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352 Harris St, Mary Esther, FL, 32569

3beds
2baths
1,198sqft
$309,950
$259price/sqft
$2,231/moest. monthly cost
$89,240/yrincome needed

About This Home

Showings to begin Saturday, March 21, 2026. Great family three-bedroom, two-bathroom home in Mary Esther! This move-in ready home is an easy Hurlburt commute. It would also be a wonderful investment opportunity as the quiet street has only a few houses and no through traffic. Easy maintenance. Split floor plan. Laundry room. The master bedroom easily accommodates a king size bed and a spacious master bath. The living room is also well designed and currently accommodates a large section, standard furniture a good amount of kid stuff while still feeling open and spacious. The kitchen has plenty of cabinet space and the dining area is not cramped accommodates a large table. The additional bedrooms share their own hall and bathroom. This is a home you will love!!

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

9/10
Florosa Elementary SchoolGrades PK-50.2 mi
5/10

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 2008

Materials

  • Foundation: Slab
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator

Bedroom

  • Level: First
  • Area: 110
  • Dimensions: 11 x 10

Bedroom

  • Level: First
  • Area: 110
  • Dimensions: 11 x 10

Bedrooms & Bathrooms

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

Cooling

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

Dining Room

  • Level: First
  • Area: 110
  • Dimensions: 11 x 10

Features

  • Flooring: Tile,Carpet
  • Common walls with other units/homes: No Common Walls

Interior Area

  • Total structure area: 1,198
  • Total interior livable area: 1,198 sqft

Kitchen

  • Level: First
  • Area: 126
  • Dimensions: 14 x 9

Master Bedroom

  • Level: First
  • Area: 144
  • Dimensions: 12 x 12

Property

Details

  • Parcel number: 152S25000000040050
  • Zoning description: Resid Single Family

Features

  • Stories: 1

Lot

  • Lot size: 3,920 sqft
  • Lot size dimensions: 50 x 85

Parking

  • Total spaces: 1
  • Parking features: Covered
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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 $1,567$18,804
Home Insurance *$156$1,872
Property Taxes $311$3,732
Electricity $197$2,366
Total$2,231$26,772
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,491/yr
40% on housing$66,930/yr
45% on housing$59,493/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

$259This listing

vs Other Active Listings

Avg $/sqft

ZIP 32569$208
Okaloosa County$263

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
2026-03-15Listed for sale$319,950
2023-08-18Sold$253,750
2023-07-09Pending sale$248,000
2023-06-20Price change$248,000
2023-06-07Listed for sale$249,000
2017-02-03Listing removed$1,095
2017-01-13Listed for rent$1,095
2012-03-29Listing removed$995
2012-02-17Listed for rent$995
2008-03-31Sold$169,900
2004-10-04Sold$37,000

For Sale by Agent

AgentTracy L McFarland
BrokerageWorld Impact Real Estate

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