1491 W Highway 98 Rare opportunities like this don't come along often. Situated on 115 feet of waterfront along the Santa Rosa Sound, this one-of-a-kind property offers the perfect blend of luxury waterfront living, investment potential, & unmatched flexibility. Wake up to breathtaking sunrises, unwind with spectacular sunsets, & spend your days enjoying your private dock with spacious sundeck-ideal for boating, fishing, paddleboarding, or simply taking in the view. Looking for a home that works for you? This property features a 1, 200 sq. ft. private apartment above the garage with its own entrance, balcony, washer/dryer, HVAC, water heater, & security system, making it an incredible opportunity for rental income, multigenerational living, a guest retreat, or extended stays. Inside the main home, you'll find water views throughout, a charming bay-window breakfast nook, tile flooring throughout (no carpet), & extensive updates including a full remodel, newer roof, HVAC, plumbing, & appliances for added peace of mind. Need even more flexibility? The 400 sq. ft. office with a separate entrance offers endless possibilities as a home business, studio, private workspace, guest suite, or potential additional bedroom. Additional features include a concrete safe room, workshop, hurricane shutters, circular driveway, & abundant storage throughout the home & apartment. Whether you're searching for a waterfront retreat, investment property, income-producing home, vacation getaway, multigenerational residence, or a place to enjoy the Florida lifestyle while offsetting your mortgage, this exceptional property checks every box. Live on the water. Generate income. Create lasting memories. This isn't just a home-it's an opportunity.