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$419,000

  • Sold
  • Closed
  • Single Family
  • 2 Beds
  • 2 Full Baths
  • 1,008 Sq. Ft.
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THIS FLORIDA BEACH COTTAGE IS PERFECT FOR A FULL-TIME RESIDENCE, PERSONAL GETAWAY OR INVESTMENT OPPORTUNITY (long or short-term rental) and NO HOA!! Constructed in 2021, this charming, fully furnished 2 bedroom 2 bath property is ready to meet all of your coastal needs. Currently, it is being utilized as a primary residence and has not been on the rental market. The gravel drive affords ample parking and a 30 amp RV hookup. 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 also has plenty of space to accommodate a pool. A self propelled lawnmower will also remain. 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 Performance tankless (electric) 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 en-suite 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 (GOLF CART INCLUDED) gets you to the sand in no time! CALL FOR A SHOWING TODAY ON THIS TURN-KEY FLORIDA COTTAGE!

Full Property Details for 109 Gulf Terrace Ln

General

  • Sold For: $419,000
  • Status: Closed
  • Type: Single Family
  • Source: 933
  • MLS ID: 325016
  • Added to Site: 222 day(s) ago

Interior

  • Rooms/Areas: Blinds, See Remarks
  • Interior Features: Vaulted Ceiling(s), Recessed Lighting, Newly Painted, See Remarks, Smoke Detector, Split Bedroom, Washer/Dryer Hookup
  • Appliances: Dryer, Washer, Dishwasher, Exhaust Fan, Microwave, Self Cleaning Oven, Refrigerator w/Ice Maker, Electric Oven, Tankless Water Heater
  • 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 Air, Heat Pump, Electric
  • Heating Type: Central, Heat Pump, Electric

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 Lot, 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
Sold by 98 Real Estate Group - CSB

Listing agent

— 109 Gulf Terrace Ln —

  • Coastal Realty Group - Port St. Joe

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 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 ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 109 Gulf Terrace Ln

Date
Details
Price
Change
Source
7/27/2026
Sold
$419,000
-2.33%
MLS
5/14/2026
Price Reduced
$429,000
-2.48%
MLS
1/15/2026
Listed
$439,900
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Listed by Coastal Realty Group - Port St. Joe
Sold by 98 Real Estate Group - CSB

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109 Gulf Terrace Ln, Port Saint Joe, FL 32456 (MLS# 325016) is a Single Family property that was sold at $419,000 on July 27, 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.