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Miramar Beach · Condo Building

The Summit at TOPS'L Condos for Sale

The Summit at TOPS'L in Miramar Beach, Walton County: 154 residences at 515 TOPS'L Beach Boulevard, listed with a 1997 year built.

Updated

Ask About The Summit at TOPS'LMarket AnalyticsAll Miramar Beach Buildings

1997

Year Built

154

Total Units

Year built, floor and unit figures are as published by the sources cited at the foot of this page. Confirm them against the association's own documents during diligence.

Guest rating

4.8 out of 5

From 1,370 guest reviews on Airbnb and Vrbo

Across 46 rental listings with guest reviews in The Summit at TOPS'L

  • Airbnb 4.8
  • Vrbo 4.8
See what guests rate

About The Summit at TOPS'L

The Summit at TOPS'L stands at 515 TOPS'L Beach Boulevard in Miramar Beach, outside every city limit, in unincorporated Walton County. The state property roll files 155 parcels under its number series: 154 residences and one common-element parcel recorded to Summit at TOPS'L Owners Association. The roll dates all 154 residences to 1997.

Unit numbers run from 101 through 1114, fourteen to a level across eleven numbered levels, and the roll records two sizes of living area. The 99 residences on lines 01 to 04 and 10 to 14 are listed at 1,141 square feet, and the 55 on lines 05 to 09 at 1,601 square feet. Those are appraiser figures, not floor plans, so check any unit's size against its own documents. A door number is also not a certified story count, which is why this page does not state floors.

Summit sits inside the larger TOPS'L resort. The same roll shows neighboring condominiums, including TOPS'L Beach Manor with 121 residences and TOPS'L Tennis Village with 65, plus a common-area parcel owned by TOPS'L Master Association Inc. Nothing in the parcel data says which resort facilities, beach services or club rights come with a Summit residence, so ask for the Summit declaration, the current budget, the reserve study and any master association statement before counting on an amenity.

HOA & Fees

What is the HOA fee at The Summit at TOPS'L?

As of November 11, 2026, the 10 The Summit at TOPS'L condos for sale that report a fee on the MLS list HOA fees from $980 to $1,494 a month, with a median of $1,075 a month. Fees vary with unit size and type, so the fee for a specific residence is the one its listing and the association state.

Based on 10 active MLS listings that report an HOA fee. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent. See the listings

Summit's own owners association holds the common-element parcel, and the roll names a separate TOPS'L Master Association as owner of another shared parcel in the resort. Whether a Summit owner pays into both, and what each one covers, is a matter for the recorded declarations, not the parcel data. Lay the Summit budget beside any master statement line by line, and ask which exterior and insurance obligations the tower association carries.

Rental Policy

Short-term rentals: allowed. Confirm the current minimum stay and registration with the association.

The Summit at TOPS'L declaration and association rules decide what an owner may do with a home for guests. Neither a minimum stay nor a right to rent shows up in records checked so far. No city program covers the Summit tower, which stands in unincorporated Walton County. Check any county or state requirement with that agency directly. TOPS'L resort marketing does not replace the Summit's own documents. Ask the association for them.

What guests say about staying here

Combined Airbnb and Vrbo ratings for the vacation rentals in The Summit at TOPS'L.

4.8 out of 5

1,370 reviews across 46 reviewed listings

  • Airbnb 4.8 from 489 reviews on 19 reviewed listings
  • Vrbo 4.8 from 881 reviews on 27 reviewed listings

What Airbnb guests rate

  • Cleanliness4.8
  • Accuracy4.9
  • Check-in4.9
  • Communication4.9
  • Location4.9
  • Value4.8

Guests rate accuracy and the location highest.

These ratings describe the vacation rentals in The Summit at TOPS'L, not any one unit for sale.

