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108 Terra Cotta Way, Destin, FL 32541

$775,000
Property Type: Residential Bedrooms: 2 Baths: 3 Square Footage: 1,569 Lot Size (sq. ft.): 4,792 Status: Active
Current Price: $775,000 List Date: 1/12/2026 Last Modified: 1/12/2026

Description

Breathtaking Coastal Luxury Just Steps from the Sand! Welcome to 108 Terra Cotta Way, an exquisite, fully remodeled beach house w. garage offering the perfect blend of refined elegance, resort-style living, and exceptional investment potential. Nestled within the exclusive Terra Cotta Terrace community, this captivating home features deeded, gated beach access, a private heated pool, and a garage, all designed for effortless coastal living. From the moment you arrive, you'll be drawn to the home's fresh exterior paint, updated landscaping, and tranquil surroundings. Inside, soaring ceilings and an open layout create a bright, airy atmosphere flooded with natural light. Every detail has been thoughtfully curated, showcasing new flooring, designer lighting,and modern touches throughout!

Supplements: The chef's kitchen is a true showpiece, featuring storybook white custom cabinetry, endless quartzite countertops, and new stainless steel appliances - perfect for entertaining or quiet evenings at home. Bathrooms have been beautifully updated with new cabinets, mirrors, lighting, and spa-like finishes, offering a serene and refined experience. This spacious sanctuary boasts two luxurious master suites, ideal for hosting family, friends, or vacation guests. Step outside to your private oasis, where the re-surfaced Marcite pool, privacy wall, and lush setting create a tranquil resort-style escape - perfect for relaxing after a day at the beach. This home shines as both a full-time residence or income-producing coastal investment. With low HOA fees, residents enjoy access to exceptional community amenities including a community pool, tennis and pickleball courts, sand volleyball, BBQ grills, and a clubhouse for gatherings and events. One of Terra Cotta Terrace's most appreciated features is its quiet, non-cut-through streets, offering a peaceful, exclusive neighborhood ideal for morning walks, bike rides, and a true sense of serenity. The private gated beach access is just steps away -perfectly positioned between The Crab Trap and Pompano Joe's on Scenic Gulf Drive. Ideally located near beachfront dining, boutique shopping, championship golf, world-class fishing, Destin Commons, and Silver Sands Premium Outlets, this property offers a rare combination of luxury, location, and lifestyle. More than a home, 108 Terra Cotta Way is a coastal retreat, private haven, and unforgettable destination - where memories are made and guests never want to leave.

More Information MLS# 992506

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 493.95 List Date: 2026-01-09 Current Price: $775,000 List Price: $775,000

Location, Tax and Legal

Sub Area: 1404 - Destin Beach East Elementary School: Destin Middle School: Destin High School: Destin Legal Description: TERRA COTTA TERRACE LOT 36

General Property Info

Sub-Type: Detached Single Family Design: Beach House SqFt Source: County PA Records Garage: No Carport: No Pool: Yes Pool Type: Private Apx SqFt(Htd/Cooled): 1569 Bedrooms: 2 Full Baths: 2 Half Baths: 1 Total Bathrooms: 3 # Stories: 1 Year Built: 1999 Acreage: 0.11

Listing Info, Tax & Legal

Homestead: No Is Subject Leased: No Assessment Fees: Yes Assessment Amount: 225 Annual Assessment Amount: 2700 Assessment Paid: Monthly New Buyer Fee: Yes New Buyer Fee Amt: 200 New Buyer Fee Paid: $ Last Taxes: 6488.01 Last Tax Year: 2024 Brokerage Interest: No Interest As Is: Yes

Remarks & Misc

Remarks: Breathtaking Coastal Luxury Just Steps from the Sand! Welcome to 108 Terra Cotta Way, an exquisite, fully remodeled beach house w. garage offering the perfect blend of refined elegance, resort-style living, and exceptional investment potential. Nestled within the exclusive Terra Cotta Terrace community, this captivating home features deeded, gated beach access, a private heated pool, and a garage, all designed for effortless coastal living. From the moment you arrive, you'll be drawn to the home's fresh exterior paint, updated landscaping, and tranquil surroundings. Inside, soaring ceilings and an open layout create a bright, airy atmosphere flooded with natural light. Every detail has been thoughtfully curated, showcasing new flooring, designer lighting,and modern touches throughout!

