# 48 Terra Cotta Way, Destin, FL 32541

> **TL;DR:** 4bd/4ba single family, $1,349,000 ($416/sqft), built 1993, 3,240 sqft.
> Fireplace, Hardwood. Est. $7,413/mo. Listed 18 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $1,349,000 |
| Price/sqft | $416 |
| Bedrooms | 4 |
| Bathrooms | 4 full |
| Square Feet | 3,240 |
| Year Built | 1993 |
| Lot Size | 4,792 sqft (0.11 acres) |
| Stories | 3 |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 18 |

## Why This Home Stands Out

- **Hardwood Floors** - Hardwood flooring listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $6,821 |
| Estimated Insurance | $393 |
| HOA | $199 |
| **Total** | **$7,413** |

## Nearby Schools

- **Elementary:** Destin
- **Middle:** Destin
- **High:** Destin

## Key Amenities

- Fireplace
- Hardwood

## Property Highlights

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

## Description

### Agent 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.

## Location

- **Address:** 48 Terra Cotta Way, Destin, FL 32541
- **County:** Okaloosa
- **Neighborhood:** TERRA COTTA TERRACE
- **Coordinates:** 30.380904, -86.400308
- **Google Maps:** https://www.google.com/maps?q=30.380904,-86.400308

## Listing Agent

- **Name:** Chip Jervis · **License:** 3010025
- **Brokerage:** Destin Legacy Real Estate LLC
- **Phone:** 8509743300
- **Broker Phone:** (850) 974-3300
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/48-Terra-Cotta-Way_Destin_FL_32541_M63686-63984?f=listhub&s=ECARMLSFL&m=1011036&c=propsimple)

## Photos

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---

**MLS#:** 1011036 | **Updated:** 2026-09-18
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.ai/listing/48-terra-cotta-way-destin-fl-32541-1011036)

---

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