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$1,075,000

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 4 Full Baths
  • 2,193 Sq. Ft.
  • Updated 6 days ago

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Discover the perfect blend of location, comfort, and investment opportunity at 54 Terra Cotta Terrace. This beautifully designed 4-bedroom, 4-bathroom beach home spans 2,193 square feet of thoughtfully laid-out living space and is perfectly positioned just a short stroll from the sugar-white sands and emerald waters of the Gulf--with deeded beach access making every day feel like a vacation. From the moment you step inside, you're welcomed by a bright, open-concept living area filled with natural light and coastal elegance. The home's three-story layout offers ideal separation of space, making it perfect for hosting guests, accommodating multiple families, or maximizing rental income. Three of the four spacious bedrooms are paired with its own full bath, creating a true retreat for owners and guests alike. The well-appointed kitchen, multiple entertainment spaces, private deck with peekaboo Gulf view and backyard patio provide the perfect setting for entertaining or unwinding after a day at the beach. Located within the desirable Terra Cotta Terrace community, residents enjoy gated community pool access, pickle ball/tennis courts, sand volleyball and deeded beach access, all just minutes from Destin's top dining, shopping, and entertainment. Whether you're searching for a primary residence, second home, or a high-performing short-term rental, this property checks every box--with rental projections exceeding $120K+ annually offering serious income potential. Opportunities like this--combining location, lifestyle, and income--are rare. Don't miss your chance to own a turnkey beach home in one of the most sought-after destinations on the Emerald Coast. Buyer to verify all information. Professional photos will be added soon.

Full Property Details for 54 Terra Cotta Way

General

  • Price: $1,075,000
  • Taxes: $9,846 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 999033
  • Updated: 4/13/2026
  • Added to Site: 23 day(s) ago

Rental Information

  • Complex Features: Short Term Rental - Allowed, Pickle Ball, Beach, Community Room, Deed Access, Pets Allowed, Pool, Tennis

Interior

  • Number of Rooms: 12
  • Interior Features: Breakfast Bar, Lighting Recessed, Newly Painted, Owner's Closet, Pantry, Washer/Dryer Hookup
  • Appliances: Auto Garage Door Opn, Cooktop, Dishwasher, Dryer, Freezer, Microwave, Refrigerator, Stove/Oven Electric, Washer, Water Heater - Elect
  • Furnishings: Furnished - All
  • Flooring: Floor Laminate, Floor Tile

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 4

Bedrooms

  • Total Bedrooms: 4

Additional Information

  • Pool: Yes
  • Pool Description: Pool Type

Exterior

  • Exterior Features: BBQ Pit/Grill
  • Porch/Patio/Deck: Deck Covered, Deck Open, Patio Open

Parking

  • Garage: Yes
  • Garage Spaces: 2
  • Parking Features: Garage, Golf Cart Open, See Remarks, Other

Location

  • Area: 14 - Destin
  • County: Okaloosa
  • Subdivision: TERRA COTTA TERRACE
  • Driving Directions: Heading East on Scenic 98 coming from the Crab Trap, turn North (Left) onto Terra Cotta Way. Home will be on the left hand side

School Information

  • Elementary School: Destin
  • Middle School: Destin
  • High School: Fort Walton Beach

Community

  • Association: Yes
  • Assoc. Fees Include: Ground Keeping, Master Association, Recreational Faclty

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Ceiling Fans, Central Air
  • Heating Type: Central
  • Heating/Cooling: Central, Ceiling Fans, Central Air

Utilities

  • Sewer: Public Sewer
  • Utility Description: Electric, Public Water

Structural Information

  • Architectural Style: Contemporary
  • Construction: Frame, Stucco
  • Exterior Const.: Frame, Stucco
  • Stories/Levels: 3
  • Square Feet: 2,193
  • Sq. Ft. Source: County PA Records
  • Year Built: 1993

Lot Features

  • Property View: Gulf
  • Lot Size (Acres): 0.1
  • Lot Size (Sq. Ft.): 4,356
  • Lot Dimensions: 49 x 90
  • Frontage: City Street
  • Street/Road Desc.: Paved
  • Lot Features: Covenants, Cul-De-Sac, Within 1/2 Mile to Water, See Remarks
  • Zoning: Resid Single Family

Water Features

  • Water View: Yes

Financial Considerations

  • Assessment Amount: $226
  • Tax Amount: $9,846.58
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: TERRA COTTA TERRACE LOT 9
  • APN: 00-2S-22-2499-0000-0090
  • Property ID: 00-2S-22-2499-0000-0090

Listed by Keller Williams Realty Destin

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Listing agents

— 54 Terra Cotta Way —

  • Keller Williams Realty Destin

  • Keller Williams Realty Destin

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 54 Terra Cotta Way

School District:Okaloosa County School District
NameGradesDistance
Destin Middle School
4608 Legendary Marina Drive, Destin, FL 32541
5-81.9 mi
Destin Elementary School
630 Kelly Street, Destin, FL 32541
PK-45.6 mi
Fort Walton Beach High School
400 Hollywood Boulevard Southwest, Fort Walton Beach, FL 32548
9-1214.4 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 54 Terra Cotta Way Get Price Alerts and Save Property

Date
Details
Price
Change
Source
3/27/2026
Listed
$1,075,000
31.5%
MLS
7/09/2021
Sold
$817,500
—
Public Record
Get Price Alerts and Save Property
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 for 54 Terra Cotta Way

Year
Property Taxes
Change
Tax Assessment
Change
2025
$9,847
10%
$855,499
10%
2024
$8,950
6%
$777,053
4%
2023
$8,443
45%
$749,562
60%
2021
$5,832
-21%
$469,665
-23%
2022
$7,346
26%
$609,576
41%
2021
$5,832
13%
$432,171
6%
2019
$5,180
1%
$408,390
2%
2018
$5,142
6%
$400,456
8%
2017
$4,833
1%
$369,789
1%
2016
$4,762
1%
$366,633
3%
2015
$4,703
15%
$356,915
18%
2013
$4,097
—
$302,986
—
View All
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 for 54 Terra Cotta Way

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NMLS#: 1598647

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Listed by Keller Williams Realty Destin

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54 Terra Cotta Way, Destin, FL 32541 (MLS# 999033) is a Single Family property with 4 bedrooms and 4 full bathrooms. 54 Terra Cotta Way is currently listed for $1,075,000 and was received on March 27, 2026. Want to learn more about 54 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.

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