Sierra Dunes 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, Sierra Dunes at Tops'l in Miramar Beach, FL has 1 home for sale. As of October 2026, the MLS records 7 closed sales in Sierra Dunes at Tops'l in Miramar Beach, FL since 2003, the most recent in September 2024. 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).
| Location | Miramar Beach, Walton County, FL · ZIP 32550 |
|---|---|
| Homes in the community | 16 (FL DOR 2025 assessment roll) |
| Years built | 1996–1998 (median 1997.0) |
| Typical living area | 2,212 sq ft (median) |
| Amenities listed by sellers | Deed Access, Exercise Room, Gated, Handball, Pets Allowed, Playground |
| For sale right now | 1 active, 0 pending · median asking $920,000 |
| Owner-occupied (homestead) share | 12% |
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, “SIERRA DUNES AT TOPS'L key facts,” movewithmomentum.com/neighborhoods/sierra-dunes-at-tops-l, data as of September 20, 2026.

Sierra Dunes at Tops'l is a small pocket within the larger Tops'l area of Miramar Beach, and right now the market here is thin: one active listing. With inventory this limited, there is no meaningful spread to read from — price is going to be driven by the condition, exact location, and specifics of whatever single unit is on the market, not by any broad neighborhood trend line.
For a buyer, that means patience and readiness matter more than negotiation leverage; when only one option exists, you either want it or you wait for the next one. For a seller, low competing supply is a genuine advantage, but it cuts both ways — with almost nothing else trading, pricing has to lean on comparable sales and honest condition assessment rather than a stack of live listings.
The 60-Second Overview
Sierra Dunes sits inside the Tops'l area of Miramar Beach in Walton County, a coastal setting where the appeal is location first. With current MLS data showing no community amenities identified, buyers should evaluate this as a place-and-property decision rather than an amenity-package one.
Emerald Coast MLS sales records identify 6 homes in SIERRA DUNES AT TOPS'L that have changed hands since 2016, built between 1996 and 1997 (median 1997), with a median living area of about 1,837 sq ft and a typical 3-bedroom, 3-bath layout; 100% are single-family homes. 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 Sierra Dunes at Tops'l is best for.
Best for
- Coastal buyers committed to the Tops'l area of Miramar Beach who can act decisively when a unit lists
- Second-home or investment buyers focused on location value over on-site amenities
- Sellers who want to list into a low-competition window and price against coastal comps
Probably not for
- Buyers who need several comparable listings to shop side by side before deciding
- Anyone whose budget or timeline depends on a predictable, high-turnover market
- Buyers wanting a defined on-site amenity package, which current listings don't identify
The market around Sierra Dunes at Tops'l
Sierra Dunes 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 Sierra Dunes at Tops'l specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in SIERRA DUNES 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 Sierra Dunes at Tops'l
Live MLS inventory for Sierra Dunes 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 Sierra Dunes at Tops'l listings as of 2026-10-01, 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 Sierra Dunes At Tops L Right Now (1)
All 1 active and pending Sierra Dunes At Tops L listings with a detail page, newest first, refreshed twice a day from the MLS.
- 75 Sierra Dunes Drive · $920,000 · 3 bd / 3 ba · listed Jul 2, 2026 · listed by Redfin Corporation
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 Sierra Dunes 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 Sierra Dunes at Tops'l address.
Shop the zone: Homes zoned for South Walton High School
The Sierra Dunes at Tops'l buying strategy.
If we were buying in Sierra Dunes 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 Sierra Dunes at Tops'l.
A one-listing market
The defining fact here is scale. A single active listing tells you this is a low-turnover corner of Miramar Beach, and it means the usual data tools — days-on-market averages, price bands, absorption rates — simply don't have enough sample to be reliable. Anyone shopping this community is really shopping one property at a time.
Because current listings surface no identified community amenities, the value case rests on the Tops'l and Miramar Beach location and on the individual unit itself. That puts the burden on due diligence: understand what the specific property offers, what the association covers, and how the price compares to nearby coastal sales rather than to a neighborhood average that doesn't exist at this volume.
The location and the amenities are priced into every listing in Sierra Dunes at Tops'l. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin, generic search tools fall short — one listing can't be averaged into a trend. We track Tops'l and the wider Miramar Beach coast closely, so we can tell you how a single Sierra Dunes property actually stacks up against comparable coastal sales, what to verify before you write an offer, and when the smarter move is to wait for the next unit to surface.
Sierra Dunes 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 Sierra Dunes 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 Sierra Dunes 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 Sierra Dunes 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 Sierra Dunes at Tops'l home worth?
Get a no-obligation home value based on real comparable sales in Sierra Dunes 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 →
11% of homes for sale in ZIP 32550 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 (2026-09-30).
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.
Frequently Asked Questions
How many homes are in Sierra Dunes at Tops'l?
What share of Sierra Dunes at Tops'l is owner-occupied?
When were the homes in Sierra Dunes at Tops'l built?
Who is the best real estate agent for Sierra Dunes at Tops'l?
How do I find a top Miramar Beach real estate agent who knows Sierra Dunes at Tops'l?
Can Momentum Realty connect me with an agent for Sierra Dunes at Tops'l?
Where is Sierra Dunes at Tops'l, and what county is it in?
Should you buy in Sierra Dunes 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: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32550)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2003 (7 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 SIERRA DUNES AT TOPS'L fits the bigger picture — live prices, inventory, and Momentum Scores:
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