# 1491 W Highway 98, Mary Esther, FL 32569 > **TL;DR:** 4bd/3ba single family, $980,000 ($328/sqft), built 1981, 2,986 sqft. > Fireplace, Waterfront, A/C, 2-car garage. Est. $5,241/mo. Listed 289 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $980,000 | | Price/sqft | $328 | | Bedrooms | 4 | | Bathrooms | 3 full | | Square Feet | 2,986 | | Year Built | 1981 | | Lot Size | 19,166 sqft (0.44 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 289 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $4,955 | | Estimated Insurance | $286 | | **Total** | **$5,241** | ## Nearby Schools - **Elementary:** Florosa - **Middle:** Bruner - **High:** Fort Walton Beach ## Key Amenities - Fireplace - Waterfront - A/C - 2-car garage ## Property Highlights - Built in 1981 - 0.44 acre lot - 2 stories - 2 parking spaces - Fireplace - Waterfront ## Description ### Agent 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. ## Location - **Address:** 1491 W Highway 98, Mary Esther, FL 32569 - **County:** Okaloosa - **Neighborhood:** METES & BOUNDS - **Coordinates:** 30.411305, -86.721232 - **Google Maps:** https://www.google.com/maps?q=30.411305,-86.721232 ## Virtual Tour & Media - **Video Tour:** https://www.zillow.com/homedetails/1491-W-Highway-98-Mary-Esther-FL-32569/46002633_zpid/?view=public ## Listing Agent - **Name:** Michelle A Whitaker · **License:** 3431337 - **Brokerage:** ERA American Real Estate - **Broker Phone:** (850) 651-2454 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1491-W-Highway-98_Mary-Esther_FL_32569_M60397-06137?f=listhub&s=ECARMLSFL&m=992670&c=propsimple) ## Photos ![1491 W Highway 98 - Photo 1](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f1614932617r.jpg) ![1491 W Highway 98 - Photo 2](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f1912298529r.jpg) ![1491 W Highway 98 - Photo 3](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f1006992619r.jpg) ![1491 W Highway 98 - Photo 4](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f2060452469r.jpg) ![1491 W Highway 98 - Photo 5](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f329963842r.jpg) ![1491 W Highway 98 - Photo 6](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f410437564r.jpg) ![1491 W Highway 98 - Photo 7](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f761118865r.jpg) ![1491 W Highway 98 - Photo 8](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f689666477r.jpg) ![1491 W Highway 98 - Photo 9](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f218802313r.jpg) ![1491 W Highway 98 - Photo 10](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f3662697260r.jpg) ![1491 W Highway 98 - Photo 11](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f959611109r.jpg) ![1491 W Highway 98 - 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Photo 62](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f236401550r.jpg) ![1491 W Highway 98 - Photo 63](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f1850741936r.jpg) ![1491 W Highway 98 - Photo 64](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f3705801933r.jpg) ![1491 W Highway 98 - Photo 65](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f3484574237r.jpg) ![1491 W Highway 98 - Photo 66](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f1695910491r.jpg) ![1491 W Highway 98 - Photo 67](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f4186942184r.jpg) ![1491 W Highway 98 - Photo 68](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f3608738234r.jpg) ![1491 W Highway 98 - Photo 69](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f2340181188r.jpg) ![1491 W Highway 98 - Photo 70](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f1271635605r.jpg) ![1491 W Highway 98 - Photo 71](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f3220099037r.jpg) ![1491 W Highway 98 - Photo 72](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f1449614836r.jpg) ![1491 W Highway 98 - Photo 73](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f950597715r.jpg) ![1491 W Highway 98 - Photo 74](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f2094734806r.jpg) ![1491 W Highway 98 - Photo 75](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f415273794r.jpg) ![1491 W Highway 98 - Photo 76](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f3901179204r.jpg) ![1491 W Highway 98 - Photo 77](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f885086317r.jpg) --- **MLS#:** 992670 | **Updated:** 2026-10-26 **Source:** listhub *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.* [View on PropertySimple](https://staging.propertysimple.ai/listing/1491-w-highway-98-mary-esther-fl-32569-fa35fda598ea4454850311fbc200633a) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/1491-w-highway-98-mary-esther-fl-32569-fa35fda598ea4454850311fbc200633a#listing", "url": "https://staging.propertysimple.ai/listing/1491-w-highway-98-mary-esther-fl-32569-fa35fda598ea4454850311fbc200633a", "name": "1491 W Highway 98, Mary Esther, FL 32569", "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.", "image": [ "http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f1614932617r.jpg", "http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f1912298529r.jpg", "http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f1006992619r.jpg", "http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f2060452469r.jpg", "http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f329963842r.jpg", "http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f410437564r.jpg", "http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f761118865r.jpg", "http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f689666477r.jpg", "http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f218802313r.jpg", "http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f3662697260r.jpg", "http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f959611109r.jpg", 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