About This Home

This 4-bedroom, 4-bathroom single family at 392 Terrapin in Destin, FL is listed for $1,499,000 ($424 per sqft). Built in 2002, the home offers 3,535 sqft of living space on a 0.24 acres lot.

Key Features

  • Built in 2002
  • 0.24 acre lot
  • 2 stories
  • 7 parking spaces
  • Fireplace

Property Details

2 stories
3 full, 1 half
3-car garage
2002

Amenities

FireplaceA/C
Listing Description

Enjoy privacy and coastal living in this custom-built home, bordered by a natural preserve along the side and rear. Located within a gated, 900-acre community, the home offers convenient access to a short walking trail leading to Bayou Park. Beautiful curb appeal welcomes you with a paver driveway leading to a three-car garage featuring epoxy flooring and ample room for a golf cart.

A pillared entrance opens to a polished-tile foyer, introducing the quality craftsmanship found throughout the home. Impressive columns and crown molding define the spacious great room, while a nearby breakfast nook provides a comfortable setting for casual dining.

A granite-topped bar adds a welcoming touch for entertaining. Doors open to an expansive screened terrace surrounded by lush greenery, offering generous space for outdoor dining and relaxing in the in-ground heated spa/pool. The first-floor primary suite provides a private retreat with a distinctive bay window and dual walk-in closets.

The spacious primary bath features a jetted tub, two cultured marble vanities and a walk-in shower. Also on the main level are a powder room, a large laundry room with a sink and abundant storage, a versatile bonus room or office/bedroom with a built-in bunk and closet.

Upstairs, oversized guest bedrooms. An additional bonus room with built-in shelving provide plenty of space for more storage. Whole house generator & central vacuum system. Ideal as a full-time residence or a peaceful second home, this property is close to an array of clubs and amenities, including tennis and pickleball courts, a yoga and fitness center, playgrounds, community pools and a fenced dog park.

An 18-hole golf course with stunning bay views enhances the coastal lifestyle, with Destin Commons, Choctawhatchee Bay and the beaches all within easy reach. System updates include a water heater installed in 2026 and a roof replaced in 2022; HVAC- 2017. See the Documents section for the complete list of upgrades and improvements.

Monthly Cost Estimate

$8,997/mo

20% down · 6.5% · 30 years

Principal$1,084
Interest$6,496
Insurance$437
HOA$980

Estimates only. Actual payments may vary.

Location

392 Terrapin

Destin, FL 32541

KELLY PLANTATION

Features & Amenities

Interior Features

Breakfast BarBuilt-In BookcasesCeiling Crwn MoldingCeiling RaisedCeiling Tray/CofferdKitchen IslandLighting RecessedPantryPull Down StairsShelvingWasher/Dryer HookupWet BarWoodwork Painted

Exterior Features

Rain GutterHot TubSprinkler System

Property Details

Flooring

TileCarpet

Construction

Frame Siding CmntFbrHrdBrd

Outdoor Features

Porch

Parking

Garage

Heating

Natural Gas

Cooling

Central Air

Appliances

Auto Garage Door OpnCentral VacuumCooktopDishwasherDisposalDryerMicrowaveOven DoubleRefrigeratorRefrigerator W/IceMkSmoke DetectorSmooth Stovetop RngeStove/Oven ElectricWasherWater Heater - Gas

Questions & Answers

This 4-bedroom, 4-bathroom single family at 392 Terrapin is listed at $1,499,000 ($424/sqft). The estimated monthly payment is $8,997 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $980/month.

Key features include: Built in 2002, 0.24 acre lot, 2 stories, 7 parking spaces, Fireplace. Interior Features: Breakfast Bar, Built-In Bookcases, Ceiling Crwn Molding. Exterior Features: Rain Gutter, Hot Tub, Sprinkler System.

This property is listed by Elizabeth R Nicolucci.

EN

Elizabeth R Nicolucci

License 3293374

Agent at Coldwell Banker Realty

Listed by Coldwell Banker Realty · Broker phone: (850) 501-1545 · View on Broker Site · Broker website

MLS# 1014664· Source: Emerald Coast Association of Realtors· 1 day on PropertySimple

Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

392 Terrapin, Destin, FL 32541

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