Summit at Tops'l (the)
Condos for Sale in Miramar Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
As of September 2026, Summit at Tops'l (the) in Miramar Beach, FL has 14 homes for sale and 3 pending, asking from $379,000 to $885,430 (median $594,500). Over the 12 months ending 2026-07-25, 7 recorded sales closed at a median of $450,000, a median 63 days on market, sellers accepting 90% of original asking (-28% versus the prior year). Homes listed or recently sold were built 1997–1997; none of the 17 geocoded homes sit in a FEMA special flood hazard zone (median elevation 35 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $4,390 ($4,010 with the full homestead exemption).
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 · 108 daysTop listing
Active · 73 days
Active · 148 days
Active · 146 days
Active · 52 days
Active · 203 days
Active · 528 days
Active · 71 days
Active · 674 days
Active · 180 days
Active · 29 days
Active · 249 days
Active · 420 days
Active · 146 daysActive and pending Summit at Tops'L (The) 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.
Summit at Tops'L (The) right now
🔴 Off the recent peak. The trailing-12-month median ($450K) is down 28.0% from the prior 12 months ($625K) and up 92% since 2012. With about 6 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 July 25. Confidence: Low (7 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 25, 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 July 25, 2026): the median sale price is about $450K, and a median 63 days on market for closed sales. The trailing-12-month median is down 28% from the prior 12 months and up 92% since 2012, computed from record-level Emerald Coast MLS closed sales (7 closings in the current window).
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
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Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 25 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($450K) IS the median in the snapshot above, and the move from 2025 ($625K) IS the -28.0% one-year change.
Windows contain 0 to 9 sales each (7 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.
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.
SUMMIT AT TOPS'L (THE) Market Scorecard
SUMMIT AT TOPS'L (THE) is currently a thin data market. Limited supply, a median asking price of $594,500, and homes go under contract in about 147 days.
Typical home value in the 32550 ZIP is $653,669, about 36.1% 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.
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.
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.
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.
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 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 $450K, where condition and lot do more to set the final number than the asking price does.
The trailing-12-month median down 28% year over year. Homes that do trade take a median 63 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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Summit at Tops'L (The) 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 (3.4). Basis: Long-Term Appreciation +92% since 2012; Recent Direction -28.0% year-over-year; Pricing Power 90.4% sale-to-list. Refreshed with each data update.
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 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.
See homes for sale in Summit at Tops'L (The) on the map →
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?
Do cash buyers compete in Summit at Tops'L (The)?
Have Summit at Tops'L (The) home prices gone up?
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)?
Can Momentum Realty connect me with an agent for Summit at Tops'L (The)?
Nearby Communities
Explore more neighborhoods near Summit at Tops'L (The) with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: July 25, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending July 25, 2026 |
| Historical depth | Closed-sale records back to 2002 (92 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 your area comps.
Looking to buy here? Search homes for sale →
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See how SUMMIT AT TOPS'L (THE) fits the bigger picture — live prices, inventory, and Momentum Scores: