198 E Water Street, Inlet Beach, FL 32461 (MLS# 1008286)

198 E Water Street, Inlet Beach, FL 32461

$3,749,500

198 e water st, inlet beach, fl 32461, u

Property Type: Residential Bedrooms: 4 Baths: 5 Square Footage: 2,629 Lot Size (sq. ft.): 2,614 Status: Active

Current Price: $3,749,500 List Date: 7/23/2026 Last Modified: 8/12/2026

Overview

Description

Welcome home to this beautifully refreshed cottage and carriage house in the heart of Rosemary Beach, where timeless coastal charm meets effortless 30A living. Thoughtfully updated, the main residence features freshly painted interiors, brand-new countertops, refreshed appliances, and a bright, open-concept living and kitchen area designed for gathering with family and friends. Offering three bedrooms and three-and-a-half baths in the main cottage, along with a separate one-bedroom, one-bath carriage house, the property provides a versatile layout with plenty of space for family and guests. Step outside to your own private retreat, where a heated pool surrounded by lush tropical landscaping creates an inviting setting for relaxing afternoons, outdoor entertaining, and evenings after a day at the beach. Ideally located just moments from the beautiful beaches and emerald waters of the Gulf, along with Rosemary Beach's boutique shopping, acclaimed dining, and charming town center, ... (Read more)

Listing Details MLS# 1008286

Contract Info

List Price/SqFt: 1426.21
Listing Board: Emerald Coast

Location Tax and Legal

Area: 18 - 30A East
Street #: 198
Street Direction: E
Street Name: Water
Street Suffix: Street
State: FL
Zip Code: 32461
County: Walton
Project Name/Subdivision: ROSEMARY BEACH
Parcel ID: 35-3S-18-16064-032-0030

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 2629
SqFt Source: County PA Records
Full Baths: 4
Half Baths: Yes
Total Bathrooms: 5
# Stories: 3
Year Built: 2012
Garage: Yes
Carport: Yes
Garage Spaces: Yes
Carport Spaces: Yes
Driveway Spaces: 2
userdefined76: 4
Acreage: 0.06
Pool: Yes
Pool Type: Private

Location, Tax and Legal

Sub Area: 1804 - S. of 98 East of Camp Creek
Elementary School: Dune Lakes
Middle School: Seaside
High School: South Walton
Legal Description: LOT 3 BLK 32 ROSEMARY BEACH PH 6 S/D PB 13-30 OR 2981-1904 OR 2868-2316 OR 2981-1904 OR 3169-2712

Listing Info, Tax & Legal

Is Subject Leased: No
Assessment Fees: Yes
Assessment Amount: 1592
Annual Assessment Amount: 6368
Assessment Paid: Quarterly
New Buyer Fee: Yes
New Buyer Fee Amt: 0.5
New Buyer Fee Paid: %
Last Taxes: 23630.43
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: No

More Information

Remarks & Misc

Remarks: Welcome home to this beautifully refreshed cottage and carriage house in the heart of Rosemary Beach, where timeless coastal charm meets effortless 30A living. Thoughtfully updated, the main residence features freshly painted interiors, brand-new countertops, refreshed appliances, and a bright, open-concept living and kitchen area designed for gathering with family and friends. Offering three bedrooms and three-and-a-half baths in the main cottage, along with a separate one-bedroom, one-bath carriage house, the property provides a versatile layout with plenty of space for family and guests. Step outside to your own private retreat, where a heated pool surrounded by lush tropical landscaping creates an inviting setting for relaxing afternoons, outdoor entertaining, and evenings after a day at the beach. Ideally located just moments from the beautiful beaches and emerald waters of the Gulf, along with Rosemary Beach's boutique shopping, acclaimed dining, and charming town center, this home places the best of the community right outside your door. Whether enjoyed as a second home, vacation retreat, or investment property, this refreshed Rosemary Beach cottage offers an exceptional opportunity to own and enjoy a special piece of one of 30A's most sought-after communities.

Construction Status

Construction Complete: Yes

Parking Features

Covered: Yes
Garage Attached: Yes

Lot/Parcel Access

Paved Road: Yes
Private Road: Yes

Lot Features

Interior: Yes
Within 1/2 Mile to Water: Yes

Project Facilities

Beach: Yes
Deed Access: Yes
Exercise Room: Yes
Fishing: Yes
Pets Allowed: Yes
Pool: Yes
Short Term Rental - Allowed: Yes
Tennis: Yes
TV Cable: Yes
Waterfront: Yes

Construction/Siding

Block: Yes
Concrete: Yes

Utilities

Electric: Yes
Gas - Natural: Yes
Public Sewer: Yes
Public Water: Yes
Tap Fee Paid: Yes
TV Cable: Yes
Underground: Yes

