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For sale
    • Price cut: $47.8K (5/28)
    $1,650,000

    431 Atwater Ct, Mary Esther, FL 32569

    5beds
    4,808sqft
    : 
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    Single Family Residence
    Built in 1993
    0.44 Acres Lot
    $1,565,500 Zestimate®
    $343/sqft
    $-- HOA

    What's special

    Five bedroomsPanoramic water viewsTwo bonus roomsElevated coastal contemporary residenceGarden tubBordered by the soundSweeping waterfront views
    At the edge of the Intracoastal waters of Santa Rosa Sound, this elevated coastal contemporary residence offers exceptional privacy and sweeping waterfront views. Positioned at the end of a private street in Mary Esther, the home is bordered by the sound and framed by stately brick column entry walls. Inside, five bedrooms, two bonus rooms, three full baths, and one half bath are thoughtfully arranged to maximize natural light and panoramic water views. Nearly every room overlooks the sound, allowing the waterfront to shape daily living. The main level features a gracious foyer and staircase leading into a living room where expansive windows frame the water as an ever-changing backdrop. The kitchen is designed for entertaining with abundant cabinetry, a chef's pantry with space for a secondary refrigerator, smooth-top cook surface with double ovens, and a prep sink within the island. From the kitchen and dining areas, 180-degree views stretch across the water. Upstairs, the primary suite offers elevated vistas, a walk-out Juliet balcony for coastal breezes, a private fireplace, and a spacious en suite bath with double vanity, garden tub, separate shower, private water closet, and extensive walk-in closet. Outside, white-sand shoreline access extends just beyond the backyard. A private dock spans more than 200 feet and includes an 18,000-lb boat lift, 4,000-lb lift, and jet ski lift -- creating effortless access to the calm waters of the sound. Significant 2022 improvements include a new copper roof, upgraded insulation, refreshed stucco siding, fresh exterior paint, and hurricane-rated windows. Conveniently located between Fort Walton Beach and Navarre along the Emerald Coast, the property offers easy access to Hurlburt Field, Eglin Air Force Base, and Highway 98 while maintaining the tranquility of a private waterfront setting.
    137 days
    |
    706
    |
    55
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Heather Blatz heather.blatz@scenicsir.com,

    Scenic Sotheby's International Realty

    Source: ECAOR,MLS#: 997179MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      Primary bedroom
      • Level: Second
      • Area: 476 Square Feet
      • Dimensions: 28 x 17
      Bedroom
      • Level: First
      • Area: 156 Square Feet
      • Dimensions: 13 x 12
      Bedroom
      • Level: Second
      • Area: 336 Square Feet
      • Dimensions: 21 x 16
      Bedroom
      • Level: Second
      • Area: 224 Square Feet
      • Dimensions: 16 x 14
      Bedroom
      • Level: Second
      • Area: 272 Square Feet
      • Dimensions: 16 x 17
      Primary bathroom
      • Level: Second
      • Area: 270 Square Feet
      • Dimensions: 18 x 15
      Other
      • Level: Second
      • Area: 30 Square Feet
      • Dimensions: 10 x 3
      Bonus room
      • Description: Between upstairs bedrooms
      • Level: Second
      • Area: 120 Square Feet
      • Dimensions: 10 x 12
      Bonus room
      • Description: above garage
      • Level: First
      • Area: 255 Square Feet
      • Dimensions: 15 x 17
      Dining room
      • Level: First
      • Area: 224 Square Feet
      • Dimensions: 16 x 14
      Family room
      • Level: First
      • Area: 506 Square Feet
      • Dimensions: 22 x 23
      Foyer
      • Description: Entry Way Room
      • Level: First
      • Area: 361 Square Feet
      • Dimensions: 19 x 19
      Kitchen
      • Level: First
      • Area: 272 Square Feet
      • Dimensions: 16 x 17
      Heating
      • Geothermal, Heat Pump, Natural Gas
      Appliances
      • Included: Cooktop, Dishwasher, Dryer, Washer, Gas Water Heater
      • Laundry: Washer/Dryer Hookup
      Features
      • Bookcases, Vaulted Ceiling(s), Kitchen Island, Newly Painted, Split Bedroom
      • Flooring: Hardwood, Tile, Vinyl, Carpet
      • Windows: Skylight(s), Window Treatments, Bay Window(s)
      • Has fireplace: Yes
      • Fireplace features: Gas, Fireplace 2+
      • Common walls with other units/homes: No Common Walls
      Interior area
      • Total structure area: 4,808
      • Total interior livable area: 4,808 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage Door Opener, Boat, Guest, Oversized, RV Access/Parking, Garage
      • Attached garage spaces: 2
      Features
      • Stories: 2
      • Patio & porch: Covered, Enclosed, Screened
      • Exterior features: Outdoor Grill, Balcony, Boat Slip, Boatlift, Dock, Sprinkler System
      • Has view: Yes
      • View description: Canal, Gulf, Gulf/Pass, Intracoastal Waterwy, Lagoon, Sound, Pond
      • Has water view: Yes
      • Water view: Canal,Gulf,Gulf/Pass,Intracoastal Waterwy,Lagoon,Sound,Pond
      • Waterfront features: Gulf/Pass, Intracoastal Wtrwy, Lagoon, Pond, Shore - Natural, Seawall, Sound
      Lot
      • Size: 0.44 Acres
      • Dimensions: 300 x 200
      • Features: Cul-De-Sac, Dead End, Flood Insurance Req
      Details
      • Parcel number: 172S25008000000060
      • Zoning description: Resid Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Mediterranean
      • Property subtype: Single Family Residence
      Materials
      • Siding EIFS, Stucco
      • Foundation: Pillar/Post/Pier
      • Roof: Metal
      Condition
      • Construction Complete
      • New construction: No
      • Year built: 1993

