Buyer leverage
Strong buyer advantage
128 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 1 of 1
Price vs recent sales
Asking $325k tops 1 of the last 1 closed sales
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
Highlights
As of September 12, 2026, 1695 W Hwy 98 #301 in Channel Marker, Mary Esther is listed at $324,900. It has been 128 days on market. Listing facts: built in 1983, waterfront. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1983 · 43 yrs
- 128 days on market
- HOA ~$50/mo (estimate; confirm)
Property timeline
This home’s history
- 1983BuiltPer public record
- Aug 4, 2026First trackedObserved at $324,900
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
Cost to own
Property taxes
✓ Based on certified county tax rollEstimated property taxes after purchase
$3,550/yr
≈ $296/mo·effective rate ~1.09%
Estimated from today’s asking price and current Okaloosa County tax rates.
⚠️Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $2,725/yr ($227/mo)
+$825 more each year
(+30%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes🔄
Home sellsResets the January after🧾
Buyer paysBased on purchase priceAdjust for your exemptions, portability, and down payment
Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
58/100
Strongest on: Flood safety (90), Insurance cost (57)
0 limited50100 exceptional
58/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Affordability50
List price $324,900 vs the community median $324,900. Not a measure of personal affordability.
Flood safety90
FEMA Zone X. Verify the parcel with FEMA.
Insurance cost57
From FEMA Zone X and a 1983 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 128 days on market for this home, against a 128-day area median.Days on market:this home 128Area median: 128 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of September 12, 2026.
What’s unique here: one of only 1 active listings in CHANNEL MARKER, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Stunning coastal living with one of the best views in the building. This third floor residence lets you enjoy breathtaking WATERFRONT VIEWS FROM NEARLY EVERY ROOM, DIRECTLY OF THE SANTA ROSA SOUND, with expansive windows showcasing the beautiful scenery. NEW VINYL FLOORING INSTALLED AND FRESHLY PAINTED - offering a fresh, modern aesthetic.
Charming- well-maintained kitchen with classic wood cabinetry, ample counter space, and functional layout. The living area, providing stunning, panoramic waterfront views, offers a calm and coastal setting, with generous space. The primary bedroom designed for comfortability, ensures a sizeable closet, and sliding glass doors that open to your perfect waterfront view.
The additional two bedrooms that are equally versatile, continue the homes atmosphere with spacious comfort, overlooking the channel. The outdoor/backyard space brings a sense of tranquility, making it a standout feature for this beautiful condo, offering peaceful views from your personal balcony. With the perfect location of this condo, just beyond your backyard, waterfront living has never felt closer.
Description provided by RE/MAX Gulf Coast Realty and reproduced from the MLS; not independently verified.
Property facts & sources
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
List price$324,900
Bed / bath3 / 2
Year built1983
Property typeCondominium
MLS #1002515
Listing status128 days on market
Public records & third-party data
FEMA flood zoneZone X
Windstorm exposureLow
CountyOkaloosa
Area listings1 active · 0 under contract
Estimated first-year tax~$3,411/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Estimated monthly payment$2,198
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$324,900
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of RE/MAX Gulf Coast Realty · Listing agent: Dane M Aho · dane@pcsfla.comProvided via the Emerald Coast Association of REALTORS® Internet Data Exchange · Source: Emerald Coast Association of REALTORS® · © 2026 Emerald Coast Association of REALTORS®, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Keep looking
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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.
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Transparency
Price & listing history
Listed for $324,900Momentum Realty · on market 128 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,411/yr
A rough first-year estimate only, applying a typical Okaloosa rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$3k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 1695 W HWY 98 #301?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by RE/MAX Gulf Coast Realty · MLS # 1002515
Market data · public records
Recent sales activity in CHANNEL MARKER
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the CHANNEL MARKER neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$324,900
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$0
Canonical 12-month median $/sq ft. Reference only.
Go deeper on CHANNEL MARKER
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
In the area
Recent Channel Marker news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
Why it matters: Directs state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 9 miles north of Channel Marker.
Get The Coast
May 2026 · Development
Okaloosa commissioners approve master plan for 392-lot River Park subdivision in Crestview
Okaloosa County commissioners unanimously approved the master plan for River Park, a 392 lot single family subdivision on 263 acres east of Main Drive and north of Airport Road in Crestview. The project by River Park Landing LLC will be built in three phases, with each phase requiring a separate development order approval.
Why it matters: Adds substantial single family housing supply to the Crestview market and phases new residential construction onto a large tract in north Okaloosa County. The project is about 27 miles north of Channel Marker, elsewhere in Okaloosa County.
Get The Coast
May 2026 · Infrastructure
Okaloosa County opens $212M Southwest Crestview Bypass
Okaloosa County opened the $212 million Southwest Crestview Bypass, a 3.5 mile four lane corridor connecting Antioch Road to State Road 85 with access from U.S. Highway 90. The project includes a 1,713 foot bridge, sidewalks, a multi use path, and direct access to the new Pineview K-8 school opening in August 2026.
Why it matters: Adds a major four lane traffic corridor serving southwest Crestview and expands regional road capacity for surrounding growth in north Okaloosa County. The project is about 24 miles north of Channel Marker, elsewhere in Okaloosa County.
Get The Coast
Assigned schools
Assigned schools
Schools currently assigned to this address in Okaloosa 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.
GRADEA
FlorosaAssigned elementary school · Okaloosa County School District · Grade A (Florida DOE 2025-26)
BrunerAssigned middle school · Okaloosa County School District
GRADEB
Fort Walton BeachAssigned high school · Okaloosa County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,489 – $2,166/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$752 – −$143At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 1695 W Hwy 98 #301, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1983 (43 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Okaloosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- 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 $3,411/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Provenance
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 12, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 1695 W Hwy 98 #301 and when was it built?
Per the listing record, 1695 W Hwy 98 #301 was built in 1983 and has 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1695 W Hwy 98 #301 in?
1695 W Hwy 98 #301 is in Channel Marker in Mary Esther, Okaloosa County. The community section on this page shows recent closed sales, days on market, and active inventory for Channel Marker from the same MLS data.
Why might property taxes on 1695 W Hwy 98 #301 differ from the current owner's?
The estimate on this page (about $3,411 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1695 W Hwy 98 #301 in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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.
