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4 Beds
3 Baths
2,986 sqft

$980,000

1491 W Highway 98, Mary Esther FL, 32569

Price per sqft$328.20
Built in1981
Property size2,986 sqft
Property typeResidential

Overview

Active

Listed Jan 12, 2026

Updated 3 weeks ago

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.

$6,520/mo

Est. mortgage payment based on a $980,000 home price.

All estimates are provided by Luxury Presence for informational purposes only. Actual amounts may vary.

Additional information

MLS® ID
992670

Interior Features

Bedrooms
4
Bathrooms
3
Cooling
Yes
Basement
No

Exterior Features

Lot Size
0.44 Acres

Other Property Details

Taxes
$3,920
Tax Frequency
Annually
Garage
Yes
View
Yes
Waterfront
Yes
MLS provider logo

Courtesy of ERA American Real Estate, 
Listing Contact: 850-855-8551 

IDX information is provided exclusively for consumers’ personal, non-commercial use, and it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Beach House Sales and Development shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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Data last updated 3:50 AM UTC, 9/12/2026

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