26 TOPAZ COVE, MIRAMAR BEACH, FL, 32550
Active134 days on marketListed Mar 27, 2026MLS #O6393760
About this home
26 TOPAZ COVE
Welcome to your slice of paradise in Emerald Shores of South Walton! This charming Key West–style 4-bedroom, 3-bathroom home offers the perfect blend of coastal living and income-producing potential ideal as a vacation getaway, primary residence, or investment opportunity. Step inside to the main level, where an open-concept layout creates a bright and inviting space for gathering. The living, dining, and kitchen areas flow seamlessly together, perfect for entertaining or relaxing after a day at the beach. The kitchen is equipped with stone countertops, stainless steel appliances, and convenient access to the pantry and laundry area. Upstairs on the second floor, you’ll find all four bedrooms and two full bathrooms, thoughtfully arranged for comfort and privacy. Step out onto the front-facing balcony and enjoy the coastal breeze. The third-floor loft offers a versatile bonus space ideal as an additional sleeping area, game room, or home office with access to another balcony for even more outdoor enjoyment. Enjoy Florida living year-round with both front and rear screened patios, providing the perfect setting for morning coffee or evening relaxation without the bugs. Located just a short walk to the beach, this home offers easy access to the sugar-white sands and emerald waters that make this area so desirable. Whether you’re looking for a personal retreat or a high-demand rental property, this home delivers location, style, and flexibility in one of the area’s most sought-after communities.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,094
Sqft
0.11 ac
Lot size
1993
Year built
Three Or More
Levels
$430
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$6,395 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,395/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Miramar Beach
Get to know Miramar Beach. See the full Miramar Beach guide →
MIRAMAR BEACH 32550 — neighborhood snapshot
Population
8,192
Median age
60.1
Median income
$96,269
Median home value
$679,800
Avg household
1.97
Households w/ children
490
For the school run
Walton County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Miramar Beach market
$474K → $474K
Miramar Beach median sold, yr/yr
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Jillian Kobylesky
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 26 TOPAZ COVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 26 TOPAZ COVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
26 TOPAZ COVE FAQs
What would the monthly payment be for 26 TOPAZ COVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,395/mo — principal and interest, the actual property-tax bill, the $511/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 26 TOPAZ COVE?+
The association fee works out to $511 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 26 TOPAZ COVE?+
The most recent tax bill on record (2025) was $6,371. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 26 TOPAZ COVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Miramar Beach?+
At $899,900, this home is priced right at the Miramar Beach median.
Which schools are assigned to 26 TOPAZ COVE?+
Van R. Butler Elementary School (elementary), South Walton High School (high), Freeport Middle School (middle), Emerald Coast Middle School (middle), Freeport Elementary School (elementary), Dune Lakes Elementary School (elementary), Freeport Senior High School (high), Mossy Head School (elementary), West Defuniak Elementary School (elementary), Walton Middle School (middle), Walton High School (high), Maude Saunders Elementary School (elementary), Paxton School () — Walton County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Know the monthly fee
The association fee is $511/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
02Strong assigned schools
Van R. Butler Elementary School, South Walton High School, Freeport Middle School, Emerald Coast Middle School, Freeport Elementary School, Dune Lakes Elementary School, Freeport Senior High School, Mossy Head School, West Defuniak Elementary School, Walton Middle School, Walton High School, Maude Saunders Elementary School, Paxton School — Van R. Butler Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $979,999, now $899,900 — a $80K cut. The full history is in the market section below.
Listing courtesy of EXP REALTY LLC · Isis Sarcos. MLS #O6393760.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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