$949,000

78 Terra Cotta Way Destin, FL 32541

Estimated payment $5,526/month

3 Beds
3 Baths
1,860 Sq Ft
$510 Price per Sq Ft

Highlights

  • Beach
  • Deeded access to the beach
  • Covered Deck
  • Destin Elementary School Rated A-
  • Heated In Ground Pool
  • Newly Painted Property

About This Home

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. 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 living and unforgettable moments - a destination where families, friends, and vacationers will never want to leave.

Listing Agent

Kyle Hock

RealJoy Realty LLC License #3411723 Listed on: 11/20/2025

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,790

Year Built

  • Built in 1994

Lot Details

  • 4,356 Sq Ft Lot
  • Lot Dimensions are 105x40
  • Back Yard Fenced
  • Sprinkler System
  • Property is zoned City, Resid Single Family

HOA Fees

  • $199 Monthly HOA Fees

Home Design

  • Beach House
  • Newly Painted Property
  • Frame Construction
  • Slate Roof
  • Stucco

Interior Spaces

  • 1,860 Sq Ft Home
  • 2-Story Property
  • Woodwork
  • Ceiling Fan
  • Recessed Lighting
  • Fireplace
  • Living Room
  • Exterior Washer Dryer Hookup

Kitchen

  • Breakfast Bar
  • Walk-In Pantry
  • Double Self-Cleaning Oven
  • Gas Oven or Range
  • Range Hood
  • Microwave
  • Ice Maker
  • Dishwasher
  • Disposal

Flooring

  • Painted or Stained Flooring
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Primary Bedroom on Main
  • 3 Full Bathrooms
  • Dual Vanity Sinks in Primary Bathroom

Home Security

  • Hurricane or Storm Shutters
  • Fire and Smoke Detector

Pool

  • Heated In Ground Pool
  • Gunite Pool

Outdoor Features

  • Deeded access to the beach
  • Balcony
  • Covered Deck
  • Covered Patio or Porch

Schools

  • Destin Elementary And Middle School
  • Destin High School

Utilities

  • High Efficiency Air Conditioning
  • Multiple cooling system units
  • Central Heating and Cooling System
  • High Efficiency Heating System
  • Electric Water Heater
  • Phone Available
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 00-2S-22-2499-0000-0210

Community Details

Overview

  • Association fees include accounting, land recreation, master, recreational faclty
  • Terra Cotta Terrace Subdivision
  • Electric Vehicle Charging Station

Amenities

  • Community Barbecue Grill
  • Community Pavilion
  • Recreation Room

Recreation

  • Beach
  • Tennis Courts
  • Community Pool

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,790

Year Built

Built in 1994

Lot Details

0

HOA Fees

$199 per month

Listing Details

  • Property Sub Type: Detached Single Family
  • Prop. Type: Residential
  • Lot Size Acres: 0.1
  • Lot Size: 105x40
  • Road Frontage Type: City Street
  • Subdivision Name: TERRA COTTA TERRACE
  • Directions: OFF OLD HWY 98 BETWEEN CAPTAIN DAVES RESTAURANT AND DESTINY IN TERRA COTTA SUBDIVISION. HOUSE IS ON THE LEFT.
  • Architectural Style: Beach House
  • Carport Y N: No
  • New Construction: No
  • Building Stories: 2
  • Year Built: 1994
  • Remarks Misc:Remarks: 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. 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
  • Utilities Electric: Yes
  • Utilities:Public Sewer: Yes
  • Utilities:Public Water: Yes
  • Appliances Refrigerators: Yes
  • Energy:AC - Central Elect: Yes
  • Energy:Heat Cntrl Electric: Yes
  • Energy:Water Heater - Elect: Yes
  • Rooms:Living Room: Yes
  • Energy:Heat High Efficiency: Yes
  • Appliances Microwave: Yes
  • Energy:AC - High Efficiency: Yes
  • Energy:Ceiling Fans: Yes
  • Energy:AC - 2 or More: Yes
  • Special Features: None
  • Stories: 2

