90 Terra Cotta Way Destin, FL 32541
3
Beds
3
Baths
2,548
Sq Ft
7,405
Sq Ft Lot
Highlights
- Beach
- Deeded access to the beach
- Gulf View
- Destin Elementary School Rated A-
- Heated In Ground Pool
- Newly Painted Property
About This Home
As of June 2025Under Contract and Accepting Backup offers! The Wait is OVER! Indulge in luxury living in this Exquisite and Ultra-modern beach home. Custom built and designed by The Carter Building Company - this spacious and stunning 3BR/3BA + 2nd floor DOUBLE BUNK ROOM home leaves NOTHING to be desired. Located in the highly desired beach community of Terra Cotta, this gorgeous home boasts private/gated beach access, a private heated pool, a backyard oasis + more. The property features a spacious floor plan w/ hardwood floors and tile floors throughout. The kitchen boasts endless countertops, a gorgeous backsplash, gourmet island bar, white storybook cabinetry and Chef-grade stainless steel appliances. More.. Relax on the serene deck, by the private pool or on the private terrace. Built w/ energy-efficient features, this is the Beach Life! This home is a SHORT TERM RENTAL MACHINE as it boasts historical rental income 4 years in a row! Ascend to the 2nd level, where the primary Master bedroom awaits with a magnificent designer Ensuite bathroom, boasting a double vanity and a lavish tiled walk-in shower. The second bedroom beckons with a private balcony facing towards the beach and a Jack and Jill bathroom, featuring individual vanities and a shared lavatory and tub/shower. A grandiose loft space offers indulgence with two sets of custom built-in single bunks adorned with ambient lighting, outlets, fans, and elegant curtains for enhanced seclusion. Additionally, a sumptuous sleeper sofa graces this elevated haven, providing an extra touch of comfort and opulence. 1st floor hosts an oversized bedroom (3rd), garage, laundry room + more. Terra Cotta Terrace is a luxury development of beach homes in the highly sought-after Crystal Beach area. The neighborhood has private gated beach access just steps away from the home! Amenities include a community pool, tennis/pickleball courts, and a sand volleyball court. This ideal location is a short distance from several beach front restaurants and a few miles from Destin Commons and Silver Sands! Come see why your friends, your family and your vacationing guests will NEVER want to leave vacation and LIVE at 90 Terra Cotta Way, Destin!
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $10,089
Year Built
- Built in 2015
Lot Details
- 7,405 Sq Ft Lot
- Cul-De-Sac
- Back Yard Fenced
- Sprinkler System
- Lawn Pump
HOA Fees
- $199 Monthly HOA Fees
Parking
- 1 Car Attached Garage
- Oversized Parking
- Deeded Parking
Home Design
- Beach House
- Newly Painted Property
- Frame Construction
- Slate Roof
- Stucco
Interior Spaces
- 2,548 Sq Ft Home
- 2-Story Property
- Furnished
- Woodwork
- Crown Molding
- Wainscoting
- Beamed Ceilings
- Ceiling Fan
- Recessed Lighting
- Plantation Shutters
- Living Room
- Gulf Views
Kitchen
- Breakfast Bar
- Walk-In Pantry
- Gas Oven or Range
- Self-Cleaning Oven
- Cooktop with Range Hood
- Microwave
- Freezer
- Ice Maker
- Dishwasher
- Kitchen Island
- Disposal
Flooring
- Wood
- Painted or Stained Flooring
- Tile
- Vinyl
Bedrooms and Bathrooms
- 3 Bedrooms
- Built-In Bunk Beds
- 3 Full Bathrooms
- Cultured Marble Bathroom Countertops
- Dual Vanity Sinks in Primary Bathroom
- Shower Only in Primary Bathroom
Laundry
- Dryer
- Washer
Home Security
- Hurricane or Storm Shutters
- Storm Windows
- Storm Doors
Pool
- Heated In Ground Pool
- Outdoor Shower
Outdoor Features
- Deeded access to the beach
- 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 Air
- Air Source Heat Pump
- Tankless Water Heater
- Cable TV Available
Listing and Financial Details
- Assessor Parcel Number 00-2S-22-2499-0000-0270
Community Details
Overview
- Association fees include accounting, land recreation, master, recreational faclty, services
- Terra Cotta Terrace Subdivision
Amenities
- Community Barbecue Grill
- Picnic Area
Recreation
- Beach
- Tennis Courts
- Community Playground
- Community Pool
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Apr 18, 2025
Closed on
Jun 30, 2025
Sold by
Michalek Kari and Michalek Kenneth W
Bought by
Campbell Carri Lyn and Campbell Christopher Guy
Seller's Agent
Kyle Hock
RealJoy Realty LLC
Buyer's Agent
Kyle Hock
RealJoy Realty LLC
List Price
$1,290,000
Sold Price
$1,200,000
Premium/Discount to List
-$90,000
-6.98%
Views
21
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
