Captiva at Tops'l
Homes for Sale in Miramar Beach, FL
All 639 homes for sale in Miramar Beach, FL · median $659,000 · 648 homes for sale in 32550 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Captiva at Tops'l in Miramar Beach, FL has 1 home for sale. As of November 2026, the MLS records 9 closed sales in Captiva at Tops'l in Miramar Beach, FL since 2004, the most recent in May 2023. Across Miramar Beach as a whole, 719 homes closed in the last 12 months at a median of $705,000, 97 median days on market, with 645 homes for sale today. At that median and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $6,880 ($6,490 with the full homestead exemption).
Captiva at TOPS'L is a very small enclave — just 6 homes, all built in 2007. With that little inventory and a single build year, price here is driven far more by condition, interior updates, and the specifics of a given unit than by any broad market trend. There is no range to quote, only the median, and the real spread will come down to how a particular home has been maintained since 2007.
With one active listing against six total homes, this is a thin, opportunistic market. A seller who lists into that scarcity has leverage precisely because there is so little to compare against; a buyer should expect to move deliberately, since a comparable substitute may not surface for a while. Homestead share sits around a third, so a meaningful portion of these homes read as second homes or rentals rather than primary residences.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Captiva at TOPS'L is a single-vintage pocket within Miramar Beach in Walton County — six homes, all from 2007, with living space centered around 2,660 square feet. It is the kind of community where the story is the individual home, not the subdivision.
Emerald Coast MLS sales records identify 7 homes in CAPTIVA AT TOPS'L that have changed hands since 2014, built between 1997 and 1999 (median 1998), with a median living area of about 2,506 sq ft and a typical 3-bedroom, 2.5-bath layout; 71% are townhomes. 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.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Captiva at Tops'l is best for.
Best for
- Buyers seeking a substantial single-vintage home around 2,660 square feet and comfortable underwriting 2007-era systems
- Second-home or investment buyers comfortable in a market where roughly a third of homes are non-homesteaded
- Patient buyers willing to wait for the right unit given how rarely inventory turns over
Probably not for
- Buyers who want an amenity-rich community, since none surface from current listings
- Buyers who need multiple options to compare on a fixed timeline
- Buyers wanting new construction rather than a home built in 2007
The market around Captiva at Tops'l
Captiva at Tops'l is too small for its own price trend, so here is the market around it.
In ZIP 32550, 802 homes are on the market and 9% are under contract — a slower corner of Miramar Beach.
Across Walton County, 3,174 homes are active and 698 pending (18% under contract).
In ZIP 32550 (Miramar Beach), 99 homes closed in the last 12 months at a median of $728K, with a median 97 days on market. Right now 110 active and 24 pending listings put supply at about 13.3 months — a soft market. See the live ZIP 32550 housing market and the Walton County market.
ZIP and county figures describe the wider market, not Captiva at Tops'l specifically. Momentum Research analysis of MLS records.
The Captiva at Tops'l buying strategy.
If we were buying in Captiva at Tops'l 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 Captiva at Tops'l.
A six-home pocket, one vintage
Everything here dates to 2007, which simplifies one part of the diligence — you are underwriting a consistent construction era rather than a mix of decades — and complicates another, since roofs, systems, and finishes from that year are all approaching the same maintenance milestones at once. Median living area near 2,660 square feet points to substantial homes rather than compact coastal cottages, so budget for the upkeep that footprint implies.
No community amenities surface from current MLS listings, so do not price this as an amenitized resort product. With roughly a third of homes carrying a homestead exemption, expect a blend of owner-occupants and non-primary use, which is typical for this part of Miramar Beach and worth factoring into how you read the neighbors' turnover and rental activity.
The location and the amenities are priced into every listing in Captiva at Tops'l. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a six-home community with a single listing at a time, comps are scarce and the data is thin — which is exactly when a broker who knows Miramar Beach block by block earns their keep. We will read the one available home against the specifics of its 2007 construction and condition, tell you where the median actually sits versus what a given unit is worth, and be honest about how long you may wait for a second option to appear.
Captiva at Tops'l in 15 seconds.
Tools for a Captiva at Tops'l 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 Captiva at Tops'l sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Captiva at Tops'l, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: July 25, 2026) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2004 (9 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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