Waterfront Homes for Sale in Miramar Beach, FL
This page tracks every Miramar Beach listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
321 waterfront homes are for sale or pending in Miramar Beach, FL today across 176 communities. The median asking price is $924,900, from $180,000 to $10,000,000. Most listings right now: Westwinds At Sandestin Condo (9), Villa Lago (7), Beachside Two (7). Updated September 8, 2026 from the MLS.
Miramar Beach waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most waterfront homes listed are tabled; the rest follow.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Westwinds At Sandestin Condo | 9 | 0 | $1,125,000 | $989,900 |
| Villa Lago | 7 | 0 | $940,000 | $919,900 |
| Beachside Two | 7 | 0 | $580,000 | $499,000 |
| Bayside Condo Sandestin | 7 | 0 | $225,000 | $180,000 |
| Villa Lago | 6 | 0 | $994,500 | $919,900 |
| Mainsail Condo Ph 1 | 6 | 0 | $909,750 | $699,000 |
| Tops'L Beach Manor | 6 | 0 | $862,000 | $725,000 |
| Mainsail Condo Ph 3 | 6 | 0 | $640,000 | $549,900 |
| Burnt Pine | 5 | 0 | $3,999,000 | $2,450,000 |
| Burnt Pine | 5 | 0 | $3,799,000 | $2,250,000 |
| Tides At Tops'L | 5 | 0 | $849,000 | $699,800 |
| Edgewater Beach Condo Ph 1 | 5 | 0 | $655,000 | $419,000 |
| Grand Dunes - North Tower | 4 | 0 | $2,945,000 | $2,495,000 |
| Southwinds I | 4 | 0 | $1,898,500 | $1,599,000 |
| Tides At Tops'L | 4 | 0 | $1,024,250 | $779,000 |
| Tops'L Beach Manor | 4 | 0 | $950,000 | $725,000 |
| Lasata | 4 | 0 | $514,000 | $250,000 |
| Harbour Point Condo | 4 | 0 | $462,700 | $420,000 |
| Whispering Oaks | 3 | 0 | $7,250,000 | $2,879,000 |
| Whispering Oaks | 3 | 0 | $6,850,000 | $2,879,000 |
| Warren Heights | 3 | 0 | $3,790,000 | $3,750,000 |
| Warren Heights | 3 | 0 | $3,790,000 | $3,750,000 |
| Island Green | 3 | 0 | $2,799,000 | $2,165,000 |
| Island Green | 3 | 0 | $2,590,000 | $2,050,000 |
| Southwinds I | 3 | 0 | $1,800,000 | $1,599,000 |
| Empress (The) | 3 | 0 | $1,299,000 | $1,100,000 |
| Mainsail Condo Ph 5 | 3 | 0 | $1,195,000 | $623,900 |
| Beachside 1 Condo | 3 | 0 | $879,000 | $839,000 |
| Beachside Two | 3 | 0 | $797,000 | $550,000 |
| Beach House Condo Ph 2 | 3 | 0 | $675,000 | $649,000 |
| Players Club At Sandestin | 3 | 0 | $590,000 | $499,900 |
| Seascape Condo Ph 6B Ph 1 | 3 | 0 | $554,900 | $439,000 |
| Bahia Condo | 3 | 0 | $529,000 | $499,999 |
| Lasata | 3 | 0 | $499,000 | $255,000 |
| Elation | 3 | 0 | $440,000 | $289,000 |
| Elation | 3 | 0 | $440,000 | $289,000 |
| Gulf Pines | 2 | 0 | $2,149,997 | $1,999,995 |
| Edgewater Beach Condo Ph 2 | 2 | 0 | $1,497,000 | $499,000 |
| Empress (The) | 2 | 0 | $1,394,500 | $1,100,000 |
| Southwinds I At Sandestin | 2 | 0 | $1,362,500 | $1,300,000 |
| Southwinds I At Sandestin | 2 | 0 | $1,312,500 | $1,250,000 |
| Majestic Sun | 2 | 0 | $1,020,000 | $695,000 |
| Northshore | 2 | 0 | $1,000,000 | $950,000 |
| Northshore | 2 | 0 | $1,000,000 | $950,000 |
| Prestwick Place | 2 | 0 | $989,000 | $899,000 |
| Hidden Dunes Beach Villas | 2 | 0 | $969,950 | $940,000 |
| Prestwick Place | 2 | 0 | $964,000 | $899,000 |
| Fairways At Sandestin Ph 2 | 2 | 0 | $896,000 | $795,000 |
| Fairways At Sandestin Ph 2 | 2 | 0 | $871,000 | $745,000 |
| Hidden Dunes Gulfside 1 | 2 | 0 | $837,500 | $825,000 |
| Hidden Dunes Gulfside 1 | 2 | 0 | $824,500 | $799,000 |
| Sandpiper Village Condo | 2 | 0 | $775,000 | $775,000 |
| Seascape Condo Ph 10 | 2 | 0 | $749,000 | $748,000 |
| Seascape Condo Ph 7C | 2 | 0 | $699,450 | $649,900 |
| Le Jardin | 2 | 0 | $662,500 | $590,000 |
