Tides at Tops'l
Condos for Sale in Miramar Beach, FL
All 671 homes for sale in Miramar Beach, FL · median $674,900 · 412 condos for sale in Miramar Beach · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of November 2026, Tides at Tops'l in Miramar Beach, FL has 6 homes for sale and 1 pending, asking from $639,000 to $2,795,000 (median $792,500). Over the 12 months ending 2026-09-20, 8 recorded sales closed at a median of $935,000, a median 137 days on market, sellers accepting 90% of original asking. Homes listed or recently sold were built 1998–1998; 13 of 13 report an HOA (median $1,254/mo); none of the 13 geocoded homes sit in a FEMA special flood hazard zone (median elevation 17 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $9,120 ($8,740 with the full homestead exemption).
Homes For Sale Right Now in Tides at Tops'l
Live MLS inventory for Tides 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 · 168 daysTop listingActive · 26 days
Active · 83 days
Active · 130 days
Active · 95 days
Active · 177 days
Pending · 96 daysActive and pending Tides at Tops'l listings as of 2026-11-06, 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.
Tides at Tops'l sits in Miramar Beach with a median around $900,000, and in a market like this the price is driven far more by unit, condition, and position than by any published range. With only 7 active listings and 7 closings in the window, this is a thin, condition-driven market where a single well-appointed unit can reset expectations and a dated one can sit.
The posture right now favors patience on both sides. A median of 152 days on market tells you buyers are taking their time and sellers who price to a fantasy will wait. If you're buying, there's room to be selective and to negotiate on the units that have lingered. If you're selling, condition and honest pricing are the whole game — the days-on-market number is not forgiving of wishful list prices.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Tides at Tops'l right now
🟢 Buyer-leaning market. 9.0 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 September 20, 2026. Confidence: Medium (6 active and pending listings, 8 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 7, 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
Tides at Tops'l market snapshot (as of September 20, 2026): the median sale price is about $935K, a median 138 days on market for closed sales, and 9.0 months of supply, a buyer-leaning market.
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 7.4 months — a soft market. See the live ZIP 32541 housing market and the Okaloosa County market.
Emerald Coast MLS sales records identify 62 homes in TIDES AT TOPS'L that have changed hands since 2003, built between 1997 and 1999 (median 1998), with a median living area of about 1,220 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.
This is a small, coastal Miramar Beach community where inventory stays tight and homes trade slowly — the kind of place you buy for the location and the unit itself, not for a deep menu of on-site amenities.
The setting & the homes.
Aerial and on-site photos of Tides at Tops'l. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Tides at Tops'lTides at Tops'lTides at Tops'lTides at Tops'lTides at Tops'lTides at Tops'lTides at Tops'l
Tides at Tops'lPhotos from Emerald Coast MLS listings in Tides at Tops'l; content deemed reliable but not guaranteed.
Who Tides at Tops'l is best for.
Best for
- Buyers with a mid-to-high six-figure budget targeting a coastal Miramar Beach unit who can wait for the right one
- Cash or well-qualified buyers comfortable negotiating on listings that have sat past the median timeline
- Long-hold owners buying for the location itself rather than for amenities or a fast flip
Probably not for
- Buyers who need to close quickly or expect a liquid, fast-moving inventory
- Anyone prioritizing on-site community amenities, since none surfaced in current listings
- Buyers expecting a tight, predictable comp stack to anchor their offer
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 ($935K) IS the median in the snapshot above.
Windows contain 0 to 8 sales each (8 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.
10% 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 (2026-11-07).
TIDES AT TOPS'L Market Scorecard
TIDES AT TOPS'L is currently a strong buyer's market. About 12.0 months of supply, a median asking price of $792,500, and homes go under contract in about 118 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.
Tides at Tops'l 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 Tides 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 Tides at Tops'l address.
Shop the zone: Homes zoned for South Walton High School
The Tides at Tops'l buying strategy.
If we were buying in Tides 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.
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 Tides at Tops'l.
A thin, slow-moving coastal market
The headline number here is the pace: a median of 152 days on market. That is a slow cadence, and it means the two sides of a deal are rarely in a hurry at the same time. With just 7 units active and 7 closings in the measured window, there isn't enough volume to smooth out the noise — pricing tends to be set unit-by-unit rather than by a reliable comp stack. Treat every listing on its own merits.
