89 Gammage St, Pt Washington, FL, 32459
About This Home
This is the kind of place people picture when they think about a simple, easy coastal life. A fully gutted and beautifully rebuilt Katrina cottage just one minute from Cessna Landing, where mornings start with fishing, boat launches, and kids at the park -only seven minutes away. Inside, everything is new, from the marble shower and kitchen to plumbing, AC, water heater, and finishes throughout. The space lives bigger than its 560 square feet, with a clean, modern feel and warm wood-look tile. Outside, fresh landscaping, gravel drive, and new stairs set the tone. Whether you keep it as your own getaway or turn it into a high-demand Airbnb, this one is easy, polished, and ready to go.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete,Renovated
- Year built: 2006
Materials
- Roof: Metal
- Construction materials: Foundation Off Grade,Siding CmntFbrHrdBrd
Type & Style
- Home type: SingleFamily
- Architectural style: Florida Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Refrigerator,Electric Water Heater
- Laundry features: Washer/Dryer Hookup
Bedroom
- Level: First
- Area: 168
- Dimensions: 12 x 14
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Dining Area
- Level: First
- Area: 168
- Dimensions: 12 x 14
Features
- Crown Molding,Recessed Lighting,Newly Painted
- Flooring: Tile,Carpet
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 560
- Total interior livable area: 560 sqft
Kitchen
- Level: First
- Area: 168
- Dimensions: 12 x 14
Master Bathroom
- Level: First
- Area: 168
- Dimensions: 12 x 14
Property
Details
- Parcel number: 222S20331200410120
- Special condition: Accept Backup Offers
Features
- Levels: One
- Stories: 1
- Patio & porch: Porch
Lot
- Lot size: 3,920 sqft
- Features: Wooded
- Lot size dimensions: .092
Parking
- Parking features: Carport
- Carport: 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
- Tornado
- Cold Wave
- Heat Wave
- Strong Wind
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Walton 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 | $1,314 | $15,768 |
| Home Insurance * | $221 | $2,652 |
| Property Taxes | $106 | $1,272 |
| Electricity | $197 | $2,366 |
| Total | $1,838 | $22,056 |
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 |
|---|---|---|
| 2026-04-26 | Listed for sale | $295,000 |
View on Zillow