1491 W Highway 98, Mary Esther, FL 32569
$1,000,000
Property Type:
Residential
Bedrooms:
4
Baths:
3
Square Footage:
2,986
Lot Size (sq. ft.):
19,166
Status:
Active
Current Price:
$1,000,000
List Date:
1/12/2026
Last Modified:
5/01/2026
Description
SELLER OFFERING $5,000 CREDIT! What if your waterfront home could help pay for itself? This rare opportunity offers 115 feet of shoreline, sweeping water views, & a versatile layout designed for both lifestyle & income potential. Whether you're searching for a primary residence, second home, or investment property, this one delivers. A newly built sundeck (2021) creates the perfect setting for boating, fishing, or sunset evenings on the water. Inside, the main home features tile flooring throughout, a bay-window breakfast nook w/ water views, full renovation in 2005-06 & extensive updates including roof, HVAC, and plumbing in 2021. The standout feature? A private 1,200 sq ft 1-bedroom apartment over the garage w/ its own entrance, balcony, HVAC, water heater, washer/dryer
Supplements: & security system--ideal for long-term tenants, short-term rental income, or extended family. Additional highlights include a 400 sqft office w/ separate entrance (perfect for a home business or guest suite), concrete safe room, workshop, circular driveway, newer appliances (5 yrs or newer), & abundant storage throughout. Live on the water, generate income, & maximize flexibility--all in one unique property.
Open Houses
Saturday, May 02, 11:00 am - 1:00 pm
More Information MLS# 992670
Contract Info
Listing Board: Emerald Coast
List Price/SqFt: 334.9
List Date: 2026-01-12
Current Price: $1,000,000
List Price: $1,000,000
Location, Tax and Legal
Sub Area: 1212 - Mary Esther/West of Hurlburt
Elementary School: Florosa
Middle School: Bruner
High School: Fort Walton Beach
Legal Description: The West 114.7 ft of the East 700.0 ft of Lot 2, Section 14, Township 2 South, Range 25 West, lying south of the right-of-way of U.S. Hwy 98, Okaloosa county, Florida, and being further described by composite survey dated November, 1980, by Basil J Boles and as shown on said completed survey as the West 114.7 ft to East 700.1 ft of Government Lot 2, South of Hwy 98, Okaloosa County, Florida.
General Property Info
Sub-Type: Detached Single Family
Design: Traditional
SqFt Source: County PA Records
Immediate Occupancy: No
Garage: Yes
Carport: No
Pool: No
Pool Type: None
Apx SqFt(Htd/Cooled): 2986
Bedrooms: 4
Full Baths: 3
Total Bathrooms: 3
# Stories: 2
Year Built: 1981
Garage Spaces: 2
Acreage: 0.44
Listing Info, Tax & Legal
Homestead: Yes
Is Subject Leased: No
Assessment Fees: No
New Buyer Fee: No
Last Taxes: 3920.02
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: No
Remarks & Misc
Remarks: SELLER OFFERING $5,000 CREDIT! What if your waterfront home could help pay for itself? This rare opportunity offers 115 feet of shoreline, sweeping water views, & a versatile layout designed for both lifestyle & income potential. Whether you're searching for a primary residence, second home, or investment property, this one delivers. A newly built sundeck (2021) creates the perfect setting for boating, fishing, or sunset evenings on the water. Inside, the main home features tile flooring throughout, a bay-window breakfast nook w/ water views, full renovation in 2005-06 & extensive updates including roof, HVAC, and plumbing in 2021. The standout feature? A private 1,200 sq ft 1-bedroom apartment over the garage w/ its own entrance, balcony, HVAC, water heater, washer/dryer
Waterfront
Intracoastal Wtrwy: 1
Sound: 1
Waterfront Feet: 114.7
Construction Status
Construction Complete: 1
Parking Features
Garage Attached: 1
Oversized: 1
Waterview
Intracoastal Waterwy: 1
