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21 Neptune Drive, Mary Esther, FL 32569 (MLS# 998385)

21 Neptune Drive, Mary Esther, FL 32569

$849,999
Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,600 Lot Size (sq. ft.): 17,860 Status: Active
Current Price: $849,999 List Date: 3/19/2026 Last Modified: 4/16/2026

Description

Experience true waterfront living with stunning sound views, direct sound access (NO FLOOD INSURANCE REQUIRED, IN ZONE X), and a backyard designed for both relaxation and entertaining. Situated on approximately 0.41 acres in the desirable Mariner's Cove community, this property offers a rare combination of space, functionality, and coastal lifestyle. From the moment you step inside, you're greeted by soaring ceilings, expansive living areas, and abundant natural light, all designed to highlight the home's connection to the water. Large windows and multiple vantage points bring the views inside, creating a bright and inviting atmosphere throughout.

Supplements: The outdoor space is where this home truly shines--featuring over 640 square feet of screened, heated pool area overlooking the water. Whether hosting guests or enjoying a quiet evening, the covered patio, wood-burning fireplace, and outdoor fire pit provide the perfect setting year-round. Boating enthusiasts will appreciate the 57-foot dock with sound and Gulf access, complete with a 10,000 lb boat lift and a large floating dock for easy Jet Ski access. Start your mornings with coffee on the water or unwind in the evenings with incredible sunset views. Additional exterior features include an extended driveway accommodating up to six vehicles, a two-car garage, a lawn pump sprinkler system to maintain the yard without increasing your water bill, and an elevated 10x14 Tuff Shed rated for 120 mph winds. Inside, the home offers generously sized rooms, ample storage, and a guest suite with a private balcony--perfect for enjoying the coastal breeze and water views. Recent upgrades provide both comfort and peace of mind, including a tankless gas water heater, impact-rated windows and doors (including garage door for wind mitigation benefits), and a new roof with enhanced underlayment for potential insurance savings. A home warranty is included, offering added protection for major systems such as HVAC, pool equipment, and appliances. Ideally located just minutes from Hurlburt Field and centrally positioned between Destin and Pensacola, this home offers convenience, lifestyle, and exceptional value for waterfront living.

More Information MLS# 998385

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 326.92 List Date: 2026-03-19 Current Price: $849,999 List Price: $849,999

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: Mariners Cove Lot 19

General Property Info

Sub-Type: Detached Single Family Design: Tudor SqFt Source: Agent-Measured Garage: Yes Carport: No Pool: Yes Pool Type: Private Apx SqFt(Htd/Cooled): 2600 Bedrooms: 3 Full Baths: 2 Half Baths: 1 Total Bathrooms: 3 # Stories: 2 Year Built: 1987 Garage Spaces: 2 Acreage: 0.41

Listing Info, Tax & Legal

Homestead: Yes Is Subject Leased: No Assessment Fees: No New Buyer Fee: No Last Taxes: 3830.9 Last Tax Year: 2020 Brokerage Interest: No Interest As Is: No

Remarks & Misc

Remarks: Experience true waterfront living with stunning sound views, direct sound access (NO FLOOD INSURANCE REQUIRED, IN ZONE X), and a backyard designed for both relaxation and entertaining. Situated on approximately 0.41 acres in the desirable Mariner's Cove community, this property offers a rare combination of space, functionality, and coastal lifestyle. From the moment you step inside, you're greeted by soaring ceilings, expansive living areas, and abundant natural light, all designed to highlight the home's connection to the water. Large windows and multiple vantage points bring the views inside, creating a bright and inviting atmosphere throughout.

Waterfront

Canal: 1 Waterfront Feet: 89

Construction Status

Construction Complete: 1

Parking Features

Boat: 1 Garage Attached: 1 RV: 1

Waterview

Canal: 1

Construction/Siding

Block: 1 Roof Composite Shngl: 1 Siding Brick Front: 1 Siding Brick Some: 1 Siding CmntFbrHrdBrd: 1

Utilities

Public Sewer: 1 Public Water: 1

Zoning

Resid Single Family: 1

Exterior

Balcony: 1 Boat Slip: 1 Boatlift: 1 Dock: 1 Lawn Pump: 1 Patio Covered: 1 Patio Open: 1 Pool - Enclosed: 1 Pool - Heated: 1 Pool - In-Ground: 1 Porch: 1 Porch Screened: 1 Sprinkler System: 1

Interior

Breakfast Bar: 1 Ceiling Cathedral: 1 Ceiling Crwn Molding: 1 Ceiling Tray/Cofferd: 1 Ceiling Vaulted: 1 Fireplace: 1 Floor Tile: 1 Floor WW Carpet New: 1 Pantry: 1 Pull Down Stairs: 1 Split Bedroom: 1 Washer/Dryer Hookup: 1 Woodwork Painted: 1

