Tops'l Beach Manor
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, Tops'l Beach Manor in Miramar Beach, FL has 4 homes for sale and 2 pending, asking from $725,000 to $1,250,000 (median $949,500). Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $1,050,000, a median 181 days on market, sellers accepting 89% of original asking. Homes listed or recently sold were built 1986–1986; 10 of 10 report an HOA (median $1,206/mo); none of the 10 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $10,250 ($9,860 with the full homestead exemption).
Last 30 days in Tops'l Beach Manor: 1 new listing (median asking $849,000), 2 under contract right now, 1 closed sale (median $1,025,000). As of November 7, 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 Tops'l Beach Manor
Live MLS inventory for Tops'l Beach Manor. 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 · 167 daysTop listing
Active · 59 daysActive · 11 days
Active · 477 days
Pending · 2 days
Pending · 215 daysActive and pending Tops'l Beach Manor 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.
TOPS'L BEACH MANOR is a beach condo market in Miramar Beach, and price here is driven by the address and the unit itself — floor, view, condition, and stack — far more than by any single headline number. The median sits at $1,050,000, but treat that as a midpoint, not a menu: what a specific unit fetches depends on how close it is to the Gulf and how recently it has been updated.
The posture right now favors patience on both sides. Median days on market runs to 181 days — roughly six months — with 6 active listings against just 4 closings in the window. That is a slow, thin market where well-priced, move-in-ready units get attention and everything else sits. Buyers have room to negotiate and no reason to rush; sellers need sharp pricing and realistic timelines.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Tops'l Beach Manor right now
🟢 Buyer-leaning market. 12.0 months of supply and 20% 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 (5 active and pending listings, 4 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
Tops'l Beach Manor market snapshot (as of September 20, 2026): the median sale price is about $1.05M, a median 181 days on market for closed sales, and 12.0 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 39 homes in TOPS'L BEACH MANOR that have changed hands since 2002, built between 1983 and 1986 (median 1986), with a median living area of about 1,222 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 Gulf-oriented condo enclave where the beach location does the heavy lifting. With no community amenities identified in current MLS listings, buyers should confirm exactly what the building and association provide before assuming anything.
The setting & the homes.
Aerial and on-site photos of Tops'l Beach Manor. Swipe to explore the community.
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Tops'l Beach ManorTops'l Beach ManorTops'l Beach ManorTops'l Beach ManorTops'l Beach ManorTops'l Beach Manor
Tops'l Beach Manor
Tops'l Beach ManorPhotos from Emerald Coast MLS listings in Tops'l Beach Manor; content deemed reliable but not guaranteed.
Who Tops'l Beach Manor is best for.
Best for
- Buyers targeting a Gulf-oriented Miramar Beach condo with a budget in the seven-figure range and flexibility on unit specifics
- Long-hold buyers comfortable with a market that has leveled to low single-digit annual movement
- Patient shoppers who can wait out a slow-turning market to buy the right floor and view
Probably not for
- Buyers who need to resell quickly, given roughly six-month marketing times
- Buyers counting on the 218%-since-2012 pace to repeat over the next few years
- Buyers who require defined on-site amenities, since none are identified in current MLS listings
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 ($1.05M) IS the median in the snapshot above.
Windows contain 0 to 4 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.
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).
Tops'l Beach Manor Market Scorecard
Tops'l Beach Manor is currently a buyer-leaning market. About 12.0 months of supply, a median asking price of $900,000, and homes go under contract in about 167 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Emerald Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Tops'l Beach Manor 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 Tops'l Beach Manor 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 Tops'l Beach Manor address.
Shop the zone: Homes zoned for South Walton High School
The Tops'l Beach Manor buying strategy.
If we were buying in Tops'l Beach Manor 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 Tops'l Beach Manor.
A thin, slow-turning beach condo market
The long arc here is real: values are up 218% since 2012, a reflection of how Gulf-front and near-Gulf product has repriced over the last decade-plus. The near-term picture is calmer — 2.4% year over year — which reads as a market that has leveled off rather than one still climbing quickly. Anyone underwriting to the last decade's pace should reset expectations to something flatter.
With only 6 active listings and 4 recent closings, individual sales swing the numbers, so lean on the specific comps for a unit's floor and view rather than the community median. The long marketing times mean pricing discipline matters more than usual: overpriced units here don't correct fast, they linger.
The location and the amenities are priced into every listing in Tops'l Beach Manor. 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 Tops'l Beach Manor 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 (4.3). Basis: Long-Term Appreciation +218% since 2012; Liquidity & Demand 12.0 months of supply; Pricing Power 89.3% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a thin market with six-month marketing times, the wrong price or the wrong comp costs real money. We price off the actual units that traded — floor, view, and condition — not the community median, and we tell sellers plainly when a number won't move and buyers when patience is the better play.
Tops'l Beach Manor in 15 seconds.
Tools for a Tops'l Beach Manor 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 Tops'l Beach Manor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Tops'l Beach Manor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Tops'l Beach Manor home worth?
Get a no-obligation home value based on real comparable sales in Tops'l Beach Manor, 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 TOPS'L BEACH MANOR
Homes in TOPS'L BEACH MANOR 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.
- 9001 W Us Highway 98 ## D-514 · off market
- 9011 Us Highway 98 ##210 · off market
- 9011 W US Hwy 98 #C-602 · off market
| Location | Miramar Beach, Walton County, FL · ZIP 32541, 32550 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | Elevators, Exercise Room, Short Term Rental - Allowed, BBQ Pit/Grill, Beach, Gated |
| Sale prices, last 12 months | $1,050,000 median across 4 closed sales |
| Days on market (closed sales) | 181 median |
| For sale right now | 4 active, 1 pending · median asking $900,000 · 12.0 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, “Tops'l Beach Manor key facts,” movewithmomentum.com/neighborhoods/tops-l-beach-manor, data as of September 20, 2026.
Housing distress & ownership in TOPS'L BEACH MANOR, 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 Tops'l Beach Manor
The newest homes for sale in Tops'l Beach Manor right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 9011 W US Highway 98 #C-602 $849,000 · 2 bd · 2 ba · listed Oct 26, 2026 Courtesy of The Agency Northwest Florida Beaches
- 9001 W US Highway 98 ## D-314 $1,050,000 · 2 bd · 2 ba · listed Sep 8, 2026 Courtesy of Sea Haus Realty
- 9011 W US Highway 98 ## D-414 $1,250,000 · 2 bd · 2 ba · listed May 23, 2026 Courtesy of Berkshire Hathaway Home Services PenFed Realty
- 9011 W US Highway 98 ## C-108 $725,000 · 2 bd · 2 ba · listed Jul 17, 2025 Courtesy of Sea Haus Realty
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Tops L Beach Manor Right Now (6)
All 6 active and pending Tops L Beach Manor listings with a detail page, newest first, refreshed twice a day from the MLS.
- 9011 W Us Highway 98 ## C-612 · $1,750,000 · 3 bd / 3 ba · pending · listed Nov 3, 2026 · listed by Sea Haus Realty
- 9011 W Us Highway 98 #C-602 · $849,000 · 2 bd / 2 ba · listed Oct 27, 2026 · listed by The Agency Northwest Florida Beaches
- 9001 W Us Highway 98 ## D-314 · $1,050,000 · 2 bd / 2 ba · listed Sep 8, 2026 · listed by Sea Haus Realty
- 9011 W US Highway 98 ## D-414 · $1,250,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by Berkshire Hathaway Home Services PenFed Realty
- 9011 W Us Highway 98 ## C-108 · $725,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by Sea Haus Realty
- 9011 Us Highway 98 ## B-705 · $750,000 · 2 bd / 2 ba · pending · listed Aug 8, 2026 · listed by Century 21 Commander Realty Inc
More Miramar Beach home searches
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Miramar Beach guides & data
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Florida buyer guides
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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.
- W Us Highway 98 (1 homes on record)
Recent Developments in Tops L Beach Manor
Development, infrastructure, retail, and school activity affecting Tops L Beach Manor, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- 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 25 miles north of Tops L Beach Manor, 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 site is about 9 miles north of Tops L Beach Manor.
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 9 miles north of Tops L Beach Manor.
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.
What it really costs to own in Tops'l Beach Manor
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 $6,178/yr across 4 listings here (MLS tax records, 2026-11-07). |
|---|---|
| HOA dues | Median $1,166/month across 4 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 1986 across 4 listings. An original roof here would be about 40 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 $1,843/month (tax $515, HOA $1,166, insurance $162). An estimate from the sources above, not a quote.
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Ask an agent about Tops'l Beach Manor Condos for Sale
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Frequently Asked Questions
What is the median home price in Tops'l Beach Manor?
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Where is Tops'l Beach Manor, and what county is it in?
Should you buy in Tops'l Beach Manor?
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 1993 (50 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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- Home values · What homes in Tops'l Beach Manor Condos for Sale in Miramar Beach actually sell for
