1491 W Highway 98, Mary Esther, FL 32569 (MLS# 992670)

Description

SELLER OFFERING $5,000 CREDIT! What if your waterfront home could help pay for itself? This rare opportunity offers 115 feet of shoreline, sweeping water views, & a versatile layout designed for both lifestyle & income potential. Whether you're searching for a primary residence, second home, or investment property, this one delivers. A newly built sundeck (2021) creates the perfect setting for boating, fishing, or sunset evenings on the water. Inside, the main home features tile flooring throughout, a bay-window breakfast nook w/ water views, full renovation in 2005-06 & extensive updates including roof, HVAC, and plumbing in 2021. The standout feature? A private 1,200 sq ft 1-bedroom apartment over the garage w/ its own entrance, balcony, HVAC, water heater, washer/dryer

Supplements: & security system--ideal for long-term tenants, short-term rental income, or extended family. Additional highlights include a 400 sqft office w/ separate entrance (perfect for a home business or guest suite), concrete safe room, workshop, circular driveway, newer appliances (5 yrs or newer), & abundant storage throughout. Live on the water, generate income, & maximize flexibility--all in one unique property.

General Property Info

Sub-Type: Detached Single Family Design: Traditional SqFt Source: County PA Records Immediate Occupancy: No Garage: Yes Carport: No Pool: No Pool Type: None Apx SqFt(Htd/Cooled): 2986 Bedrooms: 4 Full Baths: 3 Total Bathrooms: 3 # Stories: 2 Year Built: 1981 Garage Spaces: 2 Acreage: 0.44

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 334.9 List Date: 2026-01-12 Current Price: $1,000,000 List Price: $1,000,000

Location, Tax and Legal

Sub Area: 1212 - Mary Esther/West of Hurlburt Elementary School: Florosa Middle School: Bruner High School: Fort Walton Beach Legal Description: The West 114.7 ft of the East 700.0 ft of Lot 2, Section 14, Township 2 South, Range 25 West, lying south of the right-of-way of U.S. Hwy 98, Okaloosa county, Florida, and being further described by composite survey dated November, 1980, by Basil J Boles and as shown on said completed survey as the West 114.7 ft to East 700.1 ft of Government Lot 2, South of Hwy 98, Okaloosa County, Florida.

Listing Info, Tax & Legal

Homestead: Yes Is Subject Leased: No Assessment Fees: No New Buyer Fee: No Last Taxes: 3920.02 Last Tax Year: 2025 Brokerage Interest: No Interest As Is: No

Remarks & Misc

Remarks: SELLER OFFERING $5,000 CREDIT! What if your waterfront home could help pay for itself? This rare opportunity offers 115 feet of shoreline, sweeping water views, & a versatile layout designed for both lifestyle & income potential. Whether you're searching for a primary residence, second home, or investment property, this one delivers. A newly built sundeck (2021) creates the perfect setting for boating, fishing, or sunset evenings on the water. Inside, the main home features tile flooring throughout, a bay-window breakfast nook w/ water views, full renovation in 2005-06 & extensive updates including roof, HVAC, and plumbing in 2021. The standout feature? A private 1,200 sq ft 1-bedroom apartment over the garage w/ its own entrance, balcony, HVAC, water heater, washer/dryer

Waterfront

Intracoastal Wtrwy: 1 Sound: 1 Waterfront Feet: 114.7

Construction Status

Construction Complete: 1

Parking Features

Garage Attached: 1 Oversized: 1

Waterview

Intracoastal Waterwy: 1 Sound: 1

Lot/Parcel Access

County Road: 1 Paved Road: 1 State Highway: 1

Lot Features

Bulkhead/Seawall: 1 Flood Insurance Req: 1

Construction/Siding

Concrete: 1 Roof Dimensional Shg: 1 Siding CmntFbrHrdBrd: 1 Siding Vinyl: 1 Trim Aluminum: 1

Utilities

Public Sewer: 1 Public Water: 1

Zoning

Resid Single Family: 1

Exterior

Dock: 1 Greenhouse: 1 Hurricane Shutters: 1 Lawn Pump: 1 Patio Covered: 1 Sprinkler System: 1 Workshop: 1

