Summit at Tops'l (the)
Condos for Sale in Miramar Beach, FL
All 634 homes for sale in Miramar Beach, FL · median $659,000 · 403 condos for sale in Miramar Beach · 647 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 November 2026, Summit at Tops'l (the) in Miramar Beach, FL has 12 homes for sale, asking from $349,000 to $825,000 (median $584,000). Over the 12 months ending 2026-11-09, 7 recorded sales closed at a median of $540,000, a median 97 days on market, sellers accepting 83% of original asking. Homes listed or recently sold were built 1997–1997; 22 of 22 report an HOA (median $1,075/mo); none of the 22 geocoded homes sit in a FEMA special flood hazard zone (median elevation 29 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $5,270 ($4,880 with the full homestead exemption).
Last 30 days in Summit at Tops'l (the): 1 new listing (median asking $589,000), 1 closed sale (median $375,000). As of November 11, 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.
Homes For Sale Right Now in Summit at Tops'l (the)
Live MLS inventory for Summit at Tops'l (the). 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 · 146 daysTop listing
Active · 180 days
Active · 255 days
Active · 39 days
Active · 159 daysActive · 26 days
Active · 31 days
Active · 285 days
Active · 781 days
Active · 136 days
Active · 356 days
Active · 97 daysActive and pending Summit at Tops'l (the) listings as of 2026-11-10, 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.
Summit at Tops'l (the) right now
🟢 Buyer-leaning market. 14.4 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Emerald Coast MLS records, as of November 9, 2026. Confidence: High (12 active and pending listings, 7 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 11, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Summit at Tops'l (the) market snapshot (as of November 9, 2026): the median sale price is about $540K, a median 97 days on market for closed sales, and 14.4 months of supply, a buyer-leaning market.
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.
Emerald Coast MLS sales records identify 63 homes in SUMMIT AT TOPS'L (THE) that have changed hands since 2002, built between 1995 and 1997 (median 1997), with a median living area of about 1,141 sq ft and a typical 2-bedroom, 2-bath layout; 100% are condominiums. 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.
Flood zones in Summit at Tops'l (the): of 12 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Miramar Beach.
The setting & the homes.
Aerial and on-site photos of Summit at Tops'l (the). Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Summit at Tops'l (the)Summit at Tops'l (the)Summit at Tops'l (the)Summit at Tops'l (the)Summit at Tops'l (the)Summit at Tops'l (the)Summit at Tops'l (the)Summit at Tops'l (the)Photos from Emerald Coast MLS listings in Summit at Tops'l (the); content deemed reliable but not guaranteed.
Summit at Tops'l (the) on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap contributors.
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 Summit at Tops'l (the) 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 Summit at Tops'l (the) address.
Shop the zone: Homes zoned for South Walton High School
The Summit at Tops'l (the) buying strategy.
If we were buying in Summit at Tops'l (the) 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Summit at Tops'l (the).
A closer look at the Summit at Tops'l (the) market
Homes in Summit at Tops'l (the) trade around a median of $540K, where condition and lot do more to set the final number than the asking price does.
Inventory runs at 14.4 months of supply, a buyer-leaning market. Homes that do trade take a median 97 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Summit at Tops'l (the). The deal is won or lost on condition, the comps, and the renovation math.
Tools for a Summit at Tops'l (the) 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 Summit at Tops'l (the) sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Summit at Tops'l (the), the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Summit at Tops'l (the) home worth?
Get a no-obligation home value based on real comparable sales in Summit at Tops'l (the), 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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Recently off market in SUMMIT AT TOPS'L (THE)
Homes in SUMMIT AT TOPS'L (THE) that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 8 on record.
- 515 Tops L Beach Boulevard ## 108 · off market
- 515 Tops L Beach Boulevard #807 · off market
- 515 Tops'L Beach Boulevard #1006 · off market
- 515 Tops'l Beach Boulevard ## 401 · off market
- 515 Tops'l Beach Boulevard #1005 · off market
- 515 Tops'l Beach Boulevard #1103 · off market
- 515 Tops'l Beach Boulevard #Unit 810 · off market
- 515 Topsl Beach Boulevard #902 · off market
| Location | Miramar Beach, Walton County, FL · ZIP 32550 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | Beach, Elevators, Gated, Pool, TV Cable, Short Term Rental - Allowed |
| Sale prices, last 12 months | $540,000 median across 7 closed sales |
| Days on market (closed sales) | 97 median |
| For sale right now | 12 active, 0 pending · median asking $584,000 · 14.4 months of supply |
Data as of November 9, 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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Summit at Tops'l (the) key facts,” movewithmomentum.com/neighborhoods/summit-at-tops-l-the, data as of November 9, 2026.
Housing distress & ownership in SUMMIT AT TOPS'L (THE), 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.
