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1409 W Highway 98 APT 202, Mary Esther, FL, 32569

3beds
3baths
1,534sqft
$399,000
$260price/sqft
$2,611/moest. monthly cost
$104,440/yrincome needed

About This Home

Sunsets, sunsets and more perfect sunsets!! Welcome to this beautiful waterfront getaway. This 3 Bed 2.5 Bath, 1,534 sqft condo is quite a find in this area. The unobstructed view is an even harder find. Year-round sunsets, waterfront pool & deck, dock slip with boat lift, the list goes on! Throughout you will find a fine wood textured porcelain tile. Wake up and step out onto the balcony with this exquisite view every morning. Condos can often have the issue of never having enough space for storage, not here! The space is cleverly put to use including a MASSIVE primary closet through the bathroom, large utility room with washer/dryer, kitchen with pantry and large outdoor storage. The large open living space with kitchen and wet bar is the ideal entertaining space for family and friends.

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

9/10
Florosa Elementary SchoolGrades PK-50.7 mi
5/10

Construction

Condition

  • Property condition: Construction Complete,Renovated
  • Year built: 2000

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

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

Bathroom

  • Level: Second
  • Area: 7474
  • Dimensions: 74 x 101

Bathroom

  • Level: Second
  • Area: 23427
  • Dimensions: 411 x 57

Bedroom

  • Level: Second
  • Area: 114210
  • Dimensions: 141 x 810

Bedroom

  • Level: Second
  • Area: 10922
  • Dimensions: 127 x 86

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Cooling

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

Features

  • Breakfast Bar,Crown Molding,Pantry,Wet Bar,Elevator
  • Window features: Double Pane Windows
  • Flooring: Tile

Interior Area

  • Total structure area: 1,534
  • Total interior livable area: 1,534 sqft

Kitchen

  • Level: Second
  • Area: 135632
  • Dimensions: 112 x 1,211

Living Room

  • Level: Second
  • Area: 3523
  • Dimensions: 271 x 13

Master Bathroom

  • Level: Second
  • Area: 9328
  • Dimensions: 88 x 106

Master Bedroom

  • Level: Second
  • Area: 16878
  • Dimensions: 174 x 97

Other

  • Level: Second
  • Area: 14625
  • Dimensions: 65 x 225

Other

  • Level: Second
  • Area: 113220
  • Dimensions: 1,110 x 102

Property

Details

  • Parcel number: 142S25189300000202

Features

  • Pool features: In Ground
  • Patio & porch: Patio
  • Exterior features: Balcony,Boat Slip,Dock,Rain Gutters
  • Has view: Yes
  • View description: Gulf,Gulf/Pass,Intracoastal Waterwy,Sound
  • Has water view: Yes
  • Water view: Gulf,Gulf/Pass,Intracoastal Waterwy,Sound
  • On waterfront: Yes
  • Waterfront features: Intracoastal Wtrwy,Shore - Rip Rap,Seawall,Sound,Waterfront

Lot

  • Features: Within 1/2 Mile to Water

Parking

  • Total spaces: 1
  • Parking features: Boat,Detached Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Strong Wind
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 $2,017$24,204
Home Insurance *$201$2,412
Property Taxes $196$2,352
Electricity $197$2,366
Total$2,611$31,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,520/yr
40% on housing$78,330/yr
45% on housing$69,626/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

$260This listing

vs Other Active Listings

Avg $/sqft

ZIP 32569$206
Okaloosa County$262

vs Homes Sold Last Month

Median $/sqft

ZIP 32569$220
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
2026-07-29Price change$399,000
2026-07-10Price change$419,000
2026-05-29Price change$426,000
2026-04-19Price change$433,000
2026-02-27Price change$435,000
2026-01-06Listed for sale$440,000
2017-02-21Sold$237,000

For Sale by Agent

AgentCaleb H Smith
BrokerageSeahorse Realty Inc

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