# 1491 W Highway 98, Mary Esther, FL 32569

> **TL;DR:** 4bd/3ba single family, $985,000 ($330/sqft), built 1981, 2,986 sqft.
> Fireplace, Waterfront, A/C. Est. $4,268/mo. Listed 1 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $985,000 |
| Price/sqft | $330 |
| Bedrooms | 4 |
| Bathrooms | 3 full |
| Square Feet | 2,986 |
| Year Built | 1981 |
| Lot Size | 19,166 sqft (0.44 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 1 |

## Why This Home Stands Out

- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $4,268 |
| **Total** | **$4,268** |

## Nearby Schools

- **Elementary:** Local School In County
- **Middle:** LOCAL SCHOOL IN COUNTY
- **High:** Local School In County

## Key Amenities

- Fireplace
- Waterfront
- A/C

## Property Highlights

- Built in 1981
- 0.44 acre lot
- 2 stories
- 2 parking spaces
- Fireplace
- Waterfront

## Description

### Agent Description
Rare opportunities like this don't come along often. Situated on 115 feet of waterfront along the Santa Rosa Sound, this one-of-a-kind property offers the perfect blend of luxury waterfront living, investment potential, & unmatched flexibility. Wake up to breathtaking sunrises, unwind with spectacular sunsets, & spend your days enjoying your private dock with spacious sundeck-ideal for boating, fishing, paddleboarding, or simply taking in the view. Looking for a home that works for you? This property features a 1,200 sq. ft. private apartment above the garage with its own entrance, balcony, washer/dryer, HVAC, water heater, & security system, making it an incredible opportunity for rental income, multigenerational living, a guest retreat, or extended stays. Inside the main home, you'll find water views throughout, a charming bay-window breakfast nook, tile flooring throughout (no carpet), & extensive updates including a full remodel, newer roof, HVAC, plumbing, & appliances for added peace of mind. Need even more flexibility? The 400 sq. ft. office with a separate entrance offers endless possibilities as a home business, studio, private workspace, guest suite, or potential additional bedroom. Additional features include a concrete safe room, workshop, hurricane shutters, circular driveway, & abundant storage throughout the home & apartment. Whether you're searching for a waterfront retreat, investment property, income-producing home, vacation getaway, multigenerational residence, or a place to enjoy the Florida lifestyle while offsetting your mortgage, this exceptional property checks every box. Live on the water. Generate income. Create lasting memories. This isn't just a home-it's an opportunity.

## Location

- **Address:** 1491 W Highway 98, Mary Esther, FL 32569
- **County:** Okaloosa
- **Coordinates:** 30.411368, -86.721256
- **Google Maps:** https://www.google.com/maps?q=30.411368,-86.721256

## Listing Agent

- **Name:** Michelle Whitaker
- **Brokerage:** ERA American Real Estate
- **Phone:** 225 850-515-1001
- **Email:** michelle.whitaker@era-american.com

## Primary Photo

![1491 W Highway 98 - Primary Photo](http://lh.rdcpix.com/4b33f05fdb217aa6c077732b5b4da769l-f2558661920r.jpg)

*42 total photos available on [listing page](https://www.propertysimple.com/listing/1491-w-highway-98-mary-esther-fl-32569-l684123)*

---

**MLS#:** 684123 | **Updated:** 2026-06-18
**Source:** listhub

*Copyright © 2026 Pensacola 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://www.propertysimple.com/listing/1491-w-highway-98-mary-esther-fl-32569-l684123)

---

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