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78 Terra Cotta Way, Destin, FL 32541

$949,000
Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,860 Lot Size (sq. ft.): 4,356 Status: Active
Current Price: $949,000 List Date: 11/20/2025 Last Modified: 1/09/2026

Description

A Luxuriously Remodeled Beach Retreat Featuring a Private Heated Saltwater Pool and Exclusive Beach Access awaits! 78 Terra Cotta Way, an exquisitely reimagined 3-bedroom + office/bunk room, 3-bath luxury beach home featuring a private heated saltwater pool and exclusive deeded, gated beach access, perfectly situated in the prestigious Terra Cotta Terrace community. This remodeled coastal haven welcomes you with a new roof, tropical landscaping, a brick paver driveway, a charming covered front porch, fresh 2021 exterior paint with completed stucco inspection, and additional outdoor storage added to the exterior of the home. Inside, the open-concept layout is elevated by Calacatta Gold tile flooring, crisp white trim, an elegant real wood-burning fireplace, and designer finishes throughout

Supplements: The totally remodeled chef's kitchen showcases breathtaking Misterio Vico Subra quartz waterfall countertops, Storybook greige lower cabinetry, Charlotte Beach upper cabinetry, champagne hardware, a gas range with double oven, and a stunning glass subway tile backsplash, all hand-crafted to create a luxurious statement for your friends, family and vacationing guests. The spacious bedrooms and spa-like bathrooms offer comfort and serenity, while the flexible office/bunk room provides the perfect space for guests/bunk room or remote work. The second-floor master suite invites you onto a serene private balcony facing east, where each morning greets you with Destin's breathtaking sunrise - an intimate moment that we all need. The first-floor primary suite provides effortless luxury as well, offering elegant French-door access to the sparkling pool. Outside, the pool area features a remarkable motorized shade system that extends from the home to cover the water, creating a blissfully cool retreat during the warm summer months. The third bedroom enjoys direct access to the third bathroom, which also opens to the hallway for added convenience. The spacious bunk room, currently utilized as an office, offers generous versatility and can easily adapt to suit your needs. Outdoors, the property transforms into a private resort with a sparkling heated saltwater pool, cool deck surround, privacy fencing, a side patio ideal for dining and entertaining, and a multi-zoned sprinkler system. Additional upgrades include a 2025 concrete tile roof, 2023 water heater- ensuring a truly wonderful experience. The driveway hold 3 vehicles. This home is equipped with Miami-Dade-approved hurricane protection, providing top-tier safety and peace of mind during storm season and showcasing impact standards, ensuring year-round durability and reduced insurance costs. For added convenience, the property includes two outdoor storage closets - perfect for keeping beach gear, bicycles, sports equipment, gardening tools, or any other items you want easily accessible yet neatly tucked away. Additionally, the home is future-ready with a dedicated receptacle for a Level 2 electric vehicle (EV) charger. Whether you already own an EV or plan to in the future, the setup is in place to support fast and efficient home charging. One of the most appreciated features of Terra Cotta Terrace is that the community streets are not used as "cut-through" routes. This ensures a quieter, more exclusive atmosphere and perfect for morning walks, bike rides, and a true sense of neighborhood serenity. Residents also enjoy exceptional amenities such as a clubhouse, community pool, tennis and pickleball courts, sand volleyball, and proximity to a new on-site restaurant (see picture), all just steps from the private gated beach access across Scenic Hwy 98. Ideally positioned near beachfront dining, boutique shopping, championship golf, world-class fishing, Destin Commons, and Silver Sands Premium Outlets, this home offers an unparalleled blend of luxury and location. More than a residence, 78 Terra Cotta Way is a coastal retreat designed for effortless living and unforgettable moments - a destination where families, friends, and vacationers will never want to leave.

More Information MLS# 989925

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 510.22 List Date: 2025-11-19 Current Price: $949,000 List Price: $949,000

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 21

General Property Info

Sub-Type: Detached Single Family Design: Beach House SqFt Source: Agent-Measured Garage: No Carport: No Pool: Yes Pool Type: Private Apx SqFt(Htd/Cooled): 1860 Bedrooms: 3 Full Baths: 3 Total Bathrooms: 3 # Stories: 2 Year Built: 1994 Acreage: 0.1

Listing Info, Tax & Legal

Is Subject Leased: No Assessment Fees: Yes Assessment Amount: 199 Annual Assessment Amount: 2388 Assessment Paid: Monthly New Buyer Fee: Yes New Buyer Fee Amt: 250 New Buyer Fee Paid: $ Last Taxes: 3790.37 Last Tax Year: 2024 Brokerage Interest: No Interest As Is: No

Remarks & Misc

Remarks: A Luxuriously Remodeled Beach Retreat Featuring a Private Heated Saltwater Pool and Exclusive Beach Access awaits! 78 Terra Cotta Way, an exquisitely reimagined 3-bedroom + office/bunk room, 3-bath luxury beach home featuring a private heated saltwater pool and exclusive deeded, gated beach access, perfectly situated in the prestigious Terra Cotta Terrace community. This remodeled coastal haven welcomes you with a new roof, tropical landscaping, a brick paver driveway, a charming covered front porch, fresh 2021 exterior paint with completed stucco inspection, and additional outdoor storage added to the exterior of the home. Inside, the open-concept layout is elevated by Calacatta Gold tile flooring, crisp white trim, an elegant real wood-burning fireplace, and designer finishes throughout

