9148 W Highway 98, Port St Joe, FL 32456
9148 W Highway 98 in No Named Subdivision, Port St Joe is listed at $749,000. It has been listed Sep 4, 2026. Listing facts: built in 2020. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 2020 · 6 yrs
- listed Sep 4, 2026
About this home
BEACH VIEWS AWAIT!! Step into the relaxed coastal lifestyle you've been searching for at 9148 Hwy 98. This beautiful 3 bedroom/2 bath 1st-tier beach home located on an elevated lot in the desirable Beacon Hill area directly across from the shoreline of the Gulf of America.
This impressive homesite puts the sand, surf & unforgettable Gulf sunsets within easy reach. Built 5 years ago & never used as a rental, the home has been lovingly maintained & remains in excellent condition. From the moment you step inside, you'll appreciate the quality finishes & attention to detail throughout.
Durable COREtec flooring provides an attractive, low-maintenance foundation for everyday beach living, while the kitchen features beautiful quartz countertops, ample workspace & a comfortable layout designed for gathering with family & friends. The home's elevated setting takes advantage of wonderful beach views, bringing the coastal scenery into your everyday lifestyle. Outside, a standing-seam metal roof complements the home's coastal design while offering durability suited for the Florida environment.
The fenced yard provides additional privacy & a convenient space for children or pets, while an outdoor shower makes it easy to rinse off after a day spent on the beach. A sprinkler system helps simplify lawn maintenance & a security system adds another layer of convenience whether you're living here year-round or enjoying the property as a second home. One of the home's standout features is its versatile access & parking.
Convenient beach access 2 doors down on Hwy 98 keeps the beach close at hand, while a quieter rear driveway provides parking behind the home. There's plenty of room for family & guests without sacrificing the relaxed residential feel of the property. Beacon Hill offers the laid-back atmosphere that makes this stretch of Florida's Forgotten Coast so special.
Spend mornings walking the shoreline, afternoons swimming, fishing, kayaking or simply relaxing in the sunshine, then wind down with beautiful sunsets over the water. Mexico Beach, St. Joe Beach & Port St.
Joe are all within easy reach, providing convenient access to local restaurants, shopping, boating, fishing & the small-town coastal lifestyle that makes this area such a special place to call home. With its elevated setting, beach views, close proximity to beach access, newer construction, higher-end finishes, fenced yard, outdoor shower, extra parking & pristine non-rental history, 9148 Hwy 98 W is an opportunity to own a beautifully maintained beach home where the Gulf is part of everyday life. Pack your beach chairs, grab the fishing gear & start enjoying everything this incredible coastal location has to offer.
Call for your private tour & LIVE THE BEACH LIFE!
All 58 photos
Description provided by Beach Properties Real Estate and reproduced from the MLS; not independently verified.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for No Named Subdivision. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $4,059/mo 75%
- Taxes $1,104/mo 20%
- Insurance $228/mo 4%
$5,391/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 9148 W Highway 98
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $475/yr (certified county roll, taxable value × millage). Buy at the asking price of $749,000 and the first-year bill resets to about $13,250/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 18.96 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Gulf County is $2,147/yr (74 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,000/yr; neither is a quote. |
| Roof and age | Built in 2020. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Gulf County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Gulf County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2020BuiltPer public record
- NowPendingSale pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
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Listed by Beach Properties Real Estate · MLS # 795044
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Similar homes for sale near No Named Subdivision
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in No Named Subdivision
- 191 Sailaway Drive, Port St. Joe, FL 32456 · $2,790,000 · 7 bd / 10 ba · listed November 11, 2026 (courtesy of Beach Properties Real Estate)
- 249 Watermark Way, Port St. Joe, FL 32456 · $2,499,000 · 6 bd / 7 ba · listed November 11, 2026 (courtesy of Beach Properties Real Estate)
- 107 Sunset Circle, Port St. Joe, FL 32456 · $1,799,000 · 4 bd / 5 ba · listed November 11, 2026 (courtesy of 98 Real Estate Group, LLC)
- 128 Sweetwater Shores Drive, Port St. Joe, FL 32456 · $1,599,000 · 3 bd / 3 ba · listed November 11, 2026 (courtesy of Beach Properties Real Estate)
- 6267 Americus Avenue, Port St. Joe, FL 32456 · $1,199,900 · 4 bd / 4 ba · listed November 11, 2026 (courtesy of Beach Properties Real Estate)
- 180 Pilot Drive, Port St. Joe, FL 32456 · $1,100,000 · 3 bd / 2 ba · listed November 11, 2026 (courtesy of Beach Properties Real Estate)
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on Gulf County
Explore Gulf County
Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Gulf County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 9148 W Highway 98, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2020: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Gulf County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $13,250/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $12,775 more per year than the current owner’s estimated bill (+2689%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | CPAR, checked against the MLS hourly (last: November 11, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 9148 W Highway 98 and when was it built?
Per the listing record, 9148 W Highway 98 was built in 2020 and has 3 bedrooms and 2 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 9148 W Highway 98 in?
9148 W Highway 98 is in No Named Subdivision in Port St Joe, Gulf County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 9148 W Highway 98 differ from the current owner's?
The estimate on this page (about $13,250 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $12,775 more per year than the current owner’s estimated bill (+2689%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 9148 W Highway 98 in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 9148 W Highway 98 in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Central Panhandle Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Central Panhandle Association of REALTORS®. © 2026 Central Panhandle Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.