# 1491 W Highway 98, Mary Esther, FL 32569

> **TL;DR:** 4bd/3ba single family, $1,000,000 ($335/sqft), built 1981, 2,986 sqft.
> Fireplace, Waterfront, A/C. Est. $4,333/mo. Listed 140 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $1,000,000 |
| Price/sqft | $335 |
| 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 (Other) |
| Status | For Sale |
| Days on Market | 140 |

## Why This Home Stands Out

- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $4,333 |
| **Total** | **$4,333** |

## Nearby Schools

- **Elementary:** Florosa
- **Middle:** Bruner
- **High:** Fort Walton Beach

## Key Amenities

- Fireplace
- Waterfront
- A/C

## Property Highlights

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

## Description

### Agent 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 & 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.

## Location

- **Address:** 1491 W Highway 98, Mary Esther, FL 32569
- **County:** Okaloosa
- **Neighborhood:** METES & BOUNDS
- **Coordinates:** 30.411305, -86.721232
- **Google Maps:** https://www.google.com/maps?q=30.411305,-86.721232

## Listing Agent

- **Name:** Michelle A Whitaker
- **Brokerage:** ERA American Real Estate
- **Phone:** 8508558551
- **Email:** michelle.whitaker@era-american.com

## Primary Photo

![1491 W Highway 98 - Primary Photo](http://lh.rdcpix.com/ca9173d396fae79a6df00564f8e73723l-f885086317r.jpg)

*79 total photos available on [listing page](https://www.propertysimple.com/listing/1491-w-highway-98-mary-esther-fl-32569-l992670)*

---

**MLS#:** 992670 | **Updated:** 2026-06-19
**Source:** listhub

*Copyright © 2026 Emerald Coast 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-l992670)

---

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