1491 W Highway 98 Mary Esther, FL 32569
Listing Courtesy of: EMERALD COAST / ERA American Real Estate / Michelle Whitaker

  1491 W Highway 98 Mary Esther, FL 32569

Active
$1,040,000 (USD)
4
BED
3
BATH
2,986
SQFT

Description

Exceptional waterfront opportunity with 115 feet of beach shoreline and beautiful water views throughout this thoughtfully updated property. A new dock featuring a spacious sundeck invites you to relax, fish, or entertain while taking in the scenery. This home also features a 1200 sqft 1-bed, 1-bath apartment over the garage, offering excellent income-producing potential. Inside, the kitchen features a cozy breakfast nook with a bay window perfectly positioned to capture the water view, and tile flooring runs throughout the home—no carpet. The home underwent a full remodel in 2005-2006, including sheetrock, insulation, electrical, windows, doors, and flooring. Major updates continue with a new roof and HVAC in 2021, and plumbing relocated to the walls and attic in 2021. Newer appliances include a very quiet dishwasher and a brand-new microwave. A concrete safe room adds exceptional storm protection and security. A spacious 400 sq ft office with a separate entrance offers flexibility for a home business, guest suite, or potential 5th bedroom, with its own closet, handicap-accessible design, and the ability to add a bathroom. Storage is abundant throughout both the main home and the apartment. The upstairs apartment, built in 2008, features a private entrance, its own water heater (2008), HVAC (2021), exterior-vented hood, washer and dryer, and independent security system. Step out onto the private balcony and enjoy sweeping views of the sound, making this space especially appealing for guests or tenants. A circular driveway offers ample parking, hurricane shutters and a security system added peace of mind. A workshop is also included. This versatile waterfront property offers stunning views, flexible living options, and strong investment potential all in one exceptional setting.

MLS #:
992670
Taxes
$3,920(2025)
Lot Size
0.44 acres
Type
Single-Family Home
Year Built
2008
Style
Traditional
Views
Sound
County
Okaloosa County

Listed By

Michelle Whitaker, ERA American Real Estate
Source
EMERALD COAST
Last checked Jan 12 2026 at 10:11 PM GMT+0000
Bathroom Details
  • Full Bathrooms: 3
Interior Features
  • Ceiling Vaulted
  • Fireplace
  • Washer/Dryer Hookup
  • Guest Quarters
  • Pantry
  • Lighting Recessed
  • Split Bedroom
Kitchen
  • Dishwasher
  • Microwave
  • Range Hood
  • Smoke Detector
  • Smooth Stovetop Rnge
  • Refrigerator W/Icemk
  • Water Heater - Elect
Subdivision
  • Metes & Bounds
Lot Information
  • Flood Insurance Req
  • Bulkhead/Seawall
Property Features
  • Fireplace: Fireplace
Heating and Cooling
  • Ceiling Fans
Utility Information
  • Utilities: Public Water
School Information
  • Elementary School: Florosa
  • Middle School: Bruner
  • High School: Fort Walton Beach
Parking
  • Oversized
Stories
  • 2
Location
   
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Disclaimer: Information deemed reliable but not guaranteed. The information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. © 2026 Emerald Coast Association of REALTORS Last Updated: 1/12/26 14:11
Vendor Number:29098