No community amenities surfaced in the current MLS listings, so underwrite this as a location-and-unit play in Miramar Beach, Walton County, not an amenity-driven one. Values here have climbed 127% since 2012, which speaks to the durability of the coastal location over time — but that is history, not a promise, and it does nothing to shorten today's marketing timelines.
The location and the amenities are priced into every listing in Tides at Tops'l. 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 Tides at Tops'l 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 (4.2). Basis: Long-Term Appreciation +136% since 2012; Liquidity & Demand 9.0 months of supply; Pricing Power 89.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this thin, the comps do half the lying and the listing photos do the other half. We read each unit against its actual condition and position rather than a broad median, and with a 152-day norm we set realistic timelines up front — so buyers know where there's negotiating room and sellers avoid the price cut that follows a stale listing.
Tides at Tops'l in 15 seconds.
Tools for a Tides 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 Tides 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 Tides 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 Tides at Tops'l home worth?
Get a no-obligation home value based on real comparable sales in Tides 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 →
Recently off market in TIDES AT TOPS'L
Homes in TIDES AT TOPS'L 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. 3 on record.
- 550 Tops L Beach Boulevard ## 711 · off market
- 550 Tops L Beach Boulevard ## 909 · off market
- 550 Tops'L Beach Boulevard ## 1405 · off market
| Location | Miramar Beach, Walton County, FL · ZIP 32541, 32550 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | Beach, Elevators, Gated, Pool, Waterfront, Pickleball |
| Sale prices, last 12 months | $935,000 median across 8 closed sales |
| Days on market (closed sales) | 137 median |
| For sale right now | 6 active, 0 pending · median asking $764,500 · 9.0 months of supply |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Tides at Tops'l key facts,” movewithmomentum.com/neighborhoods/tides-at-tops-l, data as of September 20, 2026.
Housing distress & ownership in TIDES 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.
Just listed in Tides at Tops'l
The newest homes for sale in Tides at Tops'l right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 550 Tops'L Beach Boulevard ## 501 $900,000 · 2 bd · 2 ba · listed Oct 6, 2026 Courtesy of Compass
- 550 Tops L Beach Boulevard ## 1309 $835,000 · 2 bd · 2 ba · listed Aug 10, 2026 Courtesy of Compass
- 550 Tops'L Beach Boulevard #311 $650,000 · 2 bd · 2 ba · listed Jul 29, 2026 Courtesy of The Agency Northwest Florida Beaches
- 550 Tops L Beach Boulevard ## 409 $750,000 · 2 bd · 2 ba · listed Jun 24, 2026 Courtesy of Compass
- 550 Tops'L Beach Boulevard ## 1506 $2,795,000 · 3 bd · 3 ba · listed May 17, 2026 Courtesy of Community Realty Associates
- 550 Tops'L Beach Boulevard #107 $639,000 · 2 bd · 2 ba · listed May 8, 2026 Courtesy of EXP Realty LLC
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Tides At Tops L Right Now (7)
All 7 active and pending Tides At Tops L listings with a detail page, newest first, refreshed twice a day from the MLS.
- 550 Tops'l Beach Boulevard ## 501 · $980,000 · 2 bd / 2 ba · listed Oct 6, 2026 · listed by Compass
- 550 Tops L Beach Boulevard ## 1309 · $835,000 · 2 bd / 2 ba · listed Aug 10, 2026 · listed by Compass
- 550 Tops'L Beach Boulevard #311 · $650,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by The Agency Northwest Florida Beaches
- 550 Tops L Beach Boulevard ## 409 · $750,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by Compass
- 550 Tops'L Beach Boulevard ## 1506 · $2,795,000 · 3 bd / 3 ba · listed Aug 8, 2026 · listed by Community Realty Associates
- 550 Tops'l Beach Boulevard #107 · $639,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by EXP Realty LLC
- 550 Tops'l Beach Boulevard #809 · $779,000 · 2 bd / 2 ba · pending · listed Aug 8, 2026 · listed by Compass
More Miramar Beach home searches
- All homes for sale in Miramar Beach, FL
- Homes for sale in Walton County, FL
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- Miramar Beach home values: what is my house worth?
