550 Tops'l Beach Boulevard #809, Miramar Beach, FL 32550
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 26, 2026, 550 Tops'l Beach Boulevard #809 in Tides At Tops'L, Miramar Beach is listed at $779,000. That is 17% below Tides At Tops'L's median closed sale of $935,000 over the last 12 months (8 recorded sales). It has been 80 days on market. Listing facts: built in 1998, waterfront. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1998 · 28 yrs
- 80 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1998BuiltPer public record
- Aug 4, 2026First trackedObserved at $779,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $4,159/mo 79%
- Taxes $682/mo 13%
- Insurance $357/mo 7%
- HOA $50/mo 1%
$5,248/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollMany first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Adjust for your exemptions, portability, and down payment
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Property Score
69/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 9.0 months of supply in the surrounding market and 80 days on market for this home, against a 138-day area median.Days on market:this home 80Area median: 138 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of September 20, 2026.
Recent TIDES AT TOPS'L sales closed near 89.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Emerald Coast MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 6 active listings in TIDES AT TOPS'L, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Beachfront Luxury with Unforgettable Gulf Views Wake up to sweeping Gulf views and breathtaking sunsets from this beautifully appointed 8th-floor, west-facing condominium at The Tides at Tops'l Beach & Racquet Resort. Offering two bedrooms and two full bathrooms, this exceptional beachfront residence combines elevated coastal living with the comfort and convenience of a premier resort setting. Inside, 9-foot ceilings and floor-to-ceiling sliding glass doors create an airy, light-filled atmosphere while framing spectacular views of the Gulf.
The open-concept living and dining areas flow effortlessly into a well-equipped kitchen, providing an inviting space for both relaxed mornings and entertaining guests. The expansive private balcony is the perfect place to unwind, offering panoramic shoreline views, refreshing Gulf breezes, and front-row seats to some of the Emerald Coast's most beautiful sunsets. Designed with privacy and comfort in mind, the split-bedroom floor plan features two generously sized bedrooms, each furnished with a king-sized bed and conveniently paired with a full bathroom.
A full-size washer and dryer add to the ease of everyday living. Whether envisioned as a luxurious vacation escape, coastal second home, or income-producing investment, this Gulf-front residence offers an exceptional opportunity to experience the beauty of the Emerald Coast from an elevated resort setting. Residents and guests of Tops'l Beach & Racquet Resort enjoy an outstanding collection of resort-style amenities, including 600 feet of private sugar-white beachfront, multiple swimming pools, a state-of-the-art fitness center, 12 world-class Rubico tennis courts with on-site tennis professionals, racquetball courts, steam and sauna rooms, a whirlpool spa, massage services, and fitness classes.
The gated community also features on-site dining, a beachfront bar, and 24-hour security, offering the ultimate coastal lifestyle in one of Miramar Beach's premier resort destinations.
All 37 photos
Description provided by Compass and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Similar homes for sale near TIDES AT TOPS'L
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Miramar Beach
- 24 Breakwater Bay #7E, Miramar Beach · $364,000 · 2 bd / 2.0 ba · listed September 24, 2026 (courtesy of Cole Blair Properties LLC)
- 166 N Driftwood Bay #Unit 36C, Miramar Beach · $399,000 · 2 bd / 2.0 ba · listed September 24, 2026 (courtesy of RE/MAX Coastal Properties)
- 60 Sandprints Drive #C1, Miramar Beach · $334,000 · 1 bd / 1.0 ba · listed September 24, 2026 (courtesy of EXP Realty LLC)
- 243 Tupelo Courtyard ## 243, Miramar Beach · $749,000 · 3 bd / 2.5 ba · listed September 24, 2026 (courtesy of Emerald Coast Realty Pros Inc)
- 285 Payne Street #Unit 4B, Miramar Beach · $359,000 · 2 bd / 2.0 ba · listed September 23, 2026 (courtesy of The Premier Property Group)
- 3219 Bay Estates Circle, Miramar Beach · $3,999,000 · 4 bd / 3.0 ba · listed September 23, 2026 (courtesy of Berkshire Hathaway Home Services PenFed Realty)
Recently off market in TIDES AT TOPS'L
- 550 Tops L Beach Boulevard ## 909 · last listed $849,000 · 2026-09-14
- 550 Tops'L Beach Boulevard ## 1405 · last listed $1,199,500 · 2026-09-13
- 550 Tops L Beach Boulevard ## 711 · last listed $699,800 · 2026-09-12
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Compass · MLS # 1007082
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Recent sales activity in TIDES AT TOPS'L
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the TIDES AT TOPS'L neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on TIDES AT TOPS'L
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Walton County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 550 Tops'l Beach Boulevard #809, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1998 (28 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Walton County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $8,180/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 550 Tops'l Beach Boulevard #809 and when was it built?
Per the listing record, 550 Tops'l Beach Boulevard #809 was built in 1998 and has 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 550 Tops'l Beach Boulevard #809 in?
550 Tops'l Beach Boulevard #809 is in Tides At Tops'L in Miramar Beach, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Tides At Tops'L from the same MLS data.
Why might property taxes on 550 Tops'l Beach Boulevard #809 differ from the current owner's?
The estimate on this page (about $8,180 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 550 Tops'l Beach Boulevard #809 in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Emerald Coast Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.