About This Home

This 4-bedroom, 4-bathroom single family at 48 Terra Cotta Way in Destin, FL is listed for $1,349,000 ($416 per sqft). Built in 1993, the home offers 3,240 sqft of living space on a 0.11 acres lot.

Key Features

  • Built in 1993
  • 0.11 acre lot
  • 3 stories
  • 6 parking spaces
  • Fireplace

Property Details

3 stories
4 full
6 spaces
1993

Amenities

FireplaceHardwood
Listing Description

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.

Monthly Cost Estimate

$7,414/mo

20% down · 6.5% · 30 years

Principal$976
Interest$5,846
Insurance$393
HOA$199

Estimates only. Actual payments may vary.

Location

48 Terra Cotta Way

Destin, FL 32541

TERRA COTTA TERRACE

Features & Amenities

Interior Features

Ceiling RaisedFireplace 2+Lighting RecessedWasher/Dryer HookupWoodwork Painted

Exterior Features

Shower

Property Details

Flooring

TileHardwood

Construction

Stucco

Outdoor Features

Patio

Parking

Oversize

Appliances

Auto Garage Door OpnCooktopDishwasherDisposalDryerMicrowaveRange HoodRefrigerator W/IceMkSmoke DetectorStove/Oven ElectricWasherWater Heater - Elect

Questions & Answers

This 4-bedroom, 4-bathroom single family at 48 Terra Cotta Way is listed at $1,349,000 ($416/sqft). The estimated monthly payment is $7,413 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $199/month.

Key features include: Built in 1993, 0.11 acre lot, 3 stories, 6 parking spaces, Fireplace. Interior Features: Ceiling Raised, Fireplace 2+, Lighting Recessed. Exterior Features: Shower.

This property is listed by Chip Jervis and can be reached at 8509743300.

CJ

Chip Jervis

License 3010025

Agent at Destin Legacy Real Estate LLC

(850) 974-3300
Agent website

Listed by Destin Legacy Real Estate LLC · Broker phone: (850) 974-3300 · View on Broker Site · Broker website

MLS# 1011036· Source: Emerald Coast Association of Realtors· 20 days 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.

48 Terra Cotta Way, Destin, FL 32541

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