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$980,000

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 2,986 Sq. Ft.
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**Waterfront living meets investment opportunity on the Santa Rosa Sound!** With **115 feet of waterfront**, a private dock with spacious sundeck, & a **separate 1,200 sqft. apartment above the garage**, this one-of-a-kind property offers the flexibility to enjoy the waterfront lifestyle while creating income potential. Whether you're searching for a primary residence, vacation home, multigenerational property, or a home with space for guests, this property delivers options that are hard to find. The main home offers beautiful water views, a bay-window breakfast nook overlooking the Sound, tile flooring throughout, & extensive updates including a full renovation in 2005-2006, plus a new roof, HVAC, & updated plumbing in 2021, & new water heater 2026. The private apartment features its own entrance, balcony, washer and dryer, HVAC, water heater, & security system, making it ideal for extended family, guests, or rental opportunities. A 400 sq. ft. office with a separate entrance provides additional flexibility for a home business, studio, or potential guest suite. Additional features include a concrete safe room, workshop, hurricane shutters, circular driveway, & storage throughout. From boating, fishing, & paddleboarding off your private dock to enjoying spectacular sunrises & sunsets over the Santa Rosa Sound, this is more than a waterfront home--it's a rare opportunity to own a property that offers lifestyle, flexibility, & long-term value. 1.4 miles to Hurlburt Field.

Full Property Details for 1491 W Hwy 98

General

  • Price: $980,000
  • Taxes: $3,920 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 992670
  • Updated: 8/7/2026
  • Added to Site: 232 day(s) ago

Interior

  • Number of Rooms: 11
  • Interior Features: Ceiling Vaulted, Fireplace, Guest Quarters, Lighting Recessed, Pantry, Split Bedroom, Washer/Dryer Hookup
  • Appliances: Dishwasher, Microwave, Range Hood, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Water Heater - Elect
  • Flooring: Floor Tile

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3

Bedrooms

  • Total Bedrooms: 4

Exterior

  • Exterior Features: Dock, Hurricane Shutters, Lawn Pump, Sprinkler System
  • Porch/Patio/Deck: Patio Covered

Parking

  • Garage: Yes
  • Attached garage: Yes
  • Garage Spaces: 2
  • Parking Features: 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 Calypso St. House is on the right.

School Information

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

Heating & Cooling

  • Air Conditioning: Yes
  • Cooling Type: Ceiling Fans
  • Heating/Cooling: Ceiling Fans

Utilities

  • Sewer: Public Sewer
  • Utility Description: Public Water

Structural Information

  • Architectural Style: Traditional
  • Construction: Concrete, Siding CmntFbrHrdBrd, Siding Vinyl, Trim Aluminum
  • Exterior Const.: Concrete, Siding CmntFbrHrdBrd, Siding Vinyl, Trim Aluminum
  • Stories/Levels: 2
  • Square Feet: 2,986
  • Sq. Ft. Source: County PA Records
  • Year Built: 1981

Additional Structures

  • Other Structures: Greenhouse, Workshop

Lot Features

  • Property View: Sound
  • Lot Size (Acres): 0.44
  • Lot Size (Sq. Ft.): 19,166.4
  • Lot Dimensions: 114.7 x 192.76 x 123 x 149.55
  • Frontage: County Road, State Road
  • Street/Road Desc.: Paved
  • Lot Features: Bulkhead/Seawall, Flood Insurance Req
  • Zoning: Resid Single Family

Water Features

  • Water Front: Yes
  • Water Front Type: Intracoastal Wtrwy, Sound

Financial Considerations

  • Tax Amount: $3,920.02
  • Tax Year: 2025

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
  • Property ID: 14-2S-25-0000-0020-0000

Listed by ERA American Real Estate

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— 1491 W Hwy 98 —

  • ERA American Real Estate

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 1491 W Hwy 98

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 ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

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

Date
Details
Price
Change
Source
8/07/2026
Price Reduced
$980,000
-0.51%
MLS
6/08/2026
Price Reduced
$985,000
-1.5%
MLS
5/01/2026
Price Reduced
$1,000,000
-1.96%
MLS
4/13/2026
Price Reduced
$1,020,000
-1.92%
MLS
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

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

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*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Listed by ERA American Real Estate

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1491 W Highway 98, Mary Esther, FL 32569 (MLS# 992670) is a Single Family property with 4 bedrooms and 3 full bathrooms. 1491 W Highway 98 is currently listed for $980,000 and was received on January 12, 2026. Want to learn more about 1491 W Highway 98? 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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