Listing provided courtesy of Destin Legacy Real Estate Llc- MLS# 986775MLS Provider

48 Terra Cotta WayDestin, FL 32541

Single Family · 4 Beds · 4 Full Baths · 3,240 Sq. ft. | 0.11 Acres
$1,439,000 Active

48 Terra Cotta Way Overview

Time on Site:
269 days
Visits:
2

Welcome to coastal living at its best! This charming home is located in the highly sought-after Terra Cotta Terrace community, just steps from the sugar-white sands and emerald waters of the Gulf. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this property delivers the perfect blend of comfort, convenience, and beachside lifestyle. Inside, you'll find a spacious layout designed for gathering and relaxing, with multiple living spaces ideal for family and friends. The primary suite offers a private retreat complete with a cozy gas fireplace and access to a balcony, the perfect spot to enjoy morning coffee or evening breezes. The third-floor bedroom doubles as a fun entertainment space, featuring plenty of room for guests and a selection of games that make it a favorite hangout for kids and adults alike. Front and back balconies extend the living space outdoors, giving you multiple vantage points to soak up the coastal air. As a resident of Terra Cotta Terrace, you'll have access to wonderful community amenities including a private deeded beach access, swimming pool, tennis courts, and sand volleyball. The neighborhood is golf cart-friendly, making beach runs and exploring the area a breeze. The location is unbeatable just a short stroll or quick ride to the Gulf, and minutes from some of Destin's best dining, shopping, and entertainment. From fresh seafood at beachfront restaurants to family fun at Destin Commons, Henderson Beach State Park, and world-class golf courses, everything you love about the Emerald Coast is right at your fingertips.

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48 Terra Cotta Way Facts & Features

  • Type Single Family
  • Sq. ft. 3,240
  • Price/Sq.ft. $444
  • Lot 0.11 Acres

Details

General

Association/HOA

  • Association Fee Includes: Accounting,Ground Keeping,Land Recreation,Management
  • Association: true

School Information

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

Building Information

  • New Construction: false
  • Year Built: 1993

Location/Region

  • County Or Parish: Okaloosa
  • MLS Area Major: 14 - Destin
  • MLS Area Minor: 1404 - Destin Beach East
  • Subdivision Name: TERRA COTTA TERRACE

Community/Development

  • Community Features: Short Term Rental - Allowed,BBQ Pit/Grill,Deed Access,Playground,Pool,Tennis

Tax Information

  • Tax Annual Amount: 11367.84
  • Tax Year: 2024

General Information

  • Parcel Number: 00-2S-22-2499-0000-0060
  • Property Condition: Construction Complete
  • Property Sub Type: Detached Single Family
  • Property Type: Residential
  • Zoning: Resid Single Family

Interior

Parking Information

  • Garage Spaces: 2.0

Beds/Baths

  • Bathrooms Full: 4
  • Bathrooms Half: 0
  • Bathrooms Total: 4
  • Bedrooms Total: 4

Building Interior

  • Building Area Source: County PA Records
  • Building Area Total: 3240.0

General Information

  • Appliances: Auto Garage Door Opn,Cooktop,Dishwasher,Disposal,Dryer,Microwave,Range Hood,Refrigerator W/IceMk,Smoke Detector,Stove/Oven Electric,Washer,Water Heater - Elect
  • Interior Features: Ceiling Raised,Fireplace 2+,Lighting Recessed,Washer/Dryer Hookup,Woodwork Painted
  • Rooms Total: 14
  • Stories: 3
  • Window Features: Window Treatment All,Double Pane Windows

Exterior

Parking Information

  • Parking Features: Oversized,See Remarks

Lot Information

  • Lot Features: Covenants,Restrictions,Within 1/2 Mile to Water
  • Lot Size Acres: 0.11
  • Lot Size Area: 0.11
  • Lot Size Dimensions: 50x97
  • Lot Size Square Feet: 4791.6
  • Lot Size Units: Acres
  • Road Surface Type: Paved

Waterfront/View

  • View: Gulf

Building Exterior/Construction

  • Architectural Style: Beach House
  • Attached Garage: true
  • Construction Materials: Stucco

General Information

  • Carport: false
  • Exterior Features: Shower
  • Pool Features: Pool Type
  • Road Frontage Type: City Street
  • Utilities: Electric,Public Water,TV Cable

Room Information

Room: Full Bathroom

  • Level: First
  • Dimensions: 7 x 8
  • Length: 7.00
  • Width: 8.00

Room: Garage

  • Level: First
  • Dimensions: 30 x 20
  • Length: 30.00
  • Width: 20.00

Room: Recreation Room

  • Level: First
  • Dimensions: 22 x 30
  • Length: 22.00
  • Width: 30.00

Room: Bedroom

  • Level: Second
  • Dimensions: 13 x 14
  • Length: 13.00
  • Width: 14.00

Room: Bedroom

  • Level: Second
  • Dimensions: 13 x 14
  • Length: 13.00
  • Width: 14.00

Room: Dining Area

  • Level: Second
  • Dimensions: 7.5 x 13.9
  • Length: 7.50
  • Width: 13.90

Room: Full Bathroom

  • Level: Second
  • Dimensions: 7 x 10
  • Length: 7.00
  • Width: 10.00

Room: Great Room

  • Level: Second
  • Dimensions: 15 x 30
  • Length: 15.00
  • Width: 30.00

Room: Kitchen

  • Level: Second
  • Dimensions: 13 x 14
  • Length: 13.00
  • Width: 14.00

Room: Bedroom

  • Level: Third
  • Dimensions: 14 x 28
  • Length: 14.00
  • Width: 28.00

Room: Full Bathroom

  • Level: Third
  • Dimensions: 7 x 9
  • Length: 7.00
  • Width: 9.00

Room: Laundry

  • Level: Third
  • Dimensions: 7 x 8
  • Length: 7.00
  • Width: 8.00

Room: Master Bathroom

  • Level: Third
  • Dimensions: 10 x 12
  • Length: 10.00
  • Width: 12.00

Room: Master Bedroom

  • Level: Third
  • Dimensions: 19 x 20.5
  • Length: 19.00
  • Width: 20.50

48 Terra Cotta Way Neighborhood

Community

32541 (Destin) Demographics

42
Median Age
1,066
Population Density (per sq. mile)
56%
College Educated
$84,865
Estimated Median Income
5,459
Estimated Total Home Owners
2,858
Estimated Total Renters
66% / 34%
Estimated Owner / Renter Divide
2
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

48 Terra Cotta Way Monthly Cost

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* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

48 Terra Cotta Way Market Data

Based on the last 30 days in this zip code

$1,023,083
Average List Price
$527
Average Price per Square Foot
73
Properties Sold
147
Average Days on Market
808
Properties for Sale
Calculations provided by Reliance Network

48 Terra Cotta Way History

Date Event Value Agent
6/13/2026Source: Emerald Coast MLS Price Reduction
$1,439,000 -0.3%
6/6/2026Source: Emerald Coast MLS Price Reduction
$1,444,000 -0.3%
5/31/2026Source: Emerald Coast MLS Price Reduction
$1,449,000 -0.7%
5/18/2026Source: Emerald Coast MLS Price Reduction
$1,459,000 -0.7%
4/18/2026Source: Emerald Coast MLS Price Reduction
$1,469,000 -0.4%
3/18/2026Source: Emerald Coast MLS Price Reduction
$1,475,000 -1.3%
10/3/2025Source: Emerald Coast MLS Added to Database
October 03, 2025