      Utilities & green energy

      • Water: Public

      Community & HOA

      Community
      • Features: Beach, Waterfront
      • Security: Security System, Smoke Detector(s)
      • Subdivision: ATWATER
      HOA
      • Has HOA: Yes
      • Services included: Land Recreation
      Location
      • Region: Mary Esther

      Financial & listing details

      • Price per square foot: $343/sqft
      • Tax assessed value: $889,346
      • Annual tax amount: $7,325
      • Date on market: 3/6/2026
      • Road surface type: Paved

        Estimated market value

        $1,565,500

        $1.49M - $1.64M

        $4,061/mo

        Price history

        DateEventPrice
        5/28/2026Price change$1,650,000-2.8%$343/sqft
        Source: ECAOR #997179 Report a problem
        4/7/2026Price change$1,697,800-3%$353/sqft
        Source: ECAOR #997179 Report a problem
        3/25/2026Price change$1,750,000-2.7%$364/sqft
        Source: ECAOR #997179 Report a problem
        3/6/2026Listed for sale$1,799,000+5.8%$374/sqft
        Source: ECAOR #997179 Report a problem
        2/14/2026Listing removed$1,699,900$354/sqft
        Source: ECAOR #984625 Report a problem
        2/1/2026Price change$1,699,900-2.9%$354/sqft
        Source: ECAOR #984625 Report a problem
        1/21/2026Price change$1,749,900-1.4%$364/sqft
        Source: ECAOR #984625 Report a problem
        1/3/2026Price change$1,774,900-1.4%$369/sqft
        Source: ECAOR #984625 Report a problem
        11/13/2025Price change$1,799,900-3.7%$374/sqft
        Source: ECAOR #984625 Report a problem
        10/17/2025Price change$1,870,000-2.6%$389/sqft
        Source: ECAOR #984625 Report a problem
        9/8/2025Price change$1,920,000-12.5%$399/sqft
        Source: ECAOR #984625 Report a problem
        9/4/2025Listed for sale$2,195,000+2.1%$457/sqft
        Source: ECAOR #984625 Report a problem
        8/18/2025Listing removed$2,150,000$447/sqft
        Source: ECAOR #983160 Report a problem
        8/17/2025Listed for sale$2,150,000+10.3%$447/sqft
        Source: ECAOR #983160 Report a problem
        8/9/2024Listing removed--
        Source: ECAOR #955212 Report a problem
        8/5/2024Listed for sale$1,950,000$406/sqft
        Source: ECAOR #955212 Report a problem
        7/29/2024Listing removed--
        Source: Owner Report a problem
        7/22/2024Listed for sale$1,950,000+482.1%$406/sqft
        Source: Owner Report a problem
        9/27/2018Sold$335,000-23%$70/sqft
        Source: ECAOR #801804 Report a problem
        5/2/2018Sold$435,200+691.3%$91/sqft
        Source: Public Record Report a problem
        12/10/2007Sold$55,000-93.7%$11/sqft
        Source: Public Record Report a problem
        12/13/2006Sold$875,000$182/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$7,325 +1.4%$653,713 +3%
        2023$7,226 +5.3%$634,673 +3%
        2022$6,865 +0.1%$616,187 +3%
        2021$6,859 +4.8%$598,240 +1.4%
        2020$6,542 -5.2%$589,980 -4.6%
        2019$6,902 +7.8%$618,456 +11.3%
        2018$6,402 $555,481 +15.7%
        2017$6,402 +22.6%$480,156 +2.1%
        2016$5,220 +2.8%$470,280 +0.7%
        2015$5,079 -2.4%$467,011 +0.8%
        2014$5,206 $463,305 +1.5%
        2013-- $456,458 -3.3%
        2012-- $471,888 -4.2%
        2011-- $492,704 -2.9%
        2010-- $507,343 -13.5%
        2009-- $586,560 -13.1%
        2008-- $674,667 -17.6%
        2007-- $818,927 +447.5%
        2006-- $149,565 +3%
        2005-- $145,209 -62.6%
        2004-- $388,743 +1.9%
        2003-- $381,495 +2.4%
        2002-- $372,554 +1.6%
        2001-- $366,687
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 32569

        Getting around

        15 / 100
        Car-Dependent
        35 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Florosa
        • Middle: Meigs
        • High: Fort Walton Beach

        Source: ECAOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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