Market data by Key Data · 40 units tracked in The Summit at TOPS'L · Nov 2025 to Nov 2026

Live Inventory

Active Listings at The Summit at TOPS'L

Short-Term Rental Eligible

$589,000

515 Tops L Beach Boulevard Unit 902

Miramar Beach, FL 32550

2 bd 2 ba 1,141 sqft
Short-Term Rental Eligible

$579,000

515 Tops'L Beach Boulevard Unit 501

Miramar Beach, FL 32550

2 bd 2 ba 1,141 sqft
NewShort-Term Rental Eligible

$659,000

515 Tops L Beach Boulevard Unit 309

Miramar Beach, FL 32550

3 bd 3 ba 1,601 sqft
Short-Term Rental Eligible

$349,000

515 Tops'L Beach Boulevard Unit 212

Miramar Beach, FL 32550

2 bd 2 ba 1,141 sqft
Short-Term Rental Eligible

$499,000

515 Tops'l Beach Boulevard Unit 103

Miramar Beach, FL 32550

2 bd 2 ba 1,141 sqft
Price ReducedShort-Term Rental Eligible

$825,000

515 Tops'l Beach Boulevard Unit 906

Miramar Beach, FL 32550

3 bd 3 ba 1,601 sqft
Short-Term Rental Eligible

$650,000

515 Tops'l Beach Boulevard Unit 109

Miramar Beach, FL 32550

3 bd 3 ba 1,601 sqft
Short-Term Rental Eligible

$699,000

515 Tops L Beach Boulevard Unit 705

Miramar Beach, FL 32550

3 bd 3 ba 1,601 sqft
Short-Term Rental Eligible

$699,000

515 Tops L Beach Boulevard Unit 605

Miramar Beach, FL 32550

3 bd 3 ba 1,601 sqft
Price ReducedShort-Term Rental Eligible

$575,000

515 Tops'l Beach Summit #913 Boulevard Unit 913

Miramar Beach, FL 32550

2 bd 2 ba 1,141 sqft
Price ReducedShort-Term Rental Eligible

$575,000

515 Tops'l Beach Boulevard Unit 811

Miramar Beach, FL 32550

2 bd 2 ba 1,141 sqft

The short-term rental badge above is not a permission of record. It reflects the MLS short-term-rental field where a listing discloses one, and otherwise where the home sits. Confirm the association's current rules and the local registration requirement before relying on it.

Building Answers

The Summit at TOPS'L FAQ

How much is the HOA fee at The Summit at TOPS'L?

As of November 11, 2026, the 10 The Summit at TOPS'L condos for sale that report a fee on the MLS list HOA fees from $980 to $1,494 a month, with a median of $1,075 a month. Fees vary with unit size and type, so the fee for a specific residence is the one its listing and the association state.

How many residences are in The Summit at TOPS'L?

The state roll lists 154 residences at 515 TOPS'L Beach Boulevard, numbered 101 through 1114 with fourteen on each of eleven levels. A 155th parcel is the common-element parcel held by the owners association, so it is left out of the residence count. Walton County's own parcel file returns the same 154 plus one.

How large are the units at The Summit at TOPS'L?

The roll lists two living-area figures. Lines 01 to 04 and 10 to 14, 99 residences in all, show 1,141 square feet, while lines 05 to 09, 55 residences, show 1,601 square feet. These are appraiser records for living area, so confirm a specific unit against its floor plan or the declaration before relying on the figure.

Is The Summit at TOPS'L in a FEMA flood zone?

Laid over each of Summit's 154 residence footprints, FEMA's national map lands every one in its lowest-hazard category, Zone X. The association's shared grounds differ, because part of that parcel reaches the 0.2 percent annual chance band. Zone labels describe ground, so ask for an elevation certificate before leaning on them for a particular residence.

Does The Summit at TOPS'L need a milestone inspection or reserve study?

Florida requires a milestone inspection and a structural integrity reserve study for condominium buildings of three habitable stories or more, and Summit's numbering points to eleven levels. The milestone clock runs from the date the local building official issued the building's certificate for use, which the 1997 roll year does not prove, and a local agency may set 25 years instead of 30. Ask the association for the inspection report, the reserve study and the 45-day owner summary the statute requires.

Sources

Other Miramar Beach Condo Buildings

Miramar Beach Communities

Communities in This Market

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