach, FL has 11 homes for sale and 1 pending, asking from $349,000 to $869,000 (median $650,000). Over the 12 months ending 2026-09-20, 6 recorded sales closed at a median of $507,500, a median 94 days on market, sellers accepting 87% of original asking (-11% versus the prior year). Homes listed or recently sold were built 1997–1997; none of the 17 geocoded homes sit in a FEMA special flood hazard zone (median elevation 35 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $4,950 ($4,570 with the full homestead exemption).
| Location | Miramar Beach, Walton County, FL · ZIP 32541, 32550 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | Beach, Elevators, Gated, Pool, TV Cable, Short Term Rental - Allowed |
| Sale prices, last 12 months | $507,500 median across 6 closed sales · -10.9% vs the prior 12 months |
| Days on market (closed sales) | 94 median |
| For sale right now | 12 active, 3 pending · median asking $612,500 · 24.0 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, “SUMMIT AT TOPS'L (THE) key facts,” movewithmomentum.com/neighborhoods/summit-at-tops-l-the, data as of September 20, 2026.
Last 30 days in Summit at Tops'l (the): 1 under contract right now, 3 closed sales (median $545,000). 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 Summit at Tops'l (the)
Live MLS inventory for Summit at Tops'l (the). 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 · 171 daysTop listing
Active · 102 days
Active · 136 days
Active · 211 days
Active · 209 days
Active · 115 days
Active · 241 days
Active · 737 days
Active · 92 days
Active · 312 days
Active · 53 days
Pending · 480 daysActive and pending Summit at Tops'l (the) 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.
Summit at Tops'l (the) right now
🟢 Buyer-leaning market. 24.0 months of supply and 20% 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, 6 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($508K) is down 10.9% from the prior 12 months ($570K) and up 141% 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 20. Confidence: Low (6 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
Summit at Tops'l (the) market snapshot (as of September 20, 2026): the median sale price is about $508K, a median 95 days on market for closed sales, and 24.0 months of supply, a buyer-leaning market. The trailing-12-month median is down 11% from the prior 12 months and up 141% since 2012, computed from record-level Emerald Coast MLS closed sales (6 closings in the current window).
In ZIP 32541 (Miramar Beach), 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 SUMMIT AT TOPS'L (THE) that have changed hands since 2002, built between 1995 and 1997 (median 1997), with a median living area of about 1,141 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.
Flood zones in SUMMIT AT TOPS'L (THE): of 13 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary — verify any specific address at msc.fema.gov. See flood zones by neighborhood in Miramar Beach.
The setting & the homes.
Aerial and on-site photos of Summit at Tops'l (the). Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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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 ($508K) IS the median in the snapshot above, and the move from 2025 ($570K) IS the -10.9% one-year change.
Windows contain 0 to 10 sales each (6 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.
8% of homes for sale in Summit at Tops'l (the) 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).
SUMMIT AT TOPS'L (THE) Market Scorecard
SUMMIT AT TOPS'L (THE) is currently a strong buyer's market. About 14.7 months of supply, a median asking price of $650,000, and homes go under contract in about 171 days.
Typical home value in the 32550 ZIP is $652,423, about 36.7% 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 SUMMIT AT TOPS'L (THE), Miramar 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 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.
Summit at Tops'l (the) 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
- Walton County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Van R Butler · Elementary
- Emerald Coast · Middle
- South Walton · High
Zoned schools reflect the assignments reported on recent Summit at Tops'l (the) listings and can change; always confirm with Walton County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Summit at Tops'l (the) address.
Shop the zone: Homes zoned for South Walton High School
The Summit at Tops'l (the) buying strategy.
If we were buying in Summit at Tops'l (the) 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 Summit at Tops'l (the).
A closer look at the Summit at Tops'l (the) market
Homes in Summit at Tops'l (the) trade around a median of $508K, where condition and lot do more to set the final number than the asking price does.
Inventory runs at 24.0 months of supply, a buyer-leaning market and the trailing-12-month median down 11% year over year. Homes that do trade take a median 95 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Summit at Tops'l (the). 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 Summit at Tops'l (the) 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 (3.4). Basis: Long-Term Appreciation +141% since 2012; Recent Direction -10.9% year-over-year; Liquidity & Demand 24.0 months of supply; Pricing Power 87.5% sale-to-list. Refreshed with each data update.
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 Summit at Tops'l (the) 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 Summit at Tops'l (the) sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Summit at Tops'l (the), the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Summit at Tops'l (the) home worth?
Get a no-obligation home value based on real comparable sales in Summit at Tops'l (the), 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 Miramar Beach →
Recently off market in SUMMIT AT TOPS'L (THE)
Homes in SUMMIT AT TOPS'L (THE) 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. 7 on record.
- 515 Tops L Beach Boulevard ## 108 · off market
- 515 Tops L Beach Boulevard ## 501 · off market
- 515 Tops L Beach Boulevard #807 · off market
- 515 Tops'L Beach Boulevard #1006 · off market
- 515 Tops'l Beach Boulevard #1103 · off market
- 515 Tops'l Beach Boulevard #Unit 810 · off market
- 515 Topsl Beach Boulevard #902 · off market
Frequently Asked Questions
What is the median home price in Summit at Tops'l (the)?
How long do homes in Summit at Tops'l (the) take to sell?
Is Summit at Tops'l (the) a buyer's or seller's market right now?
Have Summit at Tops'l (the) home prices gone up?
Who is the best real estate agent for Summit at Tops'l (the)?
How do I find a top Miramar Beach real estate agent who knows Summit at Tops'l (the)?
Can Momentum Realty connect me with an agent for Summit at Tops'l (the)?
Where is Summit at Tops'l (the), and what county is it in?
Is Summit at Tops'l (the) in a flood zone?
Is Summit at Tops'l (the) a good place to live?
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 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2002 (93 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.
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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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