# 54 Terra Cotta Way, Destin, FL 32541 > **TL;DR:** 4bd/4ba single family, $1,065,000 ($486/sqft), built 1993, 2,193 sqft. > A/C, 2-car garage. Est. $5,922/mo. Listed 206 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,065,000 | | Price/sqft | $486 | | Bedrooms | 4 | | Bathrooms | 4 full | | Square Feet | 2,193 | | Year Built | 1993 | | Lot Size | 4,356 sqft (0.10 acres) | | Stories | 3 | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 206 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $5,385 | | Estimated Insurance | $311 | | HOA | $226 | | **Total** | **$5,922** | ## Nearby Schools - **Elementary:** Destin - **Middle:** Destin - **High:** Fort Walton Beach ## Key Amenities - A/C - 2-car garage ## Property Highlights - Built in 1993 - 0.10 acre lot - 3 stories ## Description ### 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, 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. ## Location - **Address:** 54 Terra Cotta Way, Destin, FL 32541 - **County:** Okaloosa - **Neighborhood:** TERRA COTTA TERRACE - **Coordinates:** 30.381308, -86.400305 - **Google Maps:** https://www.google.com/maps?q=30.381308,-86.400305 ## Listing Agent - **Name:** At The Beach Team - **Brokerage:** Keller Williams Realty- Emerald Coast - **Phone:** 8506543325 - **Broker