9045 W Highway 98, Port Saint Joe, FL, 32456
About This Home
This is a scarce opportunity to find in the St. Joe Beach/Mexico Beach area. X-Flood Zone Gulf Front Home!!!! Built in 2018 this large 7 bedroom House with private pool is a great rental home investment or personal use. 2022 Gross Rental Income for this home was $275,000. This home has almost 3700 sq. ft. of living space across 3 floors. All Gulf side rooms have balconies where you and your family can enjoy the beautiful sunsets. The home has great size living room, large kitchen with over-sized refrigerator, private pool that is heated and covered, outdoor entertainment area, and an elevator that services all floors. This home is guaranteed to provide your family with memories that will last a lifetime! Do not miss this opportunity.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2018
Materials
- Foundation: Pilings
- Roof: Metal
- Construction materials: Concrete,See Remarks
Type & Style
- Home type: SingleFamily
- Architectural style: Custom,See Remarks
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Washer,Dishwasher,Disposal,Microwave,Self Cleaning Oven,Refrigerator w/Ice Maker
Bedrooms & Bathrooms
- Bedrooms: 7
- Bathrooms: 7
- Full bathrooms: 6
- 1/2 bathrooms: 1
Features
- Breakfast Bar,Kitchen Island,Recessed Lighting,Pantry,See Remarks,Walk-In Closet(s)
Interior Area
- Total structure area: 5,516
- Total interior livable area: 3,608 sqft
Property
Details
- Parcel number: 03774060R
- Zoning description: Residential Single Family
Features
- Levels: 2
- Stories: 2
- Pool features: In Ground,Gunite/Concrete
- Has water view: Yes
- Water view: Gulf,Water
- On waterfront: Yes
- Waterfront features: Gulf
- Frontage length: 48
Lot
- Lot size: 0.33 Acres
- Features: Within 1/2 Mile of Water
- Lot size dimensions: 49 x 302
Parking
- Total spaces: 5
- Parking features: Covered,Other,Under House With Pad
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Lightning
- Coastal Flooding
- Cold Wave
- Heat Wave
- Inland Flooding
- Tornado
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Gulf County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $15,119 | $181,428 |
| Home Insurance * | $1,313 | $15,756 |
| Property Taxes | $2,829 | $33,948 |
| Electricity | $363 | $4,357 |
| Total | $19,624 | $235,488 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-25 | Listed for sale | $2,990,000 |
| 2026-01-06 | Listing removed | $2,990,000 |
| 2025-01-06 | Listed for sale | $2,990,000 |
| 2024-07-29 | Listing removed | $2,990,000 |
| 2024-06-04 | Listed for sale | $2,990,000 |
| 2024-05-14 | Listing removed | $2,990,000 |
| 2024-04-08 | Listed for sale | $2,990,000 |
| 2024-03-17 | Contingent | $3,150,000 |
| 2023-11-14 | Listed for sale | $3,150,000 |
| 2021-12-30 | Sold | $2,200,000 |
| 2021-10-28 | Contingent | $2,400,000 |
| 2021-10-27 | Listed for sale | $2,400,000 |
| 2017-05-01 | Sold | $895,000 |
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