Sound: 1
Lot/Parcel Access
County Road: 1
Paved Road: 1
State Highway: 1
Lot Features
Bulkhead/Seawall: 1
Flood Insurance Req: 1
Construction/Siding
Concrete: 1
Roof Dimensional Shg: 1
Siding CmntFbrHrdBrd: 1
Siding Vinyl: 1
Trim Aluminum: 1
Utilities
Public Sewer: 1
Public Water: 1
Zoning
Resid Single Family: 1
Exterior
Dock: 1
Greenhouse: 1
Hurricane Shutters: 1
Lawn Pump: 1
Patio Covered: 1
Sprinkler System: 1
Workshop: 1
Interior
Ceiling Vaulted: 1
Fireplace: 1
Floor Tile: 1
Guest Quarters: 1
Lighting Recessed: 1
Pantry: 1
Split Bedroom: 1
Washer/Dryer Hookup: 1
Window Bay: 1
Window Treatmnt Some: 1
Financing
Conventional: 1
FHA: 1
Appliances
Dishwasher: 1
Microwave: 1
Range Hood: 1
Refrigerator W/IceMk: 1
Smoke Detector: 1
Smooth Stovetop Rnge: 1
Energy
AC - 2 or More: 1
Ceiling Fans: 1
Double Pane Windows: 1
Storm Doors: 1
Water Heater - Elect: 1
Mstr Bdrm/Mstr Bath
MBath Cultured Mrble: 1
MBath Tile: 1
MBath Whirlpool: 1
MBed First Floor: 1
MBed Walk-in Closet: 1
Master Bedroom
First: 1
Second: 1
Bedroom
First: 1
Kitchen
First: 1
Second: 1
Living Room
First: 1
Second: 1
Rooms
Bedroom: 1
Dining Area: 1
Dining Room: 1
Kitchen: 1
Living Room: 1
Master Bedroom: 1
Office: 1
Status Change Info
Status: Active
Location Tax and Legal
Area: 12 - Fort Walton Beach
Street #: 1491
Street Direction: W
Street Name: Highway 98
State: FL
Zip Code: 32569
County: Okaloosa
Project Name/Subdivision: METES & BOUNDS
Parcel ID: 14-2S-25-0000-0020-0000
Property Features
Construction Status: Construction Complete
Lot Features: Bulkhead/Seawall; Flood Insurance Req
Zoning: Resid Single Family
Waterfront: Intracoastal Wtrwy; Sound
Waterview: Intracoastal Waterwy; Sound
Parking Features: Garage Attached; Oversized
Exterior: Dock; Greenhouse; Hurricane Shutters; Lawn Pump; Patio Covered; Sprinkler System; Workshop
Interior: Ceiling Vaulted; Fireplace; Floor Tile; Guest Quarters; Lighting Recessed; Pantry; Split Bedroom; Washer/Dryer Hookup; Window Bay; Window Treatmnt Some
Appliances: Dishwasher; Microwave; Range Hood; Refrigerator W/IceMk; Smoke Detector; Smooth Stovetop Rnge
Utilities: Public Sewer; Public Water
Energy: AC - 2 or More; Ceiling Fans; Double Pane Windows; Storm Doors; Water Heater - Elect
Master Bedroom: First; Second
Bedroom: First
Kitchen: First; Second
Living Room: First; Second
Rooms: Bedroom; Dining Area; Dining Room; Kitchen; Living Room; Master Bedroom; Office
Financing: Conventional; FHA
Room Information
Living Room
Level: First
Dimensions: 14 x 18
Length: 14.00
Width: 18.00
Dimensions: 14 x 18
Dining Room
Level: First
Dimensions: 14 x 15
Length: 14.00
Width: 15.00
Dimensions: 14 x 15
Kitchen
Level: First
Dimensions: 14 x 9
Length: 14.00
Width: 9.00
Dimensions: 14 x 9
Master Bedroom
Level: First
Dimensions: 16 x 11
Length: 16.00
Width: 11.00
Dimensions: 16 x 11
Bedroom
Level: First
Dimensions: 13 x 17
Length: 13.00
Width: 17.00
Dimensions: 13 x 17
Bedroom
Level: First
Dimensions: 16 x 11
Length: 16.00
Width: 11.00
Dimensions: 16 x 11
Office
Level: First
Dimensions: 14 x 19
Length: 14.00
Width: 19.00
Remarks: Could be used at 4th bedroom
Dimensions: 14 x 19
Master Bedroom
Level: Second
Dimensions: 12 x 23
Length: 12.00
Width: 23.00
Remarks: Apartment
Dimensions: 12 x 23
Living Room
Level: Second
Dimensions: 12 x 24
Length: 12.00
Width: 24.00
Remarks: Apartment
Dimensions: 12 x 24
Dining Area
Level: Second
Dimensions: 8 x 8
Length: 8.00
Width: 8.00
Remarks: Apartment
Dimensions: 8 x 8
Kitchen
Level: Second
Dimensions: 8 x 16
Length: 8.00
Width: 16.00
Remarks: Apartment
Dimensions: 8 x 16
Listing Office:
ERA American Real Estate
Listing Agent:
Michelle A Whitaker
Last Updated: May - 01 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.