Captiva at Tops'l
Homes for Sale in Miramar Beach, FL
All 680 homes for sale in Miramar Beach, FL · median $659,000 · 685 homes for sale in 32550 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, Captiva at Tops'l in Miramar Beach, FL has 1 home for sale. As of October 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, 375 homes closed in the last 12 months at a median of $777,500, 108 median days on market, with 314 homes for sale today. At that median and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $7,590 ($7,200 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.
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), 530 homes closed in the last 12 months at a median of $729K, up 3.7% year over year, with a median 99 days on market. Right now 355 active and 39 pending listings put supply at about 9.8 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.
Housing distress & ownership in CAPTIVA AT TOPS'L, 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.
Homes For Sale Right Now in Captiva at Tops'l
Live MLS inventory for Captiva at Tops'l. 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 and pending Captiva at Tops'l listings as of 2026-07-25, 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 Captiva At Tops L Walton Right Now (1)
All 1 active and pending Captiva At Tops L Walton listings with a detail page, newest first, refreshed twice a day from the MLS.
- 39 Captiva Circle #39 · $1,200,000 · 3 bd / 3.5 ba · listed Jul 2, 2026 · listed by Realty ONE Group Emerald Coast
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 Captiva at Tops'l 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 Captiva at Tops'l address.
Shop the zone: Homes zoned for South Walton High School
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.
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 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.
What is your Captiva at Tops'l home worth?
Get a no-obligation home value based on real comparable sales in Captiva at Tops'l, 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 →
Should you buy in Captiva at Tops'l?
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: 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.
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 CAPTIVA AT TOPS'L fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Captiva at Tops'l
Where is Captiva at Tops'l?
Captiva at Tops'l is a community in Miramar Beach, Walton County, Florida, ZIP 32550.
Are there homes for sale in Captiva at Tops'l right now?
Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Captiva at Tops'l have an HOA or CDD?
No HOA is on record for Captiva at Tops'l in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near Captiva at Tops'l with Momentum Realty’s local guides.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Walton 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 · Walton 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.