About This Home

This 4-bedroom, 3-bathroom single family at 1491 W Highway 98 in Mary Esther, FL is listed for $980,000 ($328 per sqft). Built in 1981, the home offers 2,986 sqft of living space on a 0.44 acres lot.

Key Features

  • Built in 1981
  • 0.44 acre lot
  • 2 stories
  • 2 parking spaces
  • Fireplace
  • Waterfront

Property Details

2 stories
3 full
2-car garage
1981

Amenities

FireplaceWaterfrontA/C
Listing Description

Rare **Santa Rosa Sound waterfront opportunity** with **115 feet of waterfront**, a private dock with sundeck, and a **separate 1,200 sq. ft. apartment above the garage** offering outstanding flexibility for rental income, extended family, guests, or multigenerational living.

Whether you're searching for a primary residence, second home, waterfront retreat, or investment property, this home offers options that are hard to find. The main residence features beautiful water views, a bay-window breakfast nook overlooking the Sound, tile flooring throughout, and major updates including a 2021 roof, HVAC, and plumbing, plus a new water heater in 2026.

The private apartment has its own entrance, balcony, washer/dryer, HVAC, water heater, and security system, allowing it to function independently from the main home. Additional features include a **400 sq. ft. office with separate entrance**, concrete safe room, workshop, hurricane shutters, circular driveway, and abundant storage.

Enjoy boating, fishing, paddleboarding, sunrises, and sunsets from your own waterfront property. Located approximately **1.4 miles from Hurlburt Field**, this property combines waterfront living, income potential, and flexible space in one unique package.

Monthly Cost Estimate

$5,241/mo

20% down · 6.5% · 30 years

Principal$709
Interest$4,247
Insurance$286

Estimates only. Actual payments may vary.

Location

1491 W Highway 98

Mary Esther, FL 32569

METES & BOUNDS

Features & Amenities

Interior Features

Ceiling VaultedFireplaceGuest QuartersLighting RecessedPantrySplit BedroomWasher/Dryer Hookup

Exterior Features

DockHurricane ShuttersLawn PumpSprinkler System

Property Details

Flooring

Tile

Construction

Concrete Siding CmntFbrHrdBrd Siding Vinyl Trim Aluminum

Outdoor Features

Patio

Parking

Oversize

Appliances

DishwasherMicrowaveRange HoodRefrigerator W/IceMkSmoke DetectorSmooth Stovetop RngeWater Heater - Elect

Questions & Answers

This 4-bedroom, 3-bathroom single family at 1491 W Highway 98 is listed at $980,000 ($328/sqft). The estimated monthly payment is $5,241 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1981, 0.44 acre lot, 2 stories, 2 parking spaces, Fireplace, Waterfront. Interior Features: Ceiling Vaulted, Fireplace, Guest Quarters. Exterior Features: Dock, Hurricane Shutters, Lawn Pump.

This property is listed by Michelle A Whitaker.

MW

Michelle A Whitaker

License 3431337

Agent at ERA American Real Estate

Listed by ERA American Real Estate · Broker phone: (850) 651-2454 · View on Broker Site · Broker website

MLS# 992670· Source: Emerald Coast Association of Realtors· 288 days on PropertySimple

Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

1491 W Highway 98, Mary Esther, FL 32569

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