$315,000
Mary Esther, FL 32569
MLS# 1007788
Status: Pending
3 beds | 2 baths | 1600 sqft

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Property Description
ASSUMABLE VA LOAN AT 2.75% -- one-story 3-bedroom, 2-bathroom home, 1,600 square feet, in Mash Harbor, a waterfront community with a private community dock in Mary Esther, Florida 32569. Qualified buyers may assume the existing VA loan at a 2.75% interest rate, approximately $1,750 per month. Built in 2004 and renovated inside in 2019 with luxury vinyl plank flooring, granite countertops, stainless steel appliances, white cabinetry, and a large kitchen island with breakfast bar seating. Split open floor plan with high ceilings. Primary bedroom with en suite bath and double vanity; two additional bedrooms share a full hall bath. New vanities, toilets, hardware, and fixtures in 2019. A front bonus room works as a home office, flex space, or formal dining room. HVAC 2025, roof 2022, public water and public sewer. Low-maintenance yard with a rear deck overlooking a wooded preserve -- less upkeep, more time on the water. Mash Harbor is a quiet, no-through-traffic neighborhood with a community dock, beach area, and a lake at the center along the walk down to the dock. Approximately 9 minutes to Hurlburt Field, 26 minutes to Eglin AFB, 17 minutes to the beach, 10 minutes to shopping and restaurants, and 27 minutes to Destin-Fort Walton Beach Airport (VPS). Move-in ready -- a strong fit for a first-time buyer, a VA-eligible buyer, or an investor. Turnkey single-story living in Mash Harbor, Mary Esther, Florida. Friendly pet notice: A cat and dog live in the home, for showings.
Details
Maps
General Property Info
userdefined76: 4
Sub-Type: Detached Single Family
Design: Patio Home
SqFt Source: County PA Records
Immediate Occupancy: Yes
Garage: Yes
Carport: No
Driveway Spaces: 2
Pool: No
Pool Type: None
Apx SqFt(Htd/Cooled): 1600
Bedrooms: 3
Full Baths: 2
Total Bathrooms: 2
# Stories: 1
Year Built: 2004
Garage Spaces: 2
Acreage: 0.11
Contract Info
Listing Board: Navarre
List Price/SqFt: 196.88
List Date: 2026-07-16
Current Price: $315,000
List Price: $315,000
Location, Tax and Legal
Sub Area: 1212 - Mary Esther/West of Hurlburt
Elementary School: Florosa
Middle School: Bruner
High School: Fort Walton Beach
Legal Description: Marsh Harbor Blk E Lot 7
Listing Info, Tax & Legal
Homestead: No
Is Subject Leased: No
Assessment Fees: Yes
Assessment Amount: 1312
Annual Assessment Amount: 1312
Assessment Paid: Annually
New Buyer Fee: No
Last Taxes: 2935.36
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: No
Remarks & Misc
Remarks: ASSUMABLE VA LOAN AT 2.75% -- one-story 3-bedroom, 2-bathroom home, 1,600 square feet, in Mash Harbor, a waterfront community with a private community dock in Mary Esther, Florida 32569. Qualified buyers may assume the existing VA loan at a 2.75% interest rate, approximately $1,750 per month.
Built in 2004 and renovated inside in 2019 with luxury vinyl plank flooring, granite countertops, stainless steel appliances, white cabinetry, and a large kitchen island with breakfast bar seating. Split open floor plan with high ceilings. Primary bedroom with en suite bath and double vanity; two additional bedrooms share a full hall bath. New vanities, toilets, hardware, and fixtures in 2019. A front bonus room works as a home office, flex space, or formal dining room. HVAC 2025, roof 2022, public water and public sewer.
Low-maintenance yard with a rear deck overlooking a wooded preserve -- less upkeep, more time on the water. Mash Harbor is a quiet, no-through-traffic neighborhood with a community dock, beach area, and a lake at the center along the walk down to the dock.
Approximately 9 minutes to Hurlburt Field, 26 minutes to Eglin AFB, 17 minutes to the beach, 10 minutes to shopping and restaurants, and 27 minutes to Destin-Fort Walton Beach Airport (VPS). Move-in ready -- a strong fit for a first-time buyer, a VA-eligible buyer, or an investor. Turnkey single-story living in Mash Harbor, Mary Esther, Florida. Friendly pet notice: A cat and dog live in the home, for showings.
