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$450,000

  • For Sale
  • Active
  • Condo / Townhouse
  • 2 Beds
  • 2 Full Baths
  • 1,292 Sq. Ft.
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Welcome to this dreamy waterfront escape nestled in the heart of Mary Esther! This top-floor condo offers stunning views of the Santa Rosa Sound, where sunsets paint the sky and dolphins occasionally wave hello. Step inside to find a bright, open-concept layout with breezy coastal vibes and plenty of natural light. Complete remodel in 2023. The kitchen sparkles with stainless steel appliances and granite countertops, perfect for whipping up beach-day snacks or hosting sunset dinners. The spacious living area flows seamlessly onto a private balcony. Unit comes with deeded boat slip and lift added in 2024. Just hop on your boat and go! Whether you're seeking a full-time haven, a vacation escape, or a smart investment, Unit 401 is ready to welcome you home with style, salt air, and charm

Full Property Details for 1409 W Hwy 98 W #401

General

  • Price: $450,000
  • Taxes: $3,375 (2024)
  • Status: Active
  • Type: Condo /Townhouse
  • Source: Emerald_Coast
  • MLS ID: 988122
  • Updated: 10/22/2025
  • Added to Site: 88 day(s) ago

Interior

  • Rooms/Areas: Bedroom, Carport, Kitchen, Living Room, Master Bedroom, Storage
  • Interior Features: Breakfast Bar, Elevator, Floor Vinyl, Pantry, Renovated, Washer/Dryer Hookup
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Microwave, Range Hood, Refrigerator W/IceMk, Washer

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 2

Other Rooms

  • Living Room: Living Room
  • Kitchen: Kitchen
  • Storage: Storage

Additional Information

  • Shared Amenities: Beach, Deed Access, Dock, Dumpster, Elevators, Fishing, Pool, Separate Storage, Short Term Rental - Not Allowed
  • Pool: Yes

Exterior

  • Exterior Features: Balcony, Boat Slip, Boatlift, Dock, Rain Gutter

Parking

  • Carports: Yes
  • Parking: Carport, Covered, Guest

Location

  • Area: 12 - Fort Walton Beach
  • County: Okaloosa
  • Subdivision: Rum Island Condominium
  • Driving Directions: Rum Island Condominiums are across the street from Sunrise Marine on the waterside (southside) of Highway 98. One mile West of Hurlburt Field main gate.

School Information

  • Elementary School: Florosa
  • Middle School: Bruner
  • High School: Fort Walton Beach

Heating & Cooling

  • Heating/Cooling: Ceiling Fans, Double Pane Windows, Heat Pump Air To Air, Water Heater - Elect

Utilities

  • Utility Description: Electric, Phone, Public Sewer, Public Water, TV Cable

Structural Information

  • Construction: Foundation On Piling, Roof Metal, Siding Vinyl, Slab
  • Stories/Levels: 0
  • Stories in Building: 4
  • Square Feet: 1,292
  • Sq. Ft. Source: Condo Docs
  • Year Built: 2000

Unit Information

  • Units in Building: 12

Lot Features

  • Property View: Gulf, Intracoastal Waterwy, Sound

Water Features

  • Water Front Type: Intracoastal Wtrwy, Sound, Unit Waterfront

Financial Considerations

  • Assessment Amount: $660
  • Assmt Payment Freq: Monthly
  • Tax Amount: $3,375
  • Tax Year: 2024
  • Terms: Conventional, FHA, VA

Disclosures and Reports

  • Legal Description: RUM ISLAND CONDO UNIT 401 BOAT SLIPS 3
  • Assessment: Yes
  • APN: 14-2S-25-1893-0000-0401

Listed by Black Dog Realty Group LLC

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Listing agent

— 1409 W Hwy 98 W #401 —

  • Black Dog Realty Group LLC

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Price & Sales History for 1409 W Hwy 98 W #401 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
10/22/2025
Listed
$450,000
11.11%
MLS
4/19/2024
Sold
$405,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 1409 W Hwy 98 W #401

Year
Property Taxes
Change
Tax Assessment
Change
2025
$3,809
13%
$320,000
7%
2024
$3,376
3%
$300,000
—
2023
$3,275
31%
$300,000
46%
2021
$2,498
-15%
$205,000
-25%
2022
$2,941
18%
$275,000
38%
2021
$2,498
24%
$200,000
21%
2019
$2,008
16%
$165,000
10%
2018
$1,729
7%
$150,000
9%
2017
$1,622
3%
$138,000
2%
2016
$1,576
-9%
$135,000
-6%
2015
$1,735
3%
$144,000
4%
2014
$1,685
—
$138,000
—
2013
$1,684
—
$138,000
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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NMLS#: 1598647

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Listed by Black Dog Realty Group LLC

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1409 W Highway 98 W #401, Mary Esther, FL 32569 (MLS# 988122) is a Condo / Townhouse property with 2 bedrooms and 2 full bathrooms. 1409 W Highway 98 W #401 is currently listed for $450,000 and was received on October 22, 2025. Want to learn more about 1409 W Highway 98 W #401? Do you have questions about finding other Condo / Townhouse real estate for sale in Mary Esther? You can browse all Mary Esther real estate or contact a Coldwell Banker agent to request more information.

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