Construction Status

Construction Complete: 1

Lot/Parcel Access

City Road: 1

Lot Features

Sidewalk: 1 Within 1/2 Mile to Water: 1

Project Facilities

BBQ Pit/Grill: 1 Beach: 1 Community Room: 1 Deed Access: 1 Pavillion/Gazebo: 1 Pets Allowed: 1 Pickle Ball: 1 Pool: 1 Short Term Rental - Allowed: 1 Tennis: 1 TV Cable: 1

Construction/Siding

Frame: 1 Roof Tile/Slate: 1 Stucco: 1

Utilities

Electric: 1 Phone: 1 Public Sewer: 1 Public Water: 1 TV Cable: 1

Zoning

City: 1 Resid Single Family: 1

Exterior

Balcony: 1 Deck Covered: 1 Deck Open: 1 Fenced Back Yard: 1 Hurricane Shutters: 1 Patio Covered: 1 Patio Open: 1 Pool - Gunite Concrt: 1 Pool - Heated: 1 Pool - In-Ground: 1 Porch: 1 Porch Open: 1 Renovated: 1 Sprinkler System: 1

Interior

Breakfast Bar: 1 Fireplace: 1 Floor Tile: 1 Lighting Recessed: 1 Newly Painted: 1 Owner's Closet: 1 Pantry: 1 Renovated: 1 Washer/Dryer Hookup: 1 Window Treatment All: 1 Woodwork Painted: 1

Financing

Conventional: 1 VA: 1

Appliances

Dishwasher: 1 Disposal: 1 Microwave: 1 Oven Double: 1 Oven Self Cleaning: 1 Range Hood: 1 Refrigerator: 1 Refrigerator W/IceMk: 1 Smoke Detector: 1 Stove/Oven Gas: 1

Energy

AC - 2 or More: 1 AC - Central Elect: 1 AC - High Efficiency: 1 Ceiling Fans: 1 Heat Cntrl Electric: 1 Heat High Efficiency: 1 Water Heater - Elect: 1

Mstr Bdrm/Mstr Bath

MBath Double Vanity: 1 MBath Tile: 1 MBed Balcony: 1 MBed First Floor: 1 MBed Walk-in Closet: 1

Master Bedroom

First: 1 Second: 1

Bedroom

Second: 1

Kitchen

First: 1

Living Room

First: 1

Rooms

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

Fees Include

Accounting: 1 Land Recreation: 1 Master Association: 1 Recreational Faclty: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 14 - Destin Street #: 78 Street Name: Terra Cotta Street Suffix: Way State: FL Zip Code: 32541 County: Okaloosa Project Name/Subdivision: TERRA COTTA TERRACE Parcel ID: 00-2S-22-2499-0000-0210

Property Features

Construction Status: Construction Complete Lot Features: Sidewalk; Within 1/2 Mile to Water Zoning: Resid Single Family Project Facilities: BBQ Pit/Grill; Beach; Community Room; Deed Access; Pavillion/Gazebo; Pets Allowed; Pickle Ball; Pool; Short Term Rental - Allowed; Tennis; TV Cable Exterior: Balcony; Deck Covered; Deck Open; Fenced Back Yard; Hurricane Shutters; Patio Covered; Patio Open; Pool - Gunite Concrt; Pool - Heated; Pool - In-Ground; Porch; Porch Open; Renovated; Sprinkler System Interior: Breakfast Bar; Fireplace; Floor Tile; Lighting Recessed; Newly Painted; Owner's Closet; Pantry; Renovated; Washer/Dryer Hookup; Window Treatment All; Woodwork Painted Appliances: Dishwasher; Disposal; Microwave; Oven Double; Oven Self Cleaning; Range Hood; Refrigerator; Refrigerator W/IceMk; Smoke Detector; Stove/Oven Gas Utilities: Electric; Phone; Public Sewer; Public Water; TV Cable Energy: AC - 2 or More; AC - Central Elect; AC - High Efficiency; Ceiling Fans; Heat Cntrl Electric; Heat High Efficiency; Water Heater - Elect Master Bedroom: First; Second Bedroom: Second Kitchen: First Living Room: First Rooms: Bedroom; Bunk Room; Kitchen; Living Room; Master Bedroom Financing: Conventional; VA Fees Include: Accounting; Land Recreation; Master Association; Recreational Faclty

Room Information

Living Room Level: First Dimensions: 19 x 18 Length: 19.00 Width: 18.00 Dimensions: 19 x 18 Master Bedroom Level: First Dimensions: 19 x 12 Length: 19.00 Width: 12.00 Dimensions: 19 x 12 Master Bedroom Level: Second Dimensions: 16 x 10 Length: 16.00 Width: 10.00 Dimensions: 16 x 10 Bedroom Level: Second Dimensions: 15 x 12 Length: 15.00 Width: 12.00 Dimensions: 15 x 12 Kitchen Level: First Dimensions: 12 x 14 Length: 12.00 Width: 14.00 Dimensions: 12 x 14 Bunk Room Level: Second Dimensions: 5 x 9 Length: 5.00 Width: 9.00 Dimensions: 5 x 9
Listing Office: RealJoy Realty LLC
Last Updated: January - 09 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2020 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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