8622 Highway 98, Pt Saint Joe, FL, 32456
About This Home
Perched on a hilltop overlooking the Gulf on Florida's Forgotten Coast, this custom-built coastal home offers rare privacy, space & exceptional views in St. Joe Beach. Never rented and meticulously maintained by its original owner, the property blends the warmth of a primary residence with outstanding investment potential. Situated on an expansive .573-acre parcel directly across from the Gulf, the home features unusually large front and back yards for a beach property, including a backyard approximately 100x60 feet. W/ no flood zone concerns, no HOA, low unincorporated taxes & abundant parking for boats, RVs, & guests, the property also offers room for future expansion. The outdoor living area creates a true resort-style setting w/ a private inground pool, brick paver deck, lush mature landscaping, outdoor shower & nearby tiled pool bath. A charming pool house includes electricity fan, refrigerator & sink—ideal as a pool lounge, workspace, or storage. Designed for comfort and accessibility, all floors are accessible by elevator or interior staircase. The 3rd floor features an open-concept living, kitchen, & dining area w/ elevated Gulf views, gas fireplace, oversized pantry, and a spacious 30x12 Gulf-facing porch. Two guest bedrooms & a full bath complete the level, w/ one bedroom offering a private balcony overlooking the water. The second floor includes a spacious Gulf-front primary suite w/ dual vanities, tiled shower, walk-in closet, and a large bonus room perfect for an office, gym, nursery, or additional sleeping space. Both rooms open to a screened Gulf-view porch with gas and water hookups. A private guest suite with en suite bath & a custom built-in laundry area complete the floor. The ground level offers a formal foyer, elevator & 2 oversized enclosed garage bays w/ extra storage, including space for a golf cart and direct pool access. Located by Veterans Memorial Park w/ beach access, pickleball courts, dog park. Virtual tour available.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2014
Materials
- Foundation: Slab,On Grade
- Roof: Metal
- Construction materials: Frame,Vinyl Siding
Notable Dates
- Major remodel year: 2015
Type & Style
- Home type: SingleFamily
- Architectural style: Beach House,Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Refrigerator,Wine Refrigerator
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Elevator,Kitchen Island,Pantry
- Window features: Double Pane Windows,Insulated Windows,Window Treatments
- Flooring: Hardwood,Tile
- Fireplace: Yes
Heating
- Heating features: Heat Pump,Fireplace(s)
Interior Area
- Total structure area: 4,584
- Total interior livable area: 2,854 sqft
Master Bathroom
- Features: Double Vanity,Shower Only,Tile Counters
Master Bedroom
- Features: Sitting Area
Property
Details
- Parcel number: 03805006R
- Zoning description: Residential Single Family
Features
- Levels: 2
- Stories: 3
- Pool features: Fiberglass,In Ground
- Patio & porch: Covered Deck,Enclosed Deck
- Exterior features: Barbecue,Columns,Outdoor Shower,Balcony
- Fencing: Back Yard,Partial
- Has water view: Yes
- Water view: Gulf,Water
Lot
- Lot size: 0.58 Acres
- Features: Improved Lot,Level,Sidewalks,Within 1/2 Mile of Water,Landscaped,Sprinkler System
- Lot size dimensions: 100.5 x 248
Parking
- Total spaces: 10
- Parking features: Driveway,Garage Attached,Golf Cart-Enclosed
- Has garage: Yes
- 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 | $6,821 | $81,852 |
| Home Insurance * | $592 | $7,104 |
| Property Taxes | $528 | $6,336 |
| Electricity | $287 | $3,446 |
| Total | $8,228 | $98,736 |
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 |
|---|---|---|
| 2026-05-08 | Listed for sale | $1,349,000 |
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