Financing

Conventional: 1 FHA: 1 VA: 1

Appliances

Auto Garage Door Opn: 1 Dishwasher: 1 Disposal: 1 Microwave: 1 Oven Self Cleaning: 1 Refrigerator: 1 Refrigerator W/IceMk: 1 Smoke Detector: 1 Stove/Oven Electric: 1

Energy

AC - Central Elect: 1 Attic Fan: 1 Ceiling Fans: 1 Double Pane Windows: 1 Heat Cntrl Electric: 1 Water Heater - Gas: 1

Mstr Bdrm/Mstr Bath

MBath Cultured Mrble: 1 MBath Double Vanity: 1 MBath Garden Tub: 1 MBath Separate Shwr: 1 MBath Tile: 1 MBed Carpeted: 1 MBed Cthdrl Ceiling: 1 MBed Trey Ceiling: 1 MBed Walk-in Closet: 1

Bedroom

Second: 1

Kitchen

First: 1

Living Room

First: 1

Full Bathroom

Second: 1

Half Bathroom

First: 1

Rooms

Bedroom: 1 Foyer: 1 Full Bathroom: 1 Half Bathroom: 1 Kitchen: 1 Laundry: 1 Living Room: 1 Master Bathroom: 1 Storage: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 12 - Fort Walton Beach Street #: 21 Street Name: Neptune Street Suffix: Drive State: FL Zip Code: 32569 County: Okaloosa Project Name/Subdivision: MARINERS COVE Parcel ID: 15-2S-25-3080-0000-0190

Property Features

Construction Status: Construction Complete Zoning: Resid Single Family Waterfront: Canal Waterview: Canal Parking Features: Boat; Garage Attached; RV Exterior: Balcony; Boat Slip; Boatlift; Dock; Lawn Pump; Patio Covered; Patio Open; Pool - Enclosed; Pool - Heated; Pool - In-Ground; Porch; Porch Screened; Sprinkler System Interior: Breakfast Bar; Ceiling Cathedral; Ceiling Crwn Molding; Ceiling Tray/Cofferd; Ceiling Vaulted; Fireplace; Floor Tile; Floor WW Carpet New; Pantry; Pull Down Stairs; Split Bedroom; Washer/Dryer Hookup; Woodwork Painted Appliances: Auto Garage Door Opn; Dishwasher; Disposal; Microwave; Oven Self Cleaning; Refrigerator; Refrigerator W/IceMk; Smoke Detector; Stove/Oven Electric Utilities: Public Sewer; Public Water Energy: AC - Central Elect; Attic Fan; Ceiling Fans; Double Pane Windows; Heat Cntrl Electric; Water Heater - Gas Bedroom: Second Kitchen: First Living Room: First Full Bathroom: Second Half Bathroom: First Rooms: Bedroom; Foyer; Full Bathroom; Half Bathroom; Kitchen; Laundry; Living Room; Master Bathroom; Storage Financing: Conventional; FHA; VA

Room Information

Living Room Level: First Dimensions: 22 x 14 Length: 22.00 Width: 14.00 Dimensions: 22 x 14 Kitchen Level: First Dimensions: 23 x 11 Length: 23.00 Width: 11.00 Remarks: Eat-in Kitchen Dimensions: 23 x 11 Master Bathroom Level: Second Dimensions: 27 x 14 Length: 27.00 Width: 14.00 Dimensions: 27 x 14 Master Bathroom Level: Second Dimensions: 14 x 10 Length: 14.00 Width: 10.00 Dimensions: 14 x 10 Bedroom Level: Second Dimensions: 20 x 12 Length: 20.00 Width: 12.00 Dimensions: 20 x 12 Bedroom Level: Second Dimensions: 21 x 12 Length: 21.00 Width: 12.00 Dimensions: 21 x 12 Full Bathroom Level: Second Dimensions: 9 x 7 Length: 9.00 Width: 7.00 Dimensions: 9 x 7 Half Bathroom Level: First Dimensions: 5 x 5 Length: 5.00 Width: 5.00 Dimensions: 5 x 5 Foyer Level: First Dimensions: 11 x 7 Length: 11.00 Width: 7.00 Dimensions: 11 x 7 Laundry Level: First Dimensions: 10 x 7 Length: 10.00 Width: 7.00 Dimensions: 10 x 7 Storage Level: First Dimensions: 16 x 15 Length: 16.00 Width: 15.00 Dimensions: 16 x 15
Listing Office: Realty ONE Group Emerald Coast
Listing Agent: Tarrah Minor
Last Updated: April - 16 - 2026
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