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$1,000,000

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 2,986 Sq. Ft.
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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 & 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.

Full Property Details for 1491 W Hwy 98

General

  • Price: $1,000,000
  • Taxes: $3,920 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 992670
  • Updated: 5/1/2026
  • Added to Site: 138 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

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

Get Pre-Approved

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
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.

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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 $1,000,000 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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