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515 Topsl Beach Blvd APT 1103, Miramar Beach, FL, 32550

2beds
2baths
1,141sqft
$650,000
$570price/sqft
$4,832/moest. monthly cost
$193,280/yrincome needed

About This Home

Breathtaking views and refreshing ocean breezes await from the top floor of this Summit condo. Embrace the full resort lifestyle with amenities designed for relaxation and fun. This unit offers a spacious layout perfect for entertaining, vacationing, or full-time coastal living. While you may never want to leave the private back patio, the stunning panoramic views of the Gulf will truly take your breath away and leave you feeling rejuvenated. This condo is being sold fully furnished and is rental-ready Deeded Parking spot is included! This is a rare find! -- making it an ideal investment or personal beach retreat

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

8/10
8/10
South Walton High SchoolGrades 9-128.6 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1997

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedroom

  • Level: First
  • Area: 100
  • Dimensions: 10 x 10

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Cooling

  • Cooling features: Central Air,Ceiling Fan(s)

Dining Room

  • Level: First
  • Area: 100
  • Dimensions: 10 x 10

Features

  • Window features: Window Treatments
  • Flooring: Tile,Carpet

Interior Area

  • Total structure area: 1,141
  • Total interior livable area: 1,141 sqft

Master Bathroom

  • Level: First
  • Area: 100
  • Dimensions: 10 x 10

Master Bedroom

  • Level: First
  • Area: 100
  • Dimensions: 10 x 10

Property

Details

  • Parcel number: 352S21421500001114

Features

  • Exterior features: Balcony
  • Has view: Yes
  • View description: Gulf,Gulf/Pass,Water
  • Has water view: Yes
  • Water view: Gulf,Gulf/Pass,Water

Parking

  • Total spaces: 2
  • Parking features: Garage,Covered
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Inland Flooding
Strong Wind
Tsunami

FEMA Declared Disasters in Walton County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,286$39,432
Home Insurance *$828$9,936
Property Taxes $521$6,252
Electricity $197$2,366
Total$4,832$57,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$165,668/yr
40% on housing$144,960/yr
45% on housing$128,853/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 8.0%
8.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$570This listing

vs Other Active Listings

Avg $/sqft

ZIP 32550$430
Walton County$484

vs Homes Sold Last Month

Median $/sqft

ZIP 32550$483
Walton County$400

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-25Listed for sale$650,000
2026-01-30Listing removed$3,500
2025-11-05Listed for rent$3,500
2025-05-19Listing removed$3,500
2025-05-14Price change$3,500
2025-05-06Listed for rent$3,900
2020-12-15Sold$499,000
2020-10-01Listed for sale$499,000
2008-03-27Listing removed$500,000
2008-02-25Listed for sale$500,000
2007-02-26Sold$460,000
2000-05-10Sold$269,500

For Sale by Agent

AgentChristine P Baeza
BrokerageDockside Realty Inc

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