1491 W Highway 98, Mary Esther, FL 32569

• 4 beds |
• 3 baths |
• 2,986 sqft

Property Description

SELLER OFFERING $5000 CREDIT! 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.

Listing Status:

Active

Date Added:

January 12, 2026

Data Last Updated:

April 5, 2026 at 8:22PM

Listing Office:

ERA American Real Estate : 850-651-2454

Listing Agent:

Michelle A Whitaker : 850-855-8551

MLS ID:

992670

Interior

• General: Vaulted Ceiling(s)FireplaceIn-Law FloorplanRecessed LightingPantrySplit BedroomWasher/Dryer Hookup
• Appliances: DishwasherMicrowaveRange HoodElectric Water Heater
• Flooring: Tile
• A/C: Ceiling Fan(s)

Exterior

• General: DockHurricane ShuttersLawn PumpSprinkler System
• Style: Traditional
• Parking: Oversized

Construction

• Windows: Double Pane WindowsWindow TreatmentsWindow Bay
• General: ConcreteSiding VinylTrim AluminumSiding CmntFbrHrdBrd2

Location

• Road/Access: County RoadState Road
• Originating MLS: Emerald Coast Association of REALTORS®
• County: Okaloosa

Lot

• Zoning: Resid Single Family14-2S-25-0000-0020-0000
• View: Intracoastal WaterwySound

Utilities

• Water: 0

Financial

• Source: Emerald Coast Association of REALTORS®