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244 Watermark Way, Port Saint Joe, FL, 32456

2beds
2baths
1,584sqft
$659,000
$416price/sqft
$4,464/moest. monthly cost
$178,560/yrincome needed

About This Home

Tucked away from the hustle and bustle yet offering an incredible Bay view, this beautifully designed 2-bedroom, 2-bathroom home delivers the best of coastal living. Located on Old Highway 98 at the end of a quiet cul-de-sac, this home enjoys a peaceful setting after the roadway was rerouted during the development of Windmark Beach. Inside, the open-concept layout is thoughtfully designed with calming coastal colors and dcor, creating a relaxed beachside atmosphere while maximizing every inch of space. The well-sized kitchen allows you to comfortably entertain while cooking, staying connected to guests, whether they're gathered in the dining area or living room. Each bedroom offers ample space and its own ensuite bathroom, providing privacy and comfort for both owners and guests. Step outside and let the setting truly shine. The expansive front porch stretching the length of the home is the perfect place to enjoy your morning coffee while watching the sunrise over the Bay. On the side of the home, a screened porch offers an ideal spot to unwind and take in breathtaking sunsets without worrying about the elements. The large yard adds even more appeal, offering plenty of room for additional guest parking or storing a boat—an invaluable feature for coastal living. Just a short walk away, you'll find Windmark Beach, where a scenic 2.5-mile walking and biking path invites you to stroll, bike, or run along the shoreline. Enjoy the convenience of nearby entertainment and restaurants in Windmark Beach, or take advantage of being less than a 10-minute drive to downtown Port St. Joe. With its desirable location, Bay views, and versatile space, this home is perfectly suited as a primary residence, second home, or investment opportunity on the Forgotten Coast.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

4/10
4/10
Port St. Joe High SchoolGrades 7-126.1 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1974

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2015

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Refrigerator
  • Laundry features: Washer/Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Bar,Pantry
  • Window features: Window Treatments

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 2,845
  • Total interior livable area: 1,584 sqft

Master Bathroom

  • Features: Shower Only,Tile Counters

Master Bedroom

  • Features: Blinds,Master Downstairs

Property

Details

  • Parcel number: 04255050R
  • Zoning description: Residential Single Family
  • Special condition: As Is
  • Exclusions: Furnishings negotiable - an exclusions list will be provided if needed.

Features

  • Levels: 1
  • Stories: 1
  • Patio & porch: Front Porch
  • Exterior features: Barbecue,Outdoor Shower
  • Has water view: Yes
  • Water view: 1st Tier Gulf,Gulf

Lot

  • Lot size: 10,018 sqft
  • Features: Aerials/Topo Available,Flood Insurance Required,Subdivided,Survey Available,Within 1/2 Mile of Water
  • Lot size dimensions: 90 x 108

Parking

  • Total spaces: 4
  • 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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Gulf 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 $3,332$39,984
Home Insurance *$289$3,468
Property Taxes $646$7,752
Electricity $197$2,366
Total$4,464$53,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,051/yr
40% on housing$133,920/yr
45% on housing$119,040/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 14.7%
14.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$416This listing

vs Other Active Listings

Avg $/sqft

ZIP 32456$379
Gulf County$302

vs Homes Sold Last Month

Median $/sqft

ZIP 32456
Gulf County$240

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
2026-04-20Price change$659,000
2025-12-15Listed for sale$689,900
2020-12-21Sold$437,500
2020-11-06Pending sale$439,000
2020-09-26Price change$439,000
2020-08-19Price change$449,000
2020-07-09Listed for sale$499,000
2020-01-03Listing removed$499,000
2019-08-26Price change$499,000
2019-01-02Listed for sale$549,000
2018-06-01Sold$270,000
2018-05-31Listed for sale$299,000
2018-05-31Pending sale$299,000
2018-03-15Price change$299,000
2016-05-26Listed for sale$399,000

For Sale by Agent

AgentLisa Forehand
BrokerageBeach Properties Real Estate Group

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