Construction Status
Construction Complete: 1
Parking Features
Garage Attached: 1
Lot/Parcel Access
City Road: 1
Lot Features
Covenants: 1
Interior: 1
Restrictions: 1
Within 1/2 Mile to Water: 1
Project Facilities
Beach: 1
Deed Access: 1
Dock: 1
Construction/Siding
Brick: 1
Roof Composite Shngl: 1
Siding Vinyl: 1
Slab: 1
Utilities
Electric: 1
Phone: 1
Public Sewer: 1
Public Water: 1
TV Cable: 1
Zoning
Resid Single Family: 1
Exterior
Deck Open: 1
Lawn Pump: 1
Sprinkler System: 1
Interior
Breakfast Bar: 1
Ceiling Cathedral: 1
Floor Laminate: 1
Pantry: 1
Split Bedroom: 1
Washer/Dryer Hookup: 1
Window Treatment All: 1
Woodwork Painted: 1
Financing
Conventional: 1
FHA: 1
VA: 1
Appliances
Auto Garage Door Opn: 1
Dishwasher: 1
Disposal: 1
Oven Self Cleaning: 1
Smoke Detector: 1
Stove/Oven Electric: 1
Energy
AC - Central Elect: 1
Ceiling Fans: 1
Double Pane Windows: 1
Heat Cntrl Electric: 1
Ridge Vent: 1
Water Heater - Elect: 1
Mstr Bdrm/Mstr Bath
MBath Double Vanity: 1
MBath Shower Only: 1
MBath Walk-In Closet: 1
Master Bedroom
First: 1
Bedroom
First: 1
Kitchen
First: 1
Rooms
Bedroom: 1
Dining Room: 1
Great Room: 1
Kitchen: 1
Master Bathroom: 1
Master Bedroom: 1
Fees Include
Recreational Faclty: 1
Status Change Info
Status: Pending
Under Contract Date: 2026-09-03
Location Tax and Legal
Area: 12 - Fort Walton Beach
Street #: 927
Street Name: Lajolla
Street Suffix: Lane
State: FL
Zip Code: 32569
County: Okaloosa
Project Name/Subdivision: MARSH HARBOR
Parcel ID: 15-2S-25-1000-000E-0070
Property Features
Construction Status: Construction Complete
Lot Features: Covenants; Interior; Restrictions; Within 1/2 Mile to Water
Zoning: Resid Single Family
Parking Features: Garage Attached
Project Facilities: Beach; Deed Access; Dock
Exterior: Deck Open; Lawn Pump; Sprinkler System
Interior: Breakfast Bar; Ceiling Cathedral; Floor Laminate; Pantry; Split Bedroom; Washer/Dryer Hookup; Window Treatment All; Woodwork Painted
Appliances: Auto Garage Door Opn; Dishwasher; Disposal; Oven Self Cleaning; Smoke Detector; Stove/Oven Electric
Utilities: Electric; Phone; Public Sewer; Public Water; TV Cable
Energy: AC - Central Elect; Ceiling Fans; Double Pane Windows; Heat Cntrl Electric; Ridge Vent; Water Heater - Elect
Master Bedroom: First
Bedroom: First
Kitchen: First
Rooms: Bedroom; Dining Room; Great Room; Kitchen; Master Bathroom; Master Bedroom
Financing: Conventional; FHA; VA
Fees Include: Recreational Faclty
Room Information
| Room Name | Level | Dimensions | Length | Width | Remarks | Dimensions |
| Dining Room | First | 16 x 11 | 16.00 | 11.00 | Formal | 16 x 11 |
| Great Room | First | 18 x 14 | 18.00 | 14.00 | 18 x 14 | |
| Kitchen | First | 13 x 12 | 13.00 | 12.00 | 13 x 12 | |
| Master Bedroom | First | 18 x 12 | 18.00 | 12.00 | 18 x 12 | |
| Bedroom | First | 13 x 11 | 13.00 | 11.00 | 13 x 11 | |
| Master Bathroom | First | 11.5 x 11 | 11.50 | 11.00 | 11.5 x 11 |
Listing Office: Expansion Realty
Last Updated: September - 10 - 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.
