Curious about this home?

Ask anything — no agents, no pressure

Try asking

About This Home

This 4-bedroom, 4-bathroom single family at 54 Terra Cotta Way in Destin, FL is listed for $1,075,000 ($490 per sqft). Built in 1993, the home offers 2,193 sqft of living space on a 0.10 acres lot.

Agent Description

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, th

is 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.

Key Features

  • Built in 1993
  • 0.10 acre lot
  • 3 stories

Property Details

3 stories
4 full
1993

Amenities

A/C

Monthly Cost Estimate

$5,975/mo

20% down · 6.5% · 30 years

Principal$777
Interest$4,658
Insurance$314
HOA$226

Estimates only. Actual payments may vary.

Location

54 Terra Cotta Way

Destin, FL 32541

TERRA COTTA TERRACE

Features & Amenities

Interior Features

Breakfast BarLighting RecessedNewly PaintedOwner's ClosetPantryWasher/Dryer Hookup

Exterior Features

BBQ Pit/Grill

Property Details

Flooring

TileLaminate

Construction

Frame Stucco

Pool Features

DeckPatio

Parking

OpenGarage

Heating

Central

Cooling

Central Air

Appliances

Auto Garage Door OpnCooktopDishwasherDryerFreezerMicrowaveRefrigeratorStove/Oven ElectricWasherWater Heater - Elect

Questions & Answers

This 4-bedroom, 4-bathroom single family at 54 Terra Cotta Way is listed at $1,075,000 ($490/sqft). The estimated monthly payment is $4,884 based on 20% down at 6.5% interest.

HOA fees are $226/month.

Key features include: Built in 1993, 0.10 acre lot, 3 stories. Interior Features: Breakfast Bar, Lighting Recessed, Newly Painted. Exterior Features: BBQ Pit/Grill.

This property is listed by At The Beach Team and can be reached at 8506543325 or johnmoran@atthebeachteam.com.

AT

At The Beach Team

Agent at Keller Williams Realty Destin

(850) 654-3325

Listed by Keller Williams Realty Destin · View on Broker Site

MLS# 999033· Source: listhub· Updated 68 days ago

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.

54 Terra Cotta Way, Destin, FL 32541

Open this listing in: