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1491 W Highway 98, Mary Esther, FL - photo 1

$980,000

1491 W Highway 98

Mary Esther, FL 32569

Estimated payment $5,530/month

HOA not listed, not included · estimated tax · estimated insurance · 20% down, 6.5%, 30 yr

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4Beds
3Baths
2,986Sq Ft
$328Price/Sq Ft

Preferred partner

Kinsfolk Realty

Kinsfolk Signature Realty

Powered by Hometrino

(813) 602-0498

Highlights

Built in 1981
19,166 sqft Lot

About This Home

Rare **Santa Rosa Sound waterfront opportunity** with **115 feet of waterfront**, a private dock with sundeck, and a **separate 1,200 sq. ft. apartment above the garage** offering outstanding flexibility for rental income, extended family, guests, or multigenerational living. Whether you're searching for a primary residence, second home, waterfront retreat, or investment property, this home offers options that are hard to find. The main residence features beautiful water views, a bay-window breakfast nook overlooking the Sound, tile flooring throughout, and major updates including a 2021 roof, HVAC, and plumbing, plus a new water heater in 2026. The private apartment has its own entrance, balcony, washer/dryer, HVAC, water heater, and security system, allowing it to function independently from the main home. Additional features include a **400 sq. ft. office with separate entrance**, concrete safe room, workshop, hurricane shutters, circular driveway, and abundant storage. Enjoy boating, fishing, paddleboarding, sunrises, and sunsets from your own waterfront property. Located approximately **1.4 miles from Hurlburt Field**, this property combines waterfront living, income potential, and flexible space in one unique package.

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Facts & features

Bedrooms & bathrooms

  • •Bedrooms:4
  • •Bathrooms:3
  • •Full bathrooms:3
  • •Half bathrooms:0

Heating

  • •Has Heating:Yes

Interior area

  • •Total structure area:2,986 sqft
  • •Total interior livable area:2,986 sqft

Parking

  • •Parking features:N/A
  • •Garage spaces:0
  • •Has attached garage:No

Lot

  • •Size:19,166 sqft

Details

  • •Parcel number:N/A

Type & style

  • •Home type:Detached Single Family
  • •Property subtype:Residential

Materials

  • • N/A

Condition

  • •Year built:1981

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Price history

DateEventPrice
2026-01-12T00:00:00.000ZListed for sale$980,000$328/sqft

Listing Agent

Michelle A Whitaker

ERA American Real Estate

Brokerage Phone: 850-651-2454

Source: Emerald Coast MLS · MLS #992670

Data Powered by Home Junction, Inc.

Nearby

Schools

FLOROSA ELEMENTARY SCHOOL

Elementary · 0.5 mi

EMBRY-RIDDLE AERONAUTICAL UNIVERSITY - FORT WALTON BEACH-HURLBURT FIELD

1.4 mi

UNIVERSITY OF ARKANSAS - HURLBURT FIELD CENTER

1.5 mi

Dining

Emerald Coast Food

0.3 mi

A J's Restaurant

0.3 mi

Bo days

0.3 mi

Parks

Colonel Bud Day Park

0.3 mi

Memorial Air Park

1.3 mi

Beaches

Fort Walton Beach

6.7 mi

Okaloosa Island Beach

7.9 mi

Princess Beach

10.9 mi

Nearby amenity locations include data © OpenStreetMap contributors.