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$749,900 Just Listed

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 2 Full Baths
  • 1 Partial Bath
  • Updated 8 hours ago
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GULF & CANAL VIEWS + PROVEN RENTAL HISTORY! Discover a standout coastal investment in the gated community of Cottages at Waterside Village in Mexico Beach. Offering the rare combination of Gulf and canal views, this 4-bedroom, 2.5-bath beach home pairs an inviting coastal atmosphere with a successful vacation rental history generating $115,000 in proven rental income. Whether you're looking to expand your investment portfolio or own a beach retreat that can welcome family, friends, and vacation guests, this property offers plenty to appreciate. Designed for relaxed coastal living, the home features an open layout with abundant windows, a spacious kitchen with breakfast bar, and a comfortable living area suited for gathering after a day at the beach. Upstairs, private balconies provide two distinct perspectives of the surrounding coastline and canal, while the flexible loft offers additional sleeping space or room to create a game room, media lounge, or work-from-home retreat. The appeal extends beyond the home itself. Enjoy a community pool, hot tub, and a shared elevated waterfront boardwalk leading to a canal-side deck with day-docking access. With the beach just a short stroll away and the laid-back charm of Mexico Beach all around, this property delivers an appealing blend of coastal lifestyle, flexible accommodations, and established rental performance.

Full Property Details for 3224 Hwy 98

General

  • Price: $749,900
  • HOA FEE: $300/month
  • HOA FEE FREQ.: Quarterly
  • Taxes: $9,243 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 796839
  • Updated: 10/21/2026
  • Added to Site: 1 day(s) ago

Interior

  • Number of Rooms: 6
  • Interior Features: Balcony, Double Vanity, Upper Level Primary
  • Appliances: Electric Oven, Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 2
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 4

Additional Information

  • Shared Amenities: Other, See Remarks
  • Pool: Yes
  • Pool Description: Community
  • Spa Description: Community
  • Security/Safety: Gated Community

Exterior

  • Exterior Features: Covered Patio
  • Porch/Patio/Deck: Balcony, Deck

Parking

  • Garage: Yes
  • Garage Spaces: 1
  • Parking Features: Additional Parking, Garage, Garage Door Opener

Location

  • County: Bay
  • Subdivision: Waterside Village
  • Driving Directions: From Panama City, take US-98 East into Mexico Beach. The property will be on the left (north side of Hwy 98) at 3224 Hwy 98 in Cottages at Waterside Village.

School Information

  • Elementary School: Port St. Joe
  • Middle School: Port St. Joe
  • High School: Port St. Joe

Community

  • Community Name: 05 - Bay County - East
  • Association: Yes
  • Assoc. Fees Include: Association Management, Legal/Accounting, Other, Recreation Facilities, See Remarks

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Ceiling Fan(s)
  • Heating Type: Central, Electric

Utilities

  • Sewer: Public Sewer
  • Utility Description: Electricity Available

Structural Information

  • Architectural Style: Coastal
  • Construction: HardiPlank Type
  • Roof: Metal
  • Windows: Double Pane Windows
  • Stories/Levels: 3
  • Sq. Ft. Source: Appraiser
  • Year Built: 2006

Lot Features

  • Property View: Canal, Gulf, Water
  • Lot Dimensions: 0 x 0
  • Lot Features: Paved
  • Zoning: Resid Single Family

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: Canal Access
  • Water Front View: Canal Access

Financial Considerations

  • Association Fee: $900
  • Assoc Fee Freq.: Quarterly
  • Tax Amount: $9,243.17
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: MEXICO BEACH UNIT 6 235C2 COM MOST NLY COR OF LOT 7, BLK 4, TH NELY 15.01' TH SELY 171.98' TH SWLY 21.39' TO POB. TH SELY 25.20' TH SWLY 66.20' TH NWLY 18.20' TH NELY 22.00' TH NWLY 7.00' TH NELY 44.20' TO POB. AKA UNIT NO. 3224 (LOT 6, COTTAGES AT WATERSIDE VILLAGE) ORB 4723 P 1972
  • Property ID: 04685-030-000

Listed by EXP Realty LLC

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Listing agent

— 3224 Hwy 98 —

  • EXP Realty 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

Schools serving 3224 Hwy 98

School District:Bay County School District
NameGradesDistance
Tyndall Elementary School
7800 Tyndall Pkwy, Tyndall Air Force Base, FL 32403
PK-814.6 mi
Rutherford High School
1000 School Avenue, Panama City, FL 32401
6-818.9 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 3224 Hwy 98 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
10/21/2026
Listed
$749,900
10.28%
MLS
8/18/2023
Sold
$680,000
—
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 3224 Hwy 98

Year
Property Taxes
Change
Tax Assessment
Change
2025
$9,628
2%
$592,733
5%
2024
$9,470
6%
$566,423
9%
2023
$8,942
9%
$521,626
6%
2022
$8,203
63%
$492,168
71%
2021
$5,029
—
$287,173
2%
2021
$5,029
44%
$281,136
50%
2019
$3,481
-24%
$187,000
-28%
2018
$4,568
8%
$261,311
1%
2017
$4,244
-1%
$259,377
-1%
2016
$4,304
9%
$261,332
11%
2015
$3,943
-1%
$235,823
-1%
2014
$3,996
12%
$237,778
4%
2013
$3,578
—
$228,898
—
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 3224 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 EXP Realty LLC

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3224 Highway 98, Mexico Beach, FL 32456 (MLS# 796839) is a Single Family property with 4 bedrooms, 2 full bathrooms and 1 partial bathroom. 3224 Highway 98 is currently listed for $749,900 and was received on October 21, 2026. Want to learn more about 3224 Highway 98? Do you have questions about finding other Single Family real estate for sale in Mexico Beach? You can browse all Mexico Beach real estate or contact a Coldwell Banker agent to request more information.

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