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$949,000
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Property Description
Under Contract w/ a Kickout Clause. 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. Read more... 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, 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 liv
Full Property Details
Full Property Details for 78 Terra Cotta Way
General
- Price: $949,000
- Taxes: $3,790 (2024)
- Status: Active
- Type: Single Family
- Source: Emerald_Coast
- MLS ID: 989925
- Updated: 1/12/2026
- Added to Site: 58 day(s) ago
Interior
- Rooms/Areas: Bedroom, Bunk Room, Kitchen, Living Room, Master Bedroom
- Interior Features: 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
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
Bedrooms
- Total Bedrooms: 3
Other Rooms
- Living Room: Living Room
- Kitchen: Kitchen
Additional Information
- Shared Amenities: BBQ Pit/Grill, Beach, Community Room, Deed Access, Pavillion/Gazebo, Pets Allowed, Pickle Ball, Pool, Short Term Rental - Allowed, Tennis, TV Cable
- Pool: Yes
Exterior
- Exterior Features: 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
Location
- Area: 14 - Destin
- County: Okaloosa
- Subdivision: Terra Cotta Terrace
- Driving Directions: OFF OLD HWY 98 BETWEEN CAPTAIN DAVES RESTAURANT AND DESTINY IN TERRA COTTA SUBDIVISION. HOUSE IS ON THE LEFT.
School Information
- Elementary School: Destin
- Middle School: Destin
- High School: Destin
Heating & Cooling
- Heating/Cooling: AC - 2 or More, AC - Central Elect, AC - High Efficiency, Ceiling Fans, Heat Cntrl Electric, Heat High Efficiency, Water Heater - Elect
Utilities
- Utility Description: Electric, Phone, Public Sewer, Public Water, TV Cable
Structural Information
- Architectural Style: Beach House
- Construction: Frame, Roof Tile/Slate, Stucco
- Stories/Levels: 2
- Square Feet: 1,860
- Sq. Ft. Source: Agent-Measured
- Year Built: 1994
Lot Features
- Lot Size (Acres): 0.1
- Lot Dimensions: 105 x 40
- Street/Road Desc.: City Road
- Lot Features: Sidewalk, Within 1/2 Mile to Water
- Zoning: City, Resid Single Family
Financial Considerations
- Assessment Amount: $199
- Assmt Payment Freq: Monthly
- Tax Amount: $3,790
- Tax Year: 2024
- Terms: Conventional, VA
Disclosures and Reports
- Legal Description: TERRA COTTA TERRACE LOT 21
- Assessment: Yes
- APN: 00-2S-22-2499-0000-0210
Listed by RealJoy Realty LLC
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Schools
Schools serving 78 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 | 14.4 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 78 Terra Cotta Way
Date
Details
Price
Change
Source
11/20/2025
Listed
$949,000
238.93%
MLS
8/26/2002
Sold
$280,000
—
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 78 Terra Cotta Way
Year
Property Taxes
Change
Tax Assessment
Change
2025
$3,908
3%
$369,002
3%
2024
$3,790
2%
$358,603
3%
2023
$3,699
3%
$348,158
6%
2021
$3,603
—
$328,172
-3%
2022
$3,610
—
$338,017
4%
2021
$3,603
2%
$323,641
2%
2019
$3,534
1%
$316,365
2%
2018
$3,504
1%
$310,466
2%
2017
$3,485
3%
$304,080
2%
2016
$3,392
-1%
$297,826
1%
2015
$3,438
2%
$295,756
18%
2013
$3,376
—
$249,694
—
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 78 Terra Cotta Way
78 Terra Cotta Way, Destin, FL 32541 (MLS# 989925) is a Single Family property with 3 bedrooms and 3 full bathrooms. 78 Terra Cotta Way is currently listed for $949,000 and was received on November 20, 2025. Want to learn more about 78 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.

