# 198 E Water Street, Inlet Beach, FL 32461

> **TL;DR:** 4bd/5ba single family, $3,749,500 ($1426/sqft), built 2012, 2,629 sqft.
> Fireplace, A/C. Est. $21,646/mo. Listed 52 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $3,749,500 |
| Price/sqft | $1426 |
| Bedrooms | 4 |
| Bathrooms | 4 full, 1 half |
| Square Feet | 2,629 |
| Year Built | 2012 |
| Lot Size | 2,614 sqft (0.06 acres) |
| Stories | 3 |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 52 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $18,960 |
| Estimated Insurance | $1,094 |
| HOA | $1,592 |
| **Total** | **$21,646** |

## Nearby Schools

- **Elementary:** Dune Lakes
- **Middle:** Seaside
- **High:** South Walton

## Key Amenities

- Fireplace
- A/C

## Property Highlights

- Built in 2012
- 0.06 acre lot
- 3 stories
- 4 parking spaces
- Fireplace

## Description

### Agent Description
Welcome home to this beautifully refreshed cottage and carriage house in the heart of Rosemary Beach, where timeless coastal charm meets effortless 30A living. Thoughtfully updated, the main residence features freshly painted interiors, brand-new countertops, refreshed appliances, and a bright, open-concept living and kitchen area designed for gathering with family and friends. Offering three bedrooms and three-and-a-half baths in the main cottage, along with a separate one-bedroom, one-bath carriage house, the property provides a versatile layout with plenty of space for family and guests. Step outside to your own private retreat, where a heated pool surrounded by lush tropical landscaping creates an inviting setting for relaxing afternoons, outdoor entertaining, and evenings after a day at the beach. Ideally located just moments from the beautiful beaches and emerald waters of the Gulf, along with Rosemary Beach's boutique shopping, acclaimed dining, and charming town center, this home places the best of the community right outside your door. Whether enjoyed as a second home, vacation retreat, or investment property, this refreshed Rosemary Beach cottage offers an exceptional opportunity to own and enjoy a special piece of one of 30A's most sought-after communities.

## Location

- **Address:** 198 E Water Street, Inlet Beach, FL 32461
- **County:** Walton
- **Neighborhood:** ROSEMARY BEACH
- **Coordinates:** 30.279984, -86.013598
- **Google Maps:** https://www.google.com/maps?q=30.279984,-86.013598

## Listing Agent

- **Name:** Stephen M McGrath · **License:** 3509938
- **Brokerage:** Rosemary Beach Realty, Inc.
- **Phone:** 6155944557
- **Broker Phone:** (850) 278-2000
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/198-E-Water-St_Inlet-Beach_FL_32461_M51103-07805?f=listhub&s=ECARMLSFL&m=1008286&c=propsimple)

## Photos

![198 E Water Street - Photo 1](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f1396700934r.jpg)

![198 E Water Street - Photo 2](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f690286759r.jpg)

![198 E Water Street - Photo 3](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f816348069r.jpg)

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![198 E Water Street - Photo 32](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f3688533102r.jpg)

![198 E Water Street - Photo 33](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f1366980142r.jpg)

![198 E Water Street - Photo 34](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f453591227r.jpg)

![198 E Water Street - Photo 35](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f307325912r.jpg)

![198 E Water Street - Photo 36](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f4053836611r.jpg)

![198 E Water Street - Photo 37](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f2640126331r.jpg)

![198 E Water Street - Photo 38](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f2751018134r.jpg)

![198 E Water Street - Photo 39](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f4272430781r.jpg)

![198 E Water Street - Photo 40](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f2780509715r.jpg)

![198 E Water Street - Photo 41](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f3985475103r.jpg)

![198 E Water Street - Photo 42](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f280508245r.jpg)

![198 E Water Street - Photo 43](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f48391972r.jpg)

![198 E Water Street - Photo 44](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f2385460287r.jpg)

![198 E Water Street - Photo 45](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f1329630695r.jpg)

![198 E Water Street - Photo 46](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f1674766812r.jpg)

![198 E Water Street - Photo 47](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f2753965816r.jpg)

![198 E Water Street - Photo 48](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f2697052694r.jpg)

![198 E Water Street - Photo 49](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f580352618r.jpg)

![198 E Water Street - Photo 50](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f1213690824r.jpg)

![198 E Water Street - Photo 51](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f505844519r.jpg)

![198 E Water Street - Photo 52](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f3030247915r.jpg)

![198 E Water Street - Photo 53](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f1249564464r.jpg)

![198 E Water Street - Photo 54](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f848376459r.jpg)

![198 E Water Street - Photo 55](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f3199041123r.jpg)

![198 E Water Street - Photo 56](http://lh.rdcpix.com/532c4879813feb2b38e0b1094d29b584l-f3159135056r.jpg)

---

**MLS#:** 1008286 | **Updated:** 2026-09-12
**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.ai/listing/198-e-water-street-inlet-beach-fl-32461-1008286)

---

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