31.77%
Original Mortgage
$1,080,000
Outstanding Balance
$1,079,166
Interest Rate
7.3%
Mortgage Type
New Conventional
Estimated Equity
$174,986
Purchase Details
Listed on
Jun 5, 2019
Closed on
Jul 22, 2019
Sold by
Dallas Lisa M and Lisa M Dallas Revocable Living
Bought by
Michalek Kari and Michalek Kenneth W
Seller's Agent
Eric Leitten
Real Broker LLC
Buyer's Agent
Kyle Hock
RealJoy Realty LLC
List Price
$658,000
Sold Price
$658,000
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
10.63%
Original Mortgage
$526,400
Interest Rate
3.82%
Mortgage Type
New Conventional
Purchase Details
Listed on
Sep 24, 2015
Closed on
Dec 17, 2015
Sold by
Houndstooth Properties Llc
Bought by
Lisa M Dallas Revocable Living Trust
Seller's Agent
Jason Carter
Distinctive Coastal Properties LLC
Buyer's Agent
Sue Brunette
Coldwell Banker Realty
List Price
$580,000
Sold Price
$580,000
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
3.57%
Original Mortgage
$300,000
Interest Rate
3.37%
Mortgage Type
Adjustable Rate Mortgage/ARM
Purchase Details
Closed on
Dec 8, 2014
Sold by
Carter Building Company Llc
Bought by
Houndstooth Properties Llc
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$400,000
Interest Rate
4.07%
Mortgage Type
Construction
Purchase Details
Closed on
Aug 15, 2014
Sold by
Banterra Bank
Bought by
Carter Building Company Llc
Purchase Details
Closed on
Aug 24, 2011
Sold by
Tubbs Jack E and Tubbs Cynthia F
Bought by
Banterra Bank
Purchase Details
Closed on
Jun 25, 2002
Sold by
Tubbs Jack E and Tubbs Cynthia F
Bought by
Tubbs Jack E and Tubbs Cynthia F
Purchase Details
Closed on
Aug 6, 2001
Sold by
Wilson David C and Wilson Geraldine V
Bought by
Tubbs Jack F and Tubbs Cynthia F
Similar Homes in Destin, FL
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $1,200,000 | Emerald Coast Title Services | |
| Warranty Deed | $658,000 | Championship Title Agcy Llc | |
| Warranty Deed | $580,000 | Attorney | |
| Quit Claim Deed | $86,100 | Emerald Coast Title Svcs Llc | |
| Special Warranty Deed | $45,500 | Mcneese Title Llc | |
| Warranty Deed | $136,600 | None Available | |
| Interfamily Deed Transfer | -- | -- | |
| Warranty Deed | $51,000 | Touchstone Land Title Inc |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $1,080,000 | New Conventional | |
| Previous Owner | $524,500 | New Conventional | |
| Previous Owner | $526,400 | New Conventional | |
| Previous Owner | $300,000 | No Value Available | |
| Previous Owner | $300,000 | Adjustable Rate Mortgage/ARM | |
| Previous Owner | $400,000 | Construction | |
| Previous Owner | $150,000 | Unknown |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 06/30/2025 06/30/25 | Sold | $1,200,000 | -7.0% | $471 / Sq Ft |
| 05/31/2025 05/31/25 | Pending | -- | -- | -- |
| 04/18/2025 04/18/25 | For Sale | $1,290,000 | +96.0% | $506 / Sq Ft |
| 05/01/2022 05/01/22 | Off Market | $658,000 | -- | -- |
| 07/22/2019 07/22/19 | Sold | $658,000 | +13.4% | $258 / Sq Ft |
| 06/23/2019 06/23/19 | Off Market | $580,000 | -- | -- |
| 06/08/2019 06/08/19 | Pending | -- | -- | -- |
| 06/05/2019 06/05/19 | For Sale | $658,000 | +13.4% | $258 / Sq Ft |
| 12/17/2015 12/17/15 | Sold | $580,000 | 0.0% | $236 / Sq Ft |
| 10/31/2015 10/31/15 | Pending | -- | -- | -- |
| 09/24/2015 09/24/15 | For Sale | $580,000 | -- | $236 / Sq Ft |
Source: Emerald Coast Association of REALTORS®
Tax History Compared to Growth
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 | $9,548 | $940,733 | $264,825 | $675,908 |
| 2023 | $9,548 | $908,360 | $247,500 | $660,860 |
| 2022 | $8,304 | $742,958 | $190,304 | $552,654 |
| 2021 | $7,254 | $584,168 | $164,934 | $419,234 |
| 2020 | $6,717 | $536,861 | $157,080 | $379,781 |
| 2019 | $6,415 | $505,726 | $157,080 | $348,646 |
| 2018 | $6,380 | $496,859 | $0 | $0 |
| 2017 | $5,939 | $454,442 | $0 | $0 |
| 2016 | $5,859 | $451,092 | $0 | $0 |
| 2015 | $1,259 | $95,000 | $0 | $0 |
| 2014 | $1,155 | $86,099 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Kyle Hock
K
Seller's Agent in 2025
Kyle Hock
RealJoy Realty LLC
(850) 225-6893
102 in this area
348 Total Sales
-
Eric Leitten
Seller's Agent in 2019
Eric Leitten
Real Broker LLC
(850) 496-1671
1 in this area
79 Total Sales
-
Jason Carter
J
Seller's Agent in 2015
Jason Carter
Distinctive Coastal Properties LLC
(850) 978-2106
1 Total Sale
-
S
Buyer's Agent in 2015
Sue Brunette
Coldwell Banker Realty
Map
Source: Emerald Coast Association of REALTORS®
MLS Number: 974165
APN: 00-2S-22-2499-0000-0270
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