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$775,000 Just Listed
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Property 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! 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.
Full Property Details
Full Property Details for 108 Terra Cotta Way
General
- Price: $775,000
- Taxes: $6,488 (2024)
- Status: Active
- Type: Single Family
- Source: Emerald_Coast
- MLS ID: 992506
- Updated: 1/12/2026
- Added to Site: 5 day(s) ago
Interior
- Rooms/Areas: Bedroom, Kitchen, Living Room, Master Bedroom
- Interior Features: 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
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 2
- Half Bathrooms: 1
Bedrooms
- Total Bedrooms: 2
Other Rooms
- Living Room: Living Room
- Kitchen: Kitchen
Additional Information
- Shared Amenities: Beach, Community Room, Deed Access, Dumpster, Laundry, Pickle Ball, Picnic Area, Pool, Short Term Rental - Allowed, Tennis, TV Cable
- Pool: Yes
Exterior
- Exterior Features: Deck Covered, Deck Open, Fenced Back Yard, Fenced Lot-All, Fenced Privacy, Pool - In-Ground, Porch, Porch Open, Renovated
Location
- Area: 14 - Destin
- County: Okaloosa
- Subdivision: Terra Cotta Terrace
- Driving Directions: Head South on FL-293 S, 0.6 mi; Continue Straight onto Hutchinson St., 0.4 Mi; Turn left onto Scenic Hwy 98, 1.6 mi; Turn Left onto Terra Cotta Way, 0.2 mi.
School Information
- Elementary School: Destin
- Middle School: Destin
- High School: Destin
Heating & Cooling
- Heating/Cooling: AC - Central Elect, AC - High Efficiency, Ceiling Fans, Heat Cntrl Electric, Water Heater - Elect
Utilities
- Utility Description: Electric, Public Sewer, Public Water
Structural Information
- Architectural Style: Beach House
- Construction: Roof Tile/Slate, Stucco
- Stories/Levels: 1
- Square Feet: 1,569
- Sq. Ft. Source: County PA Records
- Year Built: 1999
Lot Features
- Lot Size (Acres): 0.11
- Lot Dimensions: 37 x 101
- Lot Features: Within 1/2 Mile to Water
- Zoning: City
Financial Considerations
- Assessment Amount: $225
- Assmt Payment Freq: Monthly
- Tax Amount: $6,488
- Tax Year: 2024
- Terms: Conventional
Disclosures and Reports
- Legal Description: TERRA COTTA TERRACE LOT 36
- Assessment: Yes
- APN: 00-2S-22-2499-0000-0360
Listed by RealJoy Realty LLC
Get Pre-Approved Today
Schools
Schools serving 108 Terra Cotta Way
School District:Okaloosa County School District
| Name | Grades | Distance |
|---|---|---|
Destin Middle School 4608 Legendary Marina Drive, Destin, FL 32541 | 5-8 | 1.9 mi |
Destin Elementary School 630 Kelly Street, Destin, FL 32541 | PK-4 | 5.6 mi |
Fort Walton Beach High School 400 Hollywood Boulevard Southwest, Fort Walton Beach, FL 32548 | 9-12 | 14.5 mi |
Disclaimer:
School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 108 Terra Cotta Way
Date
Details
Price
Change
Source
1/12/2026
Listed
$775,000
8.77%
MLS
9/25/2023
Sold
$712,500
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 108 Terra Cotta Way
Year
Property Taxes
Change
Tax Assessment
Change
2025
$6,980
8%
$589,382
8%
2024
$6,488
3%
$547,668
4%
2023
$6,277
148%
$525,430
111%
2022
$2,536
—
$248,862
3%
2021
$2,528
—
$241,614
1%
2021
$2,528
2%
$238,278
2%
2019
$2,475
1%
$232,921
2%
2018
$2,452
1%
$228,578
2%
2017
$2,437
3%
$223,877
2%
2016
$2,371
-1%
$219,272
1%
2015
$2,404
—
$217,748
1%
2014
$2,412
1%
$216,020
1%
2013
$2,390
—
$212,828
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 108 Terra Cotta Way
108 Terra Cotta Way, Destin, FL 32541 (MLS# 992506) is a Single Family property with 2 bedrooms, 2 full bathrooms and 1 partial bathroom. 108 Terra Cotta Way is currently listed for $775,000 and was received on January 12, 2026. Want to learn more about 108 Terra Cotta Way? Do you have questions about finding other Single Family real estate for sale in Destin? You can browse all Destin real estate or contact a Coldwell Banker agent to request more information.