Just listed in Summit at Tops'l (the)
The newest homes for sale in Summit at Tops'l (the) right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 515 Tops L Beach Boulevard ## 902 $589,000 · 2 bd · 2 ba · listed Oct 14, 2026 Courtesy of Beach Blue Real Estate LLC
- 515 Tops'L Beach Boulevard #501 $579,000 · 2 bd · 2 ba · listed Oct 9, 2026 Courtesy of Watersound Real Estate
- 515 Tops L Beach Boulevard ## 309 $659,000 · 3 bd · 3 ba · listed Oct 1, 2026 Courtesy of Compass
- 515 Tops'L Beach Boulevard #212 $349,000 · 2 bd · 2 ba · listed Aug 4, 2026 Courtesy of RealJoy Realty LLC
- 515 Tops'L Beach Boulevard ## 103 $499,000 · 2 bd · 2 ba · listed Jun 26, 2026 Courtesy of Mainsail Realty Company
- 515 Tops'L Beach Boulevard Boulevard ## 906 $825,000 · 3 bd · 3 ba · listed Jun 16, 2026 Courtesy of Gilbert Realty
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Summit At Tops L The Right Now (12)
All 12 active and pending Summit At Tops L The listings with a detail page, newest first, refreshed twice a day from the MLS.
- 515 Tops L Beach Boulevard ## 902 · $589,000 · 2 bd / 2 ba · listed Oct 14, 2026 · listed by Beach Blue Real Estate LLC
- 515 Tops'L Beach Boulevard #501 · $579,000 · 2 bd / 2 ba · listed Oct 9, 2026 · listed by Watersound Real Estate
- 515 Tops L Beach Boulevard ## 309 · $659,000 · 3 bd / 3 ba · listed Oct 1, 2026 · listed by Compass
- 515 Tops'L Beach Boulevard #212 · $349,000 · 2 bd / 2 ba · listed Aug 12, 2026 · listed by RealJoy Realty LLC
- 515 Tops'l Beach Boulevard ## 103 · $499,000 · 2 bd / 2 ba · listed Aug 12, 2026 · listed by Mainsail Realty Company
- 515 Tops'l Beach Boulevard Boulevard ## 906 · $825,000 · 3 bd / 3 ba · listed Aug 12, 2026 · listed by Gilbert Realty
- 515 Tops'l Beach Boulevard #109 · $650,000 · 3 bd / 3 ba · listed Aug 12, 2026 · listed by Keller Williams Realty Destin
- 515 Tops L Beach Boulevard #705 · $699,000 · 3 bd / 3 ba · listed Aug 12, 2026 · listed by Keller Williams Realty Destin
- 515 Tops L Beach Boulevard ## 605 · $699,000 · 3 bd / 3 ba · listed Aug 12, 2026 · listed by Compass
- 515 Tops'l Beach Summit #913 Boulevard #913 · $575,000 · 2 bd / 2 ba · listed Aug 12, 2026 · listed by The Premier Property Group
- 515 Tops'L Beach Boulevard #314 · $399,000 · 2 bd / 2 ba · listed Aug 12, 2026 · listed by Century 21 Wimco Realty Inc
- 515 Tops'l Beach Boulevard ## 811 · $575,000 · 2 bd / 2 ba · listed Aug 12, 2026 · listed by Keller Williams Realty SRB
Recently sold in Summit At Tops L The
- 515 Tops'L Beach Boulevard ## 401 · sold $375,000
- 515 Tops'L Beach Boulevard #1103 · sold $545,000
- 515 Tops L Beach Boulevard #807 · sold $738,000
- 515 Tops'L Beach Boulevard #Unit 810 · sold $540,000
- 515 Tops'L Beach Boulevard #1006 · sold $760,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Miramar Beach home searches
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- Miramar Beach home values: what is my house worth?
Miramar Beach guides & data
- Market data
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- Flood zones
- Property taxes (Walton County)
- Homestead exemption (Walton County)
- Home insurance cost
- New construction
- New construction (Walton County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Tops'L Beach Boulevard (1 homes on record)
What it really costs to own in Summit at Tops'l (the)
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $3,886/yr across 8 listings here (MLS tax records, 2026-11-11). |
|---|---|
| HOA dues | Median $1,075/month across 10 MLS listings (most billed monthly; 2026-11-11). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Walton County is $1,942/yr (433 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 12 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 1997 across 10 listings. An original roof here would be about 29 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $1,561/month (tax $324, HOA $1,075, insurance $162). An estimate from the sources above, not a quote.
Email me new listings in Summit at Tops'l (the)
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Summit at Tops'l (the) Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Summit at Tops'l (the) Condos for Sale will answer, and the answer is published on this page for the next buyer.
0% of homes for sale in Summit at Tops'l (the) 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 (2026-11-11).
SUMMIT AT TOPS'L (THE) Market Scorecard
SUMMIT AT TOPS'L (THE) is currently a strong buyer's market. About 14.4 months of supply, a median asking price of $584,000, and homes go under contract in about 154 days.
Typical home value in the 32550 ZIP is $655,269, about 35.9% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
What is the median home price in Summit at Tops'l (the)?
How long do homes in Summit at Tops'l (the) take to sell?
Is Summit at Tops'l (the) a buyer's or seller's market right now?
Who is the best real estate agent for Summit at Tops'l (the)?
How do I find a top Miramar Beach real estate agent who knows Summit at Tops'l (the)?
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Where is Summit at Tops'l (the), and what county is it in?
Is Summit at Tops'l (the) in a flood zone?
Is Summit at Tops'l (the) a good place to live?
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: November 10, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending November 9, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (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.
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