Interior

Ceiling Vaulted: 1 Fireplace: 1 Floor Tile: 1 Guest Quarters: 1 Lighting Recessed: 1 Pantry: 1 Split Bedroom: 1 Washer/Dryer Hookup: 1 Window Bay: 1 Window Treatmnt Some: 1

Financing

Conventional: 1 FHA: 1

Appliances

Dishwasher: 1 Microwave: 1 Range Hood: 1 Refrigerator W/IceMk: 1 Smoke Detector: 1 Smooth Stovetop Rnge: 1

Energy

AC - 2 or More: 1 Ceiling Fans: 1 Double Pane Windows: 1 Storm Doors: 1 Water Heater - Elect: 1

Mstr Bdrm/Mstr Bath

MBath Cultured Mrble: 1 MBath Tile: 1 MBath Whirlpool: 1 MBed First Floor: 1 MBed Walk-in Closet: 1

Master Bedroom

First: 1 Second: 1

Bedroom

First: 1

Kitchen

First: 1 Second: 1

Living Room

First: 1 Second: 1

Rooms

Bedroom: 1 Dining Area: 1 Dining Room: 1 Kitchen: 1 Living Room: 1 Master Bedroom: 1 Office: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 12 - Fort Walton Beach Street #: 1491 Street Direction: W Street Name: Highway 98 State: FL Zip Code: 32569 County: Okaloosa Project Name/Subdivision: METES & BOUNDS Parcel ID: 14-2S-25-0000-0020-0000

Property Features

Construction Status: Construction Complete Lot Features: Bulkhead/Seawall; Flood Insurance Req Zoning: Resid Single Family Waterfront: Intracoastal Wtrwy; Sound Waterview: Intracoastal Waterwy; Sound Parking Features: Garage Attached; Oversized Exterior: Dock; Greenhouse; Hurricane Shutters; Lawn Pump; Patio Covered; Sprinkler System; Workshop Interior: Ceiling Vaulted; Fireplace; Floor Tile; Guest Quarters; Lighting Recessed; Pantry; Split Bedroom; Washer/Dryer Hookup; Window Bay; Window Treatmnt Some Appliances: Dishwasher; Microwave; Range Hood; Refrigerator W/IceMk; Smoke Detector; Smooth Stovetop Rnge Utilities: Public Sewer; Public Water Energy: AC - 2 or More; Ceiling Fans; Double Pane Windows; Storm Doors; Water Heater - Elect Master Bedroom: First; Second Bedroom: First Kitchen: First; Second Living Room: First; Second Rooms: Bedroom; Dining Area; Dining Room; Kitchen; Living Room; Master Bedroom; Office Financing: Conventional; FHA

Room Information

Living Room Level: First Dimensions: 14 x 18 Length: 14.00 Width: 18.00 Dimensions: 14 x 18 Dining Room Level: First Dimensions: 14 x 15 Length: 14.00 Width: 15.00 Dimensions: 14 x 15 Kitchen Level: First Dimensions: 14 x 9 Length: 14.00 Width: 9.00 Dimensions: 14 x 9 Master Bedroom Level: First Dimensions: 16 x 11 Length: 16.00 Width: 11.00 Dimensions: 16 x 11 Bedroom Level: First Dimensions: 13 x 17 Length: 13.00 Width: 17.00 Dimensions: 13 x 17 Bedroom Level: First Dimensions: 16 x 11 Length: 16.00 Width: 11.00 Dimensions: 16 x 11 Office Level: First Dimensions: 14 x 19 Length: 14.00 Width: 19.00 Remarks: Could be used at 4th bedroom Dimensions: 14 x 19 Master Bedroom Level: Second Dimensions: 12 x 23 Length: 12.00 Width: 23.00 Remarks: Apartment Dimensions: 12 x 23 Living Room Level: Second Dimensions: 12 x 24 Length: 12.00 Width: 24.00 Remarks: Apartment Dimensions: 12 x 24 Dining Area Level: Second Dimensions: 8 x 8 Length: 8.00 Width: 8.00 Remarks: Apartment Dimensions: 8 x 8 Kitchen Level: Second Dimensions: 8 x 16 Length: 8.00 Width: 16.00 Remarks: Apartment Dimensions: 8 x 16