The Ultimate Angler's Retreat on St. James Bay. Live the coastal dream in this turn-key waterfront home, designed for those who live for long days on the water and quiet evenings under the oaks. Positioned perfectly on St. James Bay, this property offers a premier setup for boating and fishing that is increasingly rare. Fisherman & Boater Highlights: Private Fishing Pier: Steps from your back door, featuring an elevated lookout deck . Equipped for Success: Includes a boat lift, integrated fish-cleaning station, and power/water at the dock. Two dedicated storage rooms underneath provide ample space for tackle, rods, and maritime gear, plus sheltered parking for your trailer. Modern Comforts & Total Peace of Mind: The interior is as well-maintained as the dock, featuring a private sitting room with panoramic bay views and a split 3-bedroom, 2-bathroom layout. A new enclosed elevator (2023) makes it effortless to move gear from the dock to the kitchen, or on those rainy days you don't want to take the stairs. Every major system has been updated for worry-free ownership: New HVAC (2025), Standby Generator (2024), New Roof (2021), and LeafFilter Gutters (2024). The updated master shower (2025) and appliances replaced since ownership ensure modern luxury after a day on the bay. Enjoy the best of "Old Florida" with city services and a shared private well for irrigation. This isn't just a home; it's a front-row seat to the best fishing on the Forgotten Coast.
Single-familyProperty Type
1998Year Built
0.3 acresLot Size
$553Price/Sq.Ft.
4 spacesParking
Listed by Greg Eldridge• Sea Crest Real Estate, Inc.
Great custom built home with seawall, covered dock and boat lift
Public Records
May 16, 2002
Sold
$330,000
$227/sq ft
Public Records
Jun 1, 1989
Sold
$25,550
$18/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$2,316 (+2.1%)
2024
$2,269 (−0.5%)
2023
$2,279 (+0.7%)
2022
$2,263 (−2.1%)
2021
$2,313 (−7.6%)
$70,000 + $182,429
$252,429
2020
$2,503 (+7.0%)
2019
$2,340 (−10.1%)
$70,000 + $128,480
$198,480
2018
$2,602 (−13.8%)
$70,000 + $138,358
$208,358
2017
$3,019 (−0.3%)
$105,000 + $138,358
$243,358
2016
$3,027 (+5.2%)
$105,000 + $141,180
$246,180
2014
$2,877
Public record
Public record
Zoning
Permits
Beds
3
Baths
2
Stories
1
Lot width
100 ft.
Lot depth
132 ft.
Lot size
0.3 Acres
Year renovated
1998
Finished Sq. Ft.
1,456
Unfinished Sq. Ft.
—
Total Sq. Ft.
1,456
Year built
1998
Style
Single Family Residential
County
Franklin County
APN
1207S04W000003700030
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 24, 2026.
C4
Mixed Use Residential
To provide for a mixture of compatible commercial and residential uses in areas where such development already exists or has historically occurred or where public water and sewer are available.
Permitted uses
Include but are not limited to:
Assembly / meeting place
Automotive repair garage
Bank
General retail
Restaurant
Housing-Single unit
Warehouse
Hotel / motel
Jun 2, 2011 • Final
Residential building
Work on heating and air conditioning.
HVAC
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Climate risks
10/10 Flood Factor
Estimated 80%+ chance of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.31% chance of being in a wildfire in next 30 years
9/10 Heat Factor
7 days above 108° expected this year, 21 days in 30 years
10/10 Wind Factor
99% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Carrabelle, FL • 32323
Average low and high temperatures (°F)
60
40
66
49
72
55
77
61
82
69
87
74
90
77
87
75
85
73
80
63
73
57
65
47
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
97/ 100
Exceptional sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
8.8 hrs
6.2 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 2320 Hwy 98 E
We cannot show automated home-value estimates for this home.
Nearby homes have recently sold between $217,892 and $720,000.
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $218K to $720K.