8205 Highway 98 #3, Pt Saint Joe, FL, 32456
About This Home
Experience the ultimate coastal lifestyle with this stunning gulf front townhome located in the highly desirable St. Joe Beach, Beacon Hill, and Mexico Beach area. More than just a home, this property serves as your gateway to living the dream on the Gulf Coast. This townhome features 3 bedrooms & 3.5 bathrooms, offering a generous 2232 sq. ft. of thoughtfully designed living space-making it larger than most units currently available. The top-floor loft provides ample space for a bedroom, sitting room and bunks, perfectly suited for relaxation or accommodating guests. Enjoy direct access to pristine white sand beaches via a private boardwalk through the dunes. The residence includes two spacious decks – one for entertaining and another off the owner's suite-ideal for sunset dinners or morning coffee while taking in the ocean breezes. Large area ground floor complete with outdoor hot and cold shower and enough room for a hot tub. Why St. Joe Beach? You're getting the best of both worlds – the tranquility of a less crowded beach community with easy access to all the amenities you need, and the beaches are pet friendly. The photos are beautiful, but nothing compares to standing on the deck, feeling the Gulf breeze, and imagining your life unfolding in this coastal paradise. If you're ready to take the next step, come and look at the townhome, make it your own to enjoy with your family and friends. See virtual link on listing. Impact windows and doors, private beach walk.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2024
Materials
- Foundation: Pilings,Pre-Stressed Concrete
- Roof: Metal
- Construction materials: HardiPlank Type
Notable Dates
- Major remodel year: 2024
Other
- Builder name: Jerry Warren
Type & Style
- Home type: Townhouse
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Dryer,Washer,Dishwasher,Disposal,Microwave,Refrigerator,Gas Oven,Electric Water Heater
- Laundry features: Washer/Dryer Hookup
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Kitchen Island,Ceiling Fan(s)
- Door features: Insulated Door(s)
- Window features: Insulated Windows
- Flooring: Ceramic Tile
Heating & Cooling
- Heating features: Central Electric
- Cooling features: Attic Fan,Central Electric
Interior Area
- Total structure area: 2,529
- Total interior livable area: 2,232 sqft
Master Bathroom
- Features: Double Vanity,Shower Only,Tile Counters
Master Bedroom
- Features: Master Downstairs
Property
Details
- Parcel number: 03798515R
- Attached to another structure: Yes
- Zoning description: Residential Multi-Family
- Special condition: As Is
Features
- Levels: 3
- Stories: 3
- Patio & porch: Covered Deck,Deck,Other
- Exterior features: Other,Shore Beach,Outdoor Shower
- Has water view: Yes
- Water view: Gulf,Water
- On waterfront: Yes
- Waterfront features: Gulf,Waterfront
- Frontage length: 18
Lot
- Lot size: 5,532 sqft
- Features: Coastal Barrier Zone,Deeded Water Access,Flood Insurance Required,Subdivided
- Lot size dimensions: 18 x 308
Parking
- Total spaces: 2
- Parking features: Driveway
- Has uncovered spaces: 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
- 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 | $7,660 | $91,920 |
| Home Insurance * | $665 | $7,980 |
| Property Taxes | $593 | $7,116 |
| Electricity | $224 | $2,695 |
| Total | $9,142 | $109,704 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-16 | Price change | $1,587,000 |
| 2025-10-29 | Price change | $1,599,000 |
| 2025-08-19 | Listed for sale | $1,620,000 |
| 2025-04-29 | Listing removed | $1,700,000 |
| 2025-03-25 | Price change | $1,700,000 |
| 2025-01-13 | Price change | $1,750,000 |
| 2024-10-04 | Price change | $1,800,000 |
| 2024-07-14 | Price change | $1,850,000 |
| 2024-04-27 | Listed for sale | $1,950,000 |
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