Crystal Lake
Homes 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
Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $937,000, a median 13 days on market, sellers accepting 96% of original asking (+1% versus the prior year). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $9,140 ($8,760 with the full homestead exemption).
| Location | Miramar Beach, Walton County, FL · ZIP 32541, 32550 |
|---|---|
| Homes in the community | 123 (FL DOR 2025 assessment roll) |
| Years built | 1991–2024 (median 2002) |
| Typical living area | 2,422 sq ft (median) |
| Sale prices, last 12 months | $937,000 median across 4 closed sales · +1.3% vs the prior 12 months |
| Days on market (closed sales) | 13 median |
| Owner-occupied (homestead) share | 53% |
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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “CRYSTAL LAKE PHASE I key facts,” movewithmomentum.com/neighborhoods/crystal-lake-phase-i, data as of September 20, 2026.
Price in Crystal Lake Phase I is driven by condition and the wide build span more than any single feature. Homes here date from 1991 through 2024, with the median around 2002, so what you pay tracks closely to whether a place has been updated or is still original. The median sits at $997,500, and at a median living area near 2,422 square feet, this is a market where renovation quality separates one closing from the next.
The current posture is firm but not frantic. A median of roughly 19 days on market and a heat score of 67 point to steady demand, with year-over-year movement up 7.8%. Sellers with a well-kept, move-in-ready home have leverage; buyers should come prepared to act on the sharper listings, but there is still room to be selective on anything that needs work.
Crystal Lake right now
🟡 Still climbing. The trailing-12-month median ($937K) is up 1.3% from the prior 12 months ($925K). With about 5 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 (4 and 8 sales in the two windows).
What's unique here: the median sale price is about 2x the typical Walton County sale ($937K vs $400K, trailing 12 months, Emerald Coast MLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 26, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside CRYSTAL LAKE PHASE I right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Crystal Lake market snapshot (as of September 20, 2026): the median sale price is about $937K, and a median 14 days on market for closed sales. The trailing-12-month median is up 1% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (4 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.
County records show 17 qualified sales in CRYSTAL LAKE across 2024–2025 (6 in 2024, 11 in 2025), median $950,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Crystal Lake is a community of 123 homes in Miramar Beach, Walton County, built between 1991 and 2024 (median 2002), with a median living area of about 2,422 square feet. 53% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Crystal Lake Phase I is an established Miramar Beach community of 123 homes built across more than three decades, where the mix of original and updated properties creates a genuinely wide range in what you get for the money.
Who Crystal Lake is best for.
Best for
- Buyers targeting the high-six-figure to seven-figure range who want a move-in-ready home near the median
- Buyers willing to renovate an original-condition property in exchange for a lower entry point
- Owner-occupants who want an established, non-tract setting in Miramar Beach
Probably not for
- Buyers who require a brand-new build with warranty coverage
- Buyers who want pools, clubhouses, or other shared amenities on site
- Buyers on a tight budget who cannot flex toward the median price point
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 ($937K) IS the median in the snapshot above, and the move from 2025 ($925K) IS the +1.3% one-year change.
Windows contain 0 to 8 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.
13% of homes for sale in ZIP 32541 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 (2026-09-20).
Housing distress & ownership in CRYSTAL LAKE PHASE I, 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.
The Crystal Lake buying strategy.
If we were buying in Crystal Lake 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 Crystal Lake.
An established community with a long build span
With homes ranging from 1991 to 2024 and a median build year around 2002, Crystal Lake Phase I is a mature enclave rather than a new-construction tract. That maturity shows up in the housing stock: expect a spread from original-condition homes to fully reworked ones, which is why price here is best understood as condition-driven. The median living area of about 2,422 square feet points to substantial, non-starter homes.
A homestead share just above 52% suggests a roughly even split between owner-occupants and non-owner-occupied properties, which is typical for this stretch of Miramar Beach in Walton County. No community amenities were identified from current MLS listings, so buyers drawn here should be motivated by the homes and the location rather than shared facilities.
The location and the amenities are priced into every listing in Crystal Lake. 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 Crystal Lake 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 3 factors (6.3). Basis: Recent Direction +1.3% year-over-year; Owner Commitment 53% owner-occupied; Pricing Power 96.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Because pricing in Crystal Lake Phase I turns on condition and vintage rather than a simple per-foot number, the value is in reading each listing against its build year and update history. We help sellers position a renovated home against the median and help buyers judge whether a lower-priced listing reflects a fair discount for work needed or a genuine opportunity.
Crystal Lake 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 Crystal Lake 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 Crystal Lake sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Crystal Lake, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Crystal Lake home worth?
Get a no-obligation home value based on real comparable sales in Crystal Lake, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Crystal Lake?
How long do homes in Crystal Lake take to sell?
How many homes are in Crystal Lake?
What share of Crystal Lake is owner-occupied?
When were the homes in Crystal Lake built?
Who is the best real estate agent for Crystal Lake?
How do I find a top Miramar Beach real estate agent who knows Crystal Lake?
Can Momentum Realty connect me with an agent for Crystal Lake?
Where is Crystal Lake, and what county is it in?
Should you buy in Crystal Lake?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 32541/32550)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2006 (63 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 CRYSTAL LAKE PHASE I fits the bigger picture — live prices, inventory, and Momentum Scores:
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