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98 Star Dr, Fort Walton Beach, FL, 32547

4beds
3baths
2,634sqft
$699,900
$266price/sqft
$4,827/moest. monthly cost
$193,080/yrincome needed

About This Home

This well-maintained home offers a functional layout with 4 bedrooms, 3 full bathrooms, and a 2-car garage, featuring over 2,500 square feet of living space. The open-concept design provides a seamless connection between the living, dining, and kitchen areas. Interior features include luxury vinyl plank flooring, trey ceilings, and contemporary tile finishes in the bathrooms. The primary suite includes a spacious bedroom and en-suite bath. Exterior highlights include a fully fenced backyard and a layout suitable for outdoor use and entertaining. Located in Fort Walton Beach with convenient access to major roadways, shopping, dining, Eglin Air Force Base, and Hurlburt Field. Approximately a 20-minute drive to the beach.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

3/10
Kenwood Elementary SchoolGrades PK-50.7 mi
5/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2020

Materials

  • Foundation: Slab
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedroom

  • Level: First
  • Area: 170.28
  • Dimensions: 12.9 x 13.2

Bedroom

  • Level: First
  • Area: 178.2
  • Dimensions: 13.5 x 13.2

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Crown Molding,Vaulted Ceiling(s),Kitchen Island
  • Window features: Storm Window(s)
  • Common walls with other units/homes: No Common Walls

Garage

  • Level: First
  • Area: 526.68
  • Dimensions: 23.1 x 22.8

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 2,634
  • Total interior livable area: 2,634 sqft

Living Room

  • Level: First
  • Area: 428.8
  • Dimensions: 26.8 x 16

Master Bathroom

  • Level: First
  • Area: 124.67
  • Dimensions: 9.1 x 13.7

Master Bedroom

  • Level: First
  • Area: 251.943
  • Dimensions: 18.4 x 13.7

Property

Details

  • Parcel number: 251S241570000G0010
  • Zoning description: Resid Single Family

Features

  • Stories: 1
  • Exterior features: Private Yard,Lawn Pump,Sprinkler System
  • Fencing: Privacy

Lot

  • Lot size: 9,583 sqft
  • Lot size dimensions: 65 x 129

Parking

  • Parking features: Garage
  • Has garage: Yes

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

  • Lightning
    LightningVery High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
Heat Wave
Tornado
Tsunami

FEMA Declared Disasters in Okaloosa County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $3,539$42,468
Home Insurance *$324$3,888
Property Taxes $699$8,388
Electricity $265$3,180
Total$4,827$57,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$165,497/yr
40% on housing$144,810/yr
45% on housing$128,720/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$266This listing

vs Other Active Listings

Avg $/sqft

ZIP 32547$185
Okaloosa County$262

vs Homes Sold Last Month

Median $/sqft

ZIP 32547$216
Okaloosa County$205

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

DateEventPrice
2026-05-01Listed for sale$729,687
2023-06-27Listing removed--
2023-06-25Price change$2,900
2023-06-10Listed for rent$3,295
2019-07-19Sold$126,428

For Sale by Agent

AgentMystie Schmitz
BrokerageAXEN Realty LLC

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