Emerald Coast Condo Map
Gulf View

The Summit at Tops'l

515 Tops'l Beach Blvd, Miramar Beach, FL 32550

Walton County · Tops'l

By Josh Parish, Founding Editor · Updated 08/28/2026

The Summit at Tops'l is a Gulf-View tower in Miramar Beach, FL, within the Tops'l community, built in 1997, standing 11 stories with 154 condos. Short-term rentals are allowed, recent sale prices fall in the $500K–$850K band, and on-site amenities include a pool, a fitness center, gated entry, and a private beach.

1997
Built
154
Units
11
Stories
Gulf View
Frontage
Allowed
Rentals
Google Maps →Street View →

Part of Tops'l

Amenities
  • —Pool
  • —Private Beach
  • —Beach Service
  • —Fitness
  • —Elevator
  • —Gated
  • —Tennis
  • —Pickleball
  • —Onsite Dining
  • —Ev Charging
Map
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Closest by car: public beach access — Tops'l — TOPS'L Beach Walkover (0.2 mi); grocery — Publix - Grand Boulevard (1.0 mi); town center — Grand Boulevard at Sandestin (0.9 mi); hospital — Ascension Sacred Heart Emerald Coast (1.2 mi); airport — Destin-Fort Walton Beach Airport (VPS) (16 mi).

Customary Use
Customary Use

The Summit at Tops'l looks out over the Gulf from just back of the beach. Along this coast, the wet sand below the mean high-water line is always open to the public. Where a beach has been rebuilt with public money, that open stretch can reach farther up, to a marked Erosion Control Line. The nearest public beach walkover is a short distance away. Reflects the public record as of June 2026.

How customary use works on the Emerald Coast →

County and court records. Editorial assessments are the author's own. Not legal advice.

Geographic Overlays
Geographic Overlays
FEMA flood zone (parcel): X
FIRM panel: 12131C0652H, effective 12/30/2020
Coastal Barrier Resources System (CBRS): Outside all three
Coastal Construction Control Line (CCCL): Landward
Evacuation zone: A
Critically eroded shoreline: Critical. Florida DEP designates the western Walton County shoreline (R1 to R23.6) as critically eroded — the state's term for a beach where erosion now threatens buildings, roads, parks or habitat. A restored beach keeps that designation so it stays eligible for state money to maintain it. The beach restoration here was finished in 2007, and 800 more feet was added to the designation in 2014 so the federally authorized Walton County Hurricane and Storm Damage Reduction Project could be managed as one stretch. The nearest point of that stretch sits about 1,900 feet from this building.
Structural Integrity Reserve Study (SIRS): Complete — on file with DBPR
Source: Florida DBPR SIRS Reporting Database (D7) — pre-July-2025 + July-2025-and-after lists, searched 2026-07-31 · as of 07/31/2026
Source: FEMA NFHL (https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer) layer 28 Flood Hazard Zones — flood zone, SFHA and base flood elevation; layer 3 FIRM Panels — FIRM panel and effective date. USFWS/USGS CBRS Mapper (https://gis1.wim.usgs.gov/server/rest/services/CBRSMapper/CoastalBarrierResourcesSystem/MapServer) layer 3 CBRS Units — CBRS status. Florida DEP (https://ca.dep.state.fl.us/arcgis/rest/services/OpenData/COASTAL_ENV_PERM/MapServer) layer 2 Coastal Construction Control Lines — CCCL position; layer 3 Coastal Critical Erosion Areas — critically eroded shoreline, read against FDEP's Critically Eroded Beaches in Florida, August 2025, in which Okaloosa and Walton were last revised June 2014. Florida DEM (https://services.arcgis.com/3wFbqsFPLeKqOlIK/ArcGIS/rest/services/Evacuation_Zones_20230608/FeatureServer) layer 12 Evacuation_Zones_20240226, last edited 2024-02-26 — evacuation zone. · as of 2026-07-27
Milestone inspection: Milestone Inspection (Phase I) completed 04/2023; Phase II inspection not required.
Source: Walton County Building Department (public records) · as of 04/26/2023
County parcel record
The Summit at Tops'l — Parcel parcel record
Parcel08/20/2026Walton County · hand-built footprint · Esri/Maxar
The Summit at Tops'l — Block parcel record
Block08/20/2026Walton County · hand-built footprint · Esri/Maxar
The Summit at Tops'l — Area parcel record
Area08/20/2026Walton County · hand-built footprint · Esri/Maxar
Association & Recorded Documents
Association: The Summit at Tops'l Owners Association, Inc.
Declaration: Declaration of Condominium for The Summit at Tops'l recorded 01/09/1997 (instrument #541180)
Use Rules
Minimum rental term: No minimum lease term; residential/rental use.
Common Questions

What is the minimum rental term at The Summit at Tops'l?

No minimum lease term; residential/rental use. The declaration is the property's recorded rulebook, filed in the county records. Source: Walton County official records, instrument #541180.

Has The Summit at Tops'l filed a structural integrity reserve study?

Yes. A structural integrity reserve study is a state-required engineering study of a building's big-ticket parts and the money set aside to replace them. The Summit at Tops'l is listed complete and on file with the Florida Department of Business and Professional Regulation. Source: Florida DBPR SIRS Reporting Database, searched 07/31/2026.

What is the owners association at The Summit at Tops'l, and when was its declaration recorded?

The association of record is The Summit at Tops'l Owners Association, Inc. Recorded declaration: Declaration of Condominium for The Summit at Tops'l recorded 01/09/1997 (instrument #541180). Source: Walton County official records.

The Buyer's Intelligence Report

Get the Buyer's Intelligence Report

What the report covers: HOA financials, milestone and SIRS status, insurance, comps, and county records — compiled in one place for The Summit at Tops'l.

Prepared and delivered by Josh Parish, Emerald Coast Acquisitions · Destin, Florida. Access requires a signed buyer-broker agreement.

Building facts verified against the County Property Appraiser parcel records. Editorial assessments, metrics, and vibe are the author's own.