Zoning

Resid Single Family: Yes

Exterior

Balcony: Yes
BBQ Pit/Grill: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Guest Quarters: Yes
Patio Open: Yes
Pool - Gunite Concrt: Yes
Pool - Heated: Yes
Porch Open: Yes
Rain Gutter: Yes

Interior

Breakfast Bar: Yes
Built-In Bookcases: Yes
Ceiling Beamed: Yes
Ceiling Raised: Yes
Fireplace: Yes
Fireplace 2+: Yes
Fireplace Gas: Yes
Floor Tile: Yes
Floor WW Carpet: Yes
Furnished - All: Yes
Guest Quarters: Yes
Kitchen Island: Yes
Lighting Recessed: Yes
Lighting Track: Yes
Owner's Closet: Yes
Shelving: Yes
Split Bedroom: Yes
Washer/Dryer Hookup: Yes
Wet Bar: Yes
Window Treatment All: Yes
Woodwork Painted: Yes

Financing

Conventional: Yes
Other: Yes

Appliances

Auto Garage Door Opn: Yes
Cooktop: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Oven Self Cleaning: Yes
Refrigerator W/IceMk: Yes
Smoke Detector: Yes
Stove/Oven Gas: Yes
Washer: Yes
Wine Refrigerator: Yes

Energy

AC - 2 or More: Yes
AC - Central Elect: Yes
Ceiling Fans: Yes
Heat Cntrl Electric: Yes
Water Heater - Gas: Yes

Mstr Bdrm/Mstr Bath

MBath Double Vanity: Yes
MBath Garden Tub: Yes
MBath Separate Shwr: Yes
MBath Tile: Yes
MBath Walk-In Closet: Yes
MBed Fireplace: Yes

Master Bedroom

Second: Yes

Bedroom

Second: Yes
Third: Yes

Kitchen

First: Yes

Living Room

First: Yes

Rooms

Bedroom: Yes
Kitchen: Yes
Living Room: Yes
Master Bathroom: Yes
Master Bedroom: Yes
Separate Apartment: Yes

Fees Include

Accounting: Yes
Management: Yes
Master Association: Yes
Recreational Faclty: Yes
Security: Yes
Trash: Yes
TV Cable: Yes

Property Features

Construction Status: Construction Complete Lot Features: Interior; Within 1/2 Mile to Water Zoning: Resid Single Family Parking Features: Covered; Garage Attached Project Facilities: Beach; Deed Access; Exercise Room; Fishing; Pets Allowed; Pool; Short Term Rental - Allowed; Tennis; TV Cable; Waterfront Exterior: Balcony; BBQ Pit/Grill; Fenced Back Yard; Fenced Privacy; Guest Quarters; Patio Open; Pool - Gunite Concrt; Pool - Heated; Porch Open; Rain Gutter Interior: Breakfast Bar; Built-In Bookcases; Ceiling Beamed; Ceiling Raised; Fireplace; Fireplace 2+; Fireplace Gas; Floor Tile; Floor WW Carpet; Furnished - All; Guest Quarters; Kitchen Island; Lighting Recessed; Lighting Track; Owner's Closet; Shelving; Split Bedroom; Washer/Dryer Hookup; Wet Bar; Window Treatment All; Woodwork Painted Appliances: Auto Garage Door Opn; Cooktop; Dishwasher; Disposal; Dryer; Microwave; Oven Self Cleaning; Refrigerator W/IceMk; Smoke Detector; Stove/Oven Gas; Washer; Wine Refrigerator Utilities: Electric; Gas - Natural; Public Sewer; Public Water; Tap Fee Paid; TV Cable; Underground Energy: AC - 2 or More; AC - Central Elect; Ceiling Fans; Heat Cntrl Electric; Water Heater - Gas Master Bedroom: Second Bedroom: Second; Third Kitchen: First Living Room: First Rooms: Bedroom; Kitchen; Living Room; Master Bathroom; Master Bedroom; Separate Apartment Financing: Conventional; Other Fees Include: Accounting; Management; Master Association; Recreational Faclty; Security; Trash; TV Cable

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	16 x 22	16.00	22.00
Kitchen	First	14 x 15	14.00	15.00
Master Bedroom	Second	15 x 16	15.00	16.00
Master Bathroom	Second	8 x 16	8.00	16.00
Bedroom	Second	13 x 14	13.00	14.00
Bedroom	Third	13 x 13	13.00	13.00
Separate Apartment	Second	22 x 22	22.00	22.00

Documents

Projections 360 ›

2025 actuals ›

2026 actuals ›

Listing Office: Rosemary Beach Realty LLC

Last Updated: August - 12 - 2026

All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.

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