Construction Status

Construction Complete: 1

Lot Features

Within 1/2 Mile to Water: 1

Project Facilities

Beach: 1 Community Room: 1 Deed Access: 1 Dumpster: 1 Laundry: 1 Pickle Ball: 1 Picnic Area: 1 Pool: 1 Short Term Rental - Allowed: 1 Tennis: 1 TV Cable: 1

Construction/Siding

Roof Tile/Slate: 1 Stucco: 1

Utilities

Electric: 1 Public Sewer: 1 Public Water: 1

Zoning

City: 1

Exterior

Deck Covered: 1 Deck Open: 1 Fenced Back Yard: 1 Fenced Lot-All: 1 Fenced Privacy: 1 Pool - In-Ground: 1 Porch: 1 Porch Open: 1 Renovated: 1

Interior

Breakfast Bar: 1 Ceiling Raised: 1 Floor Laminate: 1 Floor Vinyl: 1 Floor WW Carpet New: 1 Furnished - All: 1 Newly Painted: 1 Owner's Closet: 1 Pantry: 1 Plantation Shutters: 1 Renovated: 1 Washer/Dryer Hookup: 1 Window Treatment All: 1

Financing

Conventional: 1

Appliances

Auto Garage Door Opn: 1 Dishwasher: 1 Disposal: 1 Dryer: 1 Microwave: 1 Oven Continue Clean: 1 Refrigerator: 1 Refrigerator W/IceMk: 1 Smoke Detector: 1 Stove/Oven Electric: 1 Washer: 1

Energy

AC - Central Elect: 1 AC - High Efficiency: 1 Ceiling Fans: 1 Heat Cntrl Electric: 1 Water Heater - Elect: 1

Mstr Bdrm/Mstr Bath

MBath Double Vanity: 1 MBed Cthdrl Ceiling: 1 MBed First Floor: 1

Master Bedroom

First: 1

Bedroom

First: 1

Kitchen

First: 1

Living Room

First: 1

Rooms

Bedroom: 1 Kitchen: 1 Living Room: 1 Master Bedroom: 1

Fees Include

Accounting: 1 Land Recreation: 1 Licenses/Permits: 1 Master Association: 1 Recreational Faclty: 1 Services: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 14 - Destin Street #: 108 Street Name: Terra Cotta Street Suffix: Way State: FL Zip Code: 32541 County: Okaloosa Project Name/Subdivision: TERRA COTTA TERRACE Parcel ID: 00-2S-22-2499-0000-0360

Property Features

Construction Status: Construction Complete Lot Features: Within 1/2 Mile to Water Project Facilities: Beach; Community Room; Deed Access; Dumpster; Laundry; Pickle Ball; Picnic Area; Pool; Short Term Rental - Allowed; Tennis; TV Cable Exterior: Deck Covered; Deck Open; Fenced Back Yard; Fenced Lot-All; Fenced Privacy; Pool - In-Ground; Porch; Porch Open; Renovated Interior: Breakfast Bar; Ceiling Raised; Floor Laminate; Floor Vinyl; Floor WW Carpet New; Furnished - All; Newly Painted; Owner's Closet; Pantry; Plantation Shutters; Renovated; Washer/Dryer Hookup; Window Treatment All Appliances: Auto Garage Door Opn; Dishwasher; Disposal; Dryer; Microwave; Oven Continue Clean; Refrigerator; Refrigerator W/IceMk; Smoke Detector; Stove/Oven Electric; Washer Utilities: Electric; Public Sewer; Public Water Energy: AC - Central Elect; AC - High Efficiency; Ceiling Fans; Heat Cntrl Electric; Water Heater - Elect Master Bedroom: First Bedroom: First Kitchen: First Living Room: First Rooms: Bedroom; Kitchen; Living Room; Master Bedroom Financing: Conventional Fees Include: Accounting; Land Recreation; Licenses/Permits; Master Association; Recreational Faclty; Services

Room Information

Bedroom Level: First Dimensions: 15 x 15 Length: 15.00 Width: 15.00 Dimensions: 15 x 15 Master Bedroom Level: First Dimensions: 15 x 15 Length: 15.00 Width: 15.00 Dimensions: 15 x 15 Living Room Level: First Dimensions: 18 x 22 Length: 18.00 Width: 22.00 Dimensions: 18 x 22 Kitchen Level: First Dimensions: 12 x 15 Length: 12.00 Width: 15.00 Dimensions: 12 x 15
Listing Office: RealJoy Realty LLC
Last Updated: January - 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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