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$1,040,000 Just Listed

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 2,986 Sq. Ft.
  • Updated 4 days ago
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Exceptional waterfront opportunity with 115 feet of beach shoreline and beautiful water views throughout this thoughtfully updated property. A new dock featuring a spacious sundeck invites you to relax, fish, or entertain while taking in the scenery. This home also features a 1200 sqft 1-bed, 1-bath apartment over the garage, offering excellent income-producing potential. Inside, the kitchen features a cozy breakfast nook with a bay window perfectly positioned to capture the water view, and tile flooring runs throughout the home--no carpet. The home underwent a full remodel in 2005-2006, including sheetrock, insulation, electrical, windows, doors, and flooring. Major updates continue with a new roof and HVAC in 2021, and plumbing relocated to the walls and attic in 2021. Newer appliances include a very quiet dishwasher and a brand-new microwave. A concrete safe room adds exceptional storm protection and security. A spacious 400 sq ft office with a separate entrance offers flexibility for a home business, guest suite, or potential 5th bedroom, with its own closet, handicap-accessible design, and the ability to add a bathroom. Storage is abundant throughout both the main home and the apartment. The upstairs apartment, built in 2008, features a private entrance, its own water heater (2008), HVAC (2021), exterior-vented hood, washer and dryer, and independent security system. Step out onto the private balcony and enjoy sweeping views of the sound, making this space especially appealing for guests or tenants. A circular driveway offers ample parking, hurricane shutters and a security system added peace of mind. A workshop is also included. This versatile waterfront property offers stunning views, flexible living options, and strong investment potential all in one exceptional setting.

Full Property Details for 1491 W Hwy 98 W

General

  • Price: $1,040,000
  • Taxes: $3,920 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 992670
  • Updated: 1/12/2026
  • Added to Site: 6 day(s) ago

Interior

  • Rooms/Areas: Bedroom, Dining Area, Dining Room, Kitchen, Living Room, Master Bedroom, Office
  • Interior Features: 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

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3

Bedrooms

  • Total Bedrooms: 4

Other Rooms

  • Living Room: Living Room
  • Kitchen: Kitchen
  • 2nd Kitchen: Kitchen
  • Dining Room: Dining Room
  • Office: Office

Exterior

  • Exterior Features: Dock, Greenhouse, Hurricane Shutters, Lawn Pump, Patio Covered, Sprinkler System, Workshop

Parking

  • Garage: Yes
  • Garage Spaces: 2
  • Parking: Garage Attached, Oversized

Location

  • Area: 12 - Fort Walton Beach
  • County: Okaloosa
  • Subdivision: Metes & Bounds
  • Driving Directions: From Eglin Parkway, go west on Highway 98, to a U-turn at

School Information

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

Heating & Cooling

  • Heating/Cooling: AC - 2 or More, Ceiling Fans, Double Pane Windows, Storm Doors, Water Heater - Elect

Utilities

  • Utility Description: Public Sewer, Public Water

Structural Information

  • Architectural Style: Traditional
  • Construction: Concrete, Roof Dimensional Shg, Siding CmntFbrHrdBrd, Siding Vinyl, Trim Aluminum
  • Stories/Levels: 2
  • Square Feet: 2,986
  • Sq. Ft. Source: County PA Records
  • Year Built: 2008

Lot Features

  • Property View: Intracoastal Waterwy, Sound
  • Lot Size (Acres): 0.44
  • Lot Dimensions: 114.7 x 192.76 x 123 x 149.55
  • Street/Road Desc.: County Road, Paved Road, State Highway
  • Lot Features: Bulkhead/Seawall, Flood Insurance Req
  • Zoning: Resid Single Family

Water Features

  • Water Front Type: Intracoastal Wtrwy, Sound

Financial Considerations

  • Tax Amount: $3,920
  • Tax Year: 2025
  • Terms: Conventional, FHA

Disclosures and Reports

  • 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.
  • APN: 14-2S-25-0000-0020-0000

Listed by ERA American Real Estate

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— 1491 W Hwy 98 W —

  • ERA American Real Estate

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NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Schools serving 1491 W Hwy 98 W

School District:Okaloosa County School District
NameGradesDistance
Florosa Elementary School
1700 U.S. 98, Mary Esther, FL 32569
PK-50.5 mi
Max Bruner Junior Middle School
322 Holmes Boulevard Northwest, Fort Walton Beach, FL 32548
6-85.2 mi
Fort Walton Beach High School
400 Hollywood Boulevard Southwest, Fort Walton Beach, FL 32548
9-124.9 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 1491 W Hwy 98 W Get Price Alerts and Save Property

Date
Details
Price
Change
Source
1/12/2026
Listed
$1,040,000
271.43%
MLS
10/04/2002
Sold
$280,000
—
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 1491 W Hwy 98 W

Year
Property Taxes
Change
Tax Assessment
Change
2025
$4,083
2%
$403,212
3%
2024
$3,989
2%
$391,848
3%
2023
$3,926
4%
$380,435
6%
2021
$3,763
—
$358,596
-3%
2022
$3,769
—
$369,354
4%
2021
$3,763
2%
$353,645
2%
2019
$3,679
5%
$346,944
2%
2018
$3,507
—
$340,475
2%
2017
$3,496
3%
$333,472
2%
2016
$3,402
-2%
$326,613
1%
2015
$3,487
-1%
$324,343
1%
2014
$3,506
2%
$321,885
1%
2013
$3,453
—
$317,550
—
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.

Estimate the Cost for 1491 W Hwy 98 W

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Listed by ERA American Real Estate

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1491 W Highway 98 W, Mary Esther, FL 32569 (MLS# 992670) is a Single Family property with 4 bedrooms and 3 full bathrooms. 1491 W Highway 98 W is currently listed for $1,040,000 and was received on January 12, 2026. Want to learn more about 1491 W Highway 98 W? Do you have questions about finding other Single Family 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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