Interior Features

  • Appliances: Dishwasher, Disposal, Microwave, Oven Double, Oven Self Cleaning, Range Hood, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Water Heater - Elect
  • Full Bathrooms: 3
  • Total Bedrooms: 3
  • Flooring: Floor Tile
  • Interior Amenities: Breakfast Bar, Fireplace, Lighting Recessed, Newly Painted, Owner's Closet, Pantry, Washer/Dryer Hookup, Woodwork Painted
  • Window Features: Window Treatment All
  • Interior:WasherDryer Hookup: Yes
  • Master Bedroom:First: Yes
  • Appliances Dishwasher: Yes
  • Appliances:Smoke Detector: Yes
  • Interior:Breakfast Bar: Yes
  • Interior:Floor Tile: Yes
  • Appliances:Oven Self Cleaning: Yes
  • Appliances:Refrigerator WIceMk: Yes
  • Appliances:Range Hood: Yes
  • Mstr BdrmMstr Bath:MBath Double Vanity: Yes
  • Interior:Lighting Recessed: Yes
  • Appliances:StoveOven Gas: Yes
  • Interior:Window Treatment All: Yes
  • Interior:Newly Painted: Yes
  • Interior:Woodwork Painted: Yes
  • Appliances:Oven Double: Yes
  • Interior:Fireplace: Yes

Exterior Features

  • Lot Features: Sidewalk, Within 1/2 Mile to Water
  • Pool Features: Pool - Heated, Pool - In-Ground, Pool Type
  • Construction Type: Frame, Stucco
  • Exterior Features: Balcony, Fenced Back Yard, Hurricane Shutters, Pool - Gunite Concrt, Sprinkler System
  • Patio And Porch Features: Deck Covered, Deck Open, Patio Covered, Patio Open, Porch, Porch Open
  • Property Condition: Renovated, Construction Complete
  • Lot Features:Within 12 Mile to Water: Yes
  • Construction Status:Construction Complete: Yes
  • Exterior:Porch: Yes
  • ConstructionSiding:Stucco: Yes
  • Exterior:Balcony: Yes
  • Exterior:Deck Covered: Yes
  • Exterior:Patio Open: Yes
  • ConstructionSiding:Frame: Yes
  • Exterior:Patio Covered: Yes
  • Exterior:Deck Open: Yes
  • Exterior:Hurricane Shutters: Yes
  • Exterior:Porch Open: Yes
  • Exterior:Pool - Heated: Yes
  • Exterior:Sprinkler System: Yes
  • Exterior:Fenced Back Yard: Yes
  • Exterior:Pool - In-Ground: Yes
  • Lot Features:Sidewalk: Yes
  • ConstructionSiding:Roof TileSlate: Yes
  • Exterior:Pool - Gunite Concrt: Yes

Garage/Parking

  • General Property Info:Garage2: No

Utilities

  • Cooling: Ceiling Fans, Central Air
  • Cooling Y N: Yes
  • Heating: Central
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Utilities: Electric, Phone, Public Water, TV Cable
  • Utility: Yes

Condo/Co-op/Association

  • Community Features: Pickle Ball, BBQ Pit/Grill, Beach, Community Room, Deed Access, Pavillion/Gazebo, Pets Allowed, Pool, Tennis, TV Cable
  • Association #2 Fee: 199.0
  • Association Fee Frequency: Monthly
  • Association: Yes

Association/Amenities

  • Fees Include:Master Association: Yes

Fee Information

  • Association Fee Includes: Accounting, Land Recreation, Master Association, Recreational Faclty

Schools

  • Elementary School: Destin
  • High School: Destin
  • Middle Or Junior School: Destin

Lot Info

  • Lot Size Sq Ft: 4356.0
  • Parcel #: 00-2S-22-2499-0000-0210
  • Zoning: City, Resid Single Family

Tax Info

  • Tax Annual Amount: 3790.37
  • Tax Year: 2024

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $3,699 $358,603 -- --
2023 $3,699 $348,158 $0 $0
2022 $3,610 $338,017 $0 $0
2021 $3,603 $328,172 $0 $0
2020 $3,575 $323,641 $0 $0
2019 $3,534 $316,365 $0 $0
2018 $3,504 $310,466 $0 $0
2017 $0 $304,080 $0 $0
2016 $3,392 $297,826 $0 $0
2015 $3,438 $295,756 $0 $0
2014 $3,595 $268,102 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
11/20/2025 11/20/25 For Sale $949,000 -- $510 / Sq Ft
Source: Emerald Coast Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Quit Claim Deed -- Transtar National Title
Quit Claim Deed -- --
Warranty Deed $280,000 Southern Escrow & Title Llc
Warranty Deed $220,000 Southern Escrow & Title Llc
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Closed $100,000 Credit Line Revolving
Previous Owner $266,000 No Value Available
Previous Owner $209,000 No Value Available
Source: Public Records

Source: Emerald Coast Association of REALTORS®

MLS Number: 989925

Emerald Coast Association of REALTORS®

APN: 00-2S-22-2499-0000-0210