| Le Jardin | 2 | 0 | $662,500 | $590,000 |
| Tivoli By The Sea 1 | 2 | 0 | $650,000 | $565,000 |
| Heron Walk Ph 3 | 2 | 0 | $627,000 | $535,000 |
| Heron Walk Ph 3 | 2 | 0 | $627,000 | $535,000 |
| Beachwalk Villas Ph 05 | 2 | 0 | $615,250 | $532,500 |
Also with waterfront homes for sale: Heron Walk (2), Heron Walk (2), Beachwalk Villas Ph 05 (2), Seascape Condo Ph 6B Ph 3 (2), Richards A E Unrec (1), Southwinds Iii At Sandestin (1), Southwinds Iii At Sandestin (1), Holiday Shores Estates 1St Addn (1), Holiday Shores Estates 1St Addn (1), Holiday Shores Estates (1), Holiday Shores Estates (1), Burnt Pine Circle (1), Villa Burago (1), Villa Burago (1), Burnt Pine Circle (1), Burnt Pine (1), Shipwatch (1), Shipwatch (1), Delos at Frangista (1), Delos at Frangista (1), Flamingo Beach (1), Flamingo Beach (1), Troon Drive / Sandestin (1), Flounder Beach Unrec (1), Island Estates (1), Callie Shores Unrec (1), Grand Dunes - South Tower (1), Island Estates (1), Southwinds Iii (1), Gulf Pines (1), Bayshore Gardens (1), Bayshore Gardens (1), Gulf Pines 1St Addn (1), Gulf Pines 1St Addn (1), Southwinds Ii (1), Del Mar At Sandestin (1), Southwinds Ii (1), Anchorage At Sandestin The (1), The Retreat at Miramar (1), Del Mar At Sandestin (1), Crescent At Miramar Beach The (1), Fountains at Sandestin (1), Fountains at Sandestin (1), Grand Villas at Tops'l Beach Club (1), Grand Villas at Tops'l Beach Club (1), Sunchase T/H (1), Sunchase T/H (1), Sanddollar Townhomes (1), Laurel Grove (1), Laurel Grove (1), CRYSTAL LAKE PHASE I - Olde Towne (1), Saint Tropez (1), Saint Tropez (1), Compass Rose (1), Compass Rose (1), Villa Lago (1), Baypines (Sandestin) (1), Baypines (Sandestin) (1), Villa Lago (1), Legend Creek At Sandestin (1), Beachside Two Condominium (1), Beachside One (1), Hidden Dunes Beach Villas (1), Laurel Grove (1), Laurel Grove (1), Fairways (1), Turnberry Ii (1), Pine Ridge (1), Pine Ridge Villas (1), Pine Ridge Villas (1), Turnberry Ii (1), Fairways At Sandestin Ph 1 (1), Fairways At Sandestin Ph 1 (1), Beachwalk Villas (1), Beachwalk Villas (1), Pine Ridge (1), Emerald Bay Ph 1A (1), Ariel Dunes (1), Beach House Condo Ph 1 (1), Mainsail Condo Ph Iv (1), Tivoli By The Sea 1 (1), Beach House (1), Beach House (1), Turnberry Villas Condo (1), Destin Surfside Condo (1), Players Club On The Bay (1), Fairways At Sandestin Ph 4 (1), Seascape Condo Ph 6B Ph 4 (1), Tops'L Tennis Village (1), Tops'L Tennis Village (1), Fairways At Sandestin Ph 4 (1), Linkside Village Unit 1 (1), Beachwalk Villas Ph 10 (1), Beachwalk Villas Ph 10 (1), Summit At Tops'L (The) (1), Summit At Tops'L (The) (1), Beachwalk Villas Ph 03 (1), Bayou Village Condo Ph 2 (1), Beachwalk Villas Ph 03 (1), Beachwalk T/H (1), Beachwalk T/H (1), Bayou Village Condo Ph 1 (1), Edgewater (1), Edgewater (1), Edgewater Beach (1), Edgewater Beach (1), Players Club At Sandestin (1), Mainsail Condo Ph 4 (1), Harbour Pointe (1), HARBOUR POINT CONDO Sandestin Golf and Beach Resort (1), Seascape Condo Ph 7 (1), Hidden Dunes Beach Cottages (1), Crystal Cove (1), Crystal Cove (1), Seascape Condo Ph 6B Ph 5 (1), Grand Sandestin (1).
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Miramar Beach?
What do waterfront homes cost in Miramar Beach?
Which Miramar Beach community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Miramar Beach
Live data: Emerald Coast AOR, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Miramar Beach, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.