Listing provided courtesy of Keller Williams Realty Destin- MLS# 999033MLS Provider

54 Terra Cotta WayDestin, FL 32541

Single Family · 4 Beds · 4 Full Baths · 2,193 Sq. ft. | 0.10 Acres
$1,075,000 Active

54 Terra Cotta Way Overview

Time on Site:
94 days
Visits:
1

Discover the perfect blend of location, comfort, and investment opportunity at 54 Terra Cotta Terrace. This beautifully designed 4-bedroom, 4-bathroom beach home spans 2,193 square feet of thoughtfully laid-out living space and is perfectly positioned just a short stroll from the sugar-white sands and emerald waters of the Gulf--with deeded beach access making every day feel like a vacation. From the moment you step inside, you're welcomed by a bright, open-concept living area filled with natural light and coastal elegance. The home's three-story layout offers ideal separation of space, making it perfect for hosting guests, accommodating multiple families, or maximizing rental income. Three of the four spacious bedrooms are paired with its own full bath, creating a true retreat for owners and guests alike. The well-appointed kitchen, multiple entertainment spaces, private deck with peekaboo Gulf view and backyard patio provide the perfect setting for entertaining or unwinding after a day at the beach. Located within the desirable Terra Cotta Terrace community, residents enjoy gated community pool access, pickle ball/tennis courts, sand volleyball and deeded beach access, all just minutes from Destin's top dining, shopping, and entertainment. Whether you're searching for a primary residence, second home, or a high-performing short-term rental, this property checks every box--with rental projections exceeding $120K+ annually offering serious income potential. Opportunities like this--combining location, lifestyle, and income--are rare. Don't miss your chance to own a turnkey beach home in one of the most sought-after destinations on the Emerald Coast. Buyer to verify all information. Professional photos will be added soon.

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54 Terra Cotta Way Facts & Features

  • Type Single Family
  • Sq. ft. 2,193
  • Price/Sq.ft. $490
  • Lot 0.10 Acres

Details

General

Association/HOA

  • Association Fee Includes: Ground Keeping,Master Association,Recreational Faclty
  • Association: true

School Information

  • Elementary School: Destin
  • Middle Or Junior School: Destin
  • High School: Fort Walton Beach

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,Pickle Ball,Beach,Community Room,Deed Access,Pets Allowed,Pool,Tennis

Tax Information

  • Tax Annual Amount: 9846.58
  • Tax Year: 2025

General Information

  • Parcel Number: 00-2S-22-2499-0000-0090
  • 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: 2193.0

General Information

  • Appliances: Auto Garage Door Opn,Cooktop,Dishwasher,Dryer,Freezer,Microwave,Refrigerator,Stove/Oven Electric,Washer,Water Heater - Elect
  • Interior Features: Breakfast Bar,Lighting Recessed,Newly Painted,Owner's Closet,Pantry,Washer/Dryer Hookup
  • Rooms Total: 12
  • Stories: 3

Exterior

Parking Information

  • Parking Features: Garage,Golf Cart Open,See Remarks,Other

Lot Information

  • Lot Features: Covenants,Cul-De-Sac,Within 1/2 Mile to Water,See Remarks
  • Lot Size Acres: 0.1
  • Lot Size Area: 0.1
  • Lot Size Dimensions: 49 x 90
  • Lot Size Square Feet: 4356.0
  • Lot Size Units: Acres
  • Road Surface Type: Paved

Waterfront/View

  • View: Gulf

Building Exterior/Construction

  • Architectural Style: Contemporary
  • Attached Garage: false
  • Construction Materials: Frame,Stucco

General Information

  • Carport: false
  • Exterior Features: BBQ Pit/Grill
  • Pool Features: Pool Type
  • Road Frontage Type: City Street
  • Utilities: Electric,Public Water

Room Information

Room: Bedroom

  • Level: First
  • Dimensions: 14 x 12
  • Length: 14.00
  • Width: 12.00

Room: Full Bathroom

  • Level: First
  • Dimensions: 8 x 5
  • Length: 8.00
  • Width: 5.00

Room: Garage

  • Level: First
  • Dimensions: 24 x 20
  • Length: 24.00
  • Width: 20.00

Room: Bedroom

  • Level: Second
  • Dimensions: 22 x 11
  • Length: 22.00
  • Width: 11.00

Room: Family Room

  • Level: Second
  • Dimensions: 18 x 14
  • Length: 18.00
  • Width: 14.00

Room: Full Bathroom

  • Level: Second
  • Dimensions: 8 x 5
  • Length: 8.00
  • Width: 5.00

Room: Kitchen

  • Level: Second
  • Dimensions: 17 x 12
  • Length: 17.00
  • Width: 12.00

Room: Pantry

  • Level: Second
  • Dimensions: 3 x 3
  • Length: 3.00
  • Width: 3.00

Room: Bedroom

  • Level: Third
  • Dimensions: 24 x 11
  • Length: 24.00
  • Width: 11.00
  • Description: Bunk Room

Room: Full Bathroom

  • Level: Third
  • Dimensions: 8 x 10
  • Length: 8.00
  • Width: 10.00

Room: Master Bathroom

  • Level: Third
  • Dimensions: 12 x 11
  • Length: 12.00
  • Width: 11.00
  • Description: With tub

Room: Master Bedroom

  • Level: Third
  • Dimensions: 17 x 14
  • Length: 17.00
  • Width: 14.00

54 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.

54 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.

54 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

54 Terra Cotta Way History

Date Event Value Agent
3/26/2026Source: Emerald Coast MLS Added to Database
March 26, 2026