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$439,900 Just Listed

  • For Sale
  • Active
  • Single Family
  • 2 Beds
  • 2 Full Baths
  • 1,008 Sq. Ft.
  • Updated 2 days ago
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Your Florida Beach Cottage Awaits! Constructed in March of 2021, this charming, fully furnished 2 bedroom 2 bath cottage can serve as a primary residence or be utilized as a long/short-term rental. Currently, this property is a primary residence and has not been on the rental market. The gravel drive affords ample parking and a 30 amp RV hookup. It is conveniently located just 12 minutes from Port St. Joe, 10 minutes from Mexico Beach, and 30 minutes from Cape San Blas. This home is within walking distance of St. Joe Beach, known for its clean, sugar-white sand and dog-friendly environment. Situated on almost a quarter-acre lot, the property features a fenced backyard, with a storage building to house beach supplies and tools.The backyard has plenty of space to accommodate a pool. Inside, there is an open floor plan featuring vaulted ceilings in the living area. The kitchen has quartz countertops and stainless steel GE appliances. Hot water is never an issue with a Rheem tankless hot water heater. In addition, there is beautiful LVP flooring throughout the home. The floor plan includes two bedrooms separated by a guest bathroom, which is equipped with a shower/tub combo, quartz sink, and storage closet. The guest bedroom is positioned at the front of the house, while the master bedroom, with a raised ceiling, is located on the other side of the guest bathroom. It also includes an ensuite bathroom with dual quartz sinks, and a spacious, tiled shower. The laundry room contains a Maytag washer and dryer. For extra storage, there is a pantry cabinet. Just outside of the laundry room, you will find a second screened porch, with patio furniture and a TV. The front screened porch includes patio furniture and a gas fire pit If you are not in the mood for a walk to the beach, the 3 block golf cart ride gets you to the sparkling white sand in no time! NICE GOLF CART INCLUDED WITH THE PURCHASE. Call for a showing today on this turnkey Florida Cottage.

Full Property Details for 109 Gulf Terrace Ln

General

  • Price: $439,900
  • Status: Active
  • Type: Single Family
  • Source: 933
  • MLS ID: 325016
  • Updated: 1/15/2026
  • Added to Site: 2 day(s) ago

Interior

  • Rooms/Areas: Blinds, See Remarks
  • Interior Features: Ceiling Vaulted, Lighting Recessed, Newly Painted, See Remarks, Smoke Detector, Split Bedroom, Washer/Dryer Hookup
  • Appliances: Clothes Dryer, Clothes Washer, Dishwasher, Exhaust Fan, Microwave, Oven Self Cleaning, Refrigerator w/Ice Maker, Stove/Oven Electric, Water Heater Tankless
  • Furnishings: Furnished
  • Flooring: Luxury Vinyl

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 2

Exterior

  • Exterior Features: Landscaped
  • Porch/Patio/Deck: Covered Porch, See Remarks, Screened Porch

Parking

  • Parking Features: Driveway

Location

  • Area: Mexico/St. Joe Beach
  • Subdivision: The Highlands Subdivision
  • Driving Directions: From Port St Joe take Hwy 98 W. Take a right on Canal St and right on Georiga and left on Gulf Terrace Ln. Will be 2nd house on the left. Look for the sign.

Heating & Cooling

  • Cooling Type: Central Electric, Heat Pump
  • Heating Type: Central Electric, Heat Pump

Utilities

  • Sewer: Public Sewer
  • Water: Public, Tap Fee Paid
  • Utility Description: Cable Available, Electricity Connected, Internet Available, Natural Gas Available, Phone Available, See Remarks, Sewer Connected, Tap Fee Paid, Underground Utilities, Water Connected

Structural Information

  • Architectural Style: Florida Cottage, Split Bedroom
  • Construction Status: Construction Complete
  • Exterior Const.: HardiPlank Type
  • Square Feet: 1,008
  • Living Area: 1,008 Sq. Ft.
  • Year Built: 2021

Unit Information

  • Occupancy Rate: Owner

Additional Structures

  • Other Structures: See Remarks, Storage

Lot Features

  • Lot Dimensions: 48 x 208
  • Lot Features: Cleared, Covenants/Restrictions, Interior, Level, Recorded Subdivision, Within 1/2 Mile of Water, Improved Lot
  • Fencing (Description): Back Yard, Full, Privacy, Vinyl, Wood

Financial Considerations

  • Terms: Cash, Conventional, FHA, VA Loan

Disclosures and Reports

  • Special Conditions: As Is
  • Legal Description: HIGHLANDS AT ST JOE BEACH PB 5 PGE 30 LOTS 27 ORB 818/689 QC FR AGUIRRE MAP 31
  • Flood Zone Info: X
  • Property ID: 03816-735R

Listed by Coastal Realty Group - Port St. Joe

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Listing agent

— 109 Gulf Terrace Ln —

  • Coastal Realty Group - Port St. Joe

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NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Schools serving 109 Gulf Terrace Ln

School District:Gulf County School District
NameGradesDistance
Port St. Joe Elementary School
2201 Long Ave, Port St. Joe, FL 32456
PK-67.9 mi
Port St. Joe High School
100 Shark Dr, Port St. Joe, FL 32456
7-128.3 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 109 Gulf Terrace Ln Get Price Alerts and Save Property

Date
Details
Price
Change
Source
1/15/2026
Listed
$439,900
5.49%
MLS
3/15/2023
Sold
$417,000
—
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 109 Gulf Terrace Ln

Year
Property Taxes
Change
Tax Assessment
Change
2025
$3,898
—
$379,452
-1%
2024
$3,898
374%
$383,840
448%
2023
$822
12%
$70,000
23%
2022
$736
9%
$57,000
14%
2021
$677
41%
$50,000
71%
2019
$481
29%
$29,282
10%
2018
$374
1%
$26,620
-5%
2017
$371
2%
$28,000
4%
2016
$362
19%
$27,000
35%
2015
$305
6%
$20,000
—
2014
$287
2%
$20,000
—
2013
$281
—
$20,000
—
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.

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Listed by Coastal Realty Group - Port St. Joe

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Recent Sales near 109 Gulf Terrace Ln

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109 Gulf Terrace Ln, Port Saint Joe, FL 32456 (MLS# 325016) is a Single Family property with 2 bedrooms and 2 full bathrooms. 109 Gulf Terrace Ln is currently listed for $439,900 and was received on January 15, 2026. Want to learn more about 109 Gulf Terrace Ln? Do you have questions about finding other Single Family real estate for sale in Port Saint Joe? You can browse all Port Saint Joe real estate or contact a Coldwell Banker agent to request more information.

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