Miramar Beach guides & data
- Market data
- Best neighborhoods (ranked by data)
- 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
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What it really costs to own in Tides at Tops'l
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 $6,186/yr across 6 listings here (MLS tax records, 2026-11-07). |
|---|---|
| HOA dues | Median $1,149/month across 6 MLS listings (most billed monthly; 2026-11-07). 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. |
| Roof and age | Median build year 1998 across 6 listings. An original roof here would be about 28 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 $1,826/month (tax $516, HOA $1,149, insurance $162). An estimate from the sources above, not a quote.
Email me new listings in Tides at Tops'l
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 Tides at Tops'l Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Tides at Tops'l Condos for Sale will answer, and the answer is published on this page for the next buyer.
Recent Developments in Tides At Tops L
Development, infrastructure, retail, and school activity affecting Tides At Tops L, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Retail & Dining
TJ Maxx to open 33,865-square-foot Destin store Nov. 1 at Paradise Key
The off-price retailer opens at 4437 Commons Drive East with a grand opening from 8 a.m. to 8 p.m. on Nov. 1. Regular hours run 9:30 a.m. to 9:30 p.m. daily, and the store sells apparel, accessories, jewelry, and home and beauty goods.
What it may mean for the marketA new national off-price anchor adds everyday shopping close to Destin's commercial corridor and may shorten trips for retail needs. The site is about 3 miles west of Tides At Tops L.
Source: Get The Coast - October 2026Development
DeFuniak Springs tactical training firm plans campus expansion after multimillion-dollar contracts
Stronghold Test & Training Center, on a 50-acre campus at 150 Warfighter Way, plans a new complex with secure vaults, classrooms, offices and a 3D-printing prototyping bay. The company cites a $21 million Navy contract through 2030 and other federal awards; no cost, timeline or job count was given.
What it may mean for the marketDefense-linked contracting growth near Eglin and Hurlburt supports employer activity and specialized jobs in the DeFuniak Springs area. The project is about 27 miles northeast of Tides At Tops L, elsewhere in Walton County.
Source: Get The Coast - August 2026Infrastructure
Walton commissioners approve up to $4.69 million Westbay Parkway design contract
At its August 17, 2026 meeting, the Walton County Board of County Commissioners approved, on the consent agenda, a contract with Mott MacDonald for Westbay Parkway design not to exceed $4,693,502.38. The same agenda included a $184,117 Dewberry task order for the Santa Clara Regional Beach Access Bramble Grove addition.
What it may mean for the marketDesign work on Westbay Parkway is an early step toward added road capacity in western Walton County. The project is about 15 miles northeast of Tides At Tops L, elsewhere in Walton County.
Source: Walton County Government - July 2026Infrastructure
Scenic Walton advances underground utilities and gateway landscape projects
Scenic Walton reported progress on countywide initiatives, including a $200,000 Freeport U.S. 331 gateway landscape project supported by a $100,000 FDOT Highway Beautification Grant, plus a 30A West gateway landscape project and early planning for countywide underground utilities. Funding for the utilities study advanced into Walton County's draft budget for fiscal year 2026 to 2027.
What it may mean for the marketAdvances roadway beautification and stormwater improvements along the Freeport U.S. 331 corridor and the 30A west gateway and lays groundwork for utility resilience upgrades across Walton County. The site is about 16 miles northeast of Tides At Tops L.
Source: Get The Coast - June 2026Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
What it may mean for the marketDirects state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 12 miles northwest of Tides At Tops L.
Source: Get The Coast
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Tides at Tops'l?
How long do homes in Tides at Tops'l take to sell?
Is Tides at Tops'l a buyer's or seller's market right now?
Have Tides at Tops'l home prices gone up?
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Where is Tides at Tops'l, and what county is it in?
Is Tides at Tops'l a good place to live?
Should you buy in Tides 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: November 6, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1998 (106 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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More on Tides at Tops'l Condos for Sale in Miramar Beach
- Home values · What homes in Tides at Tops'l Condos for Sale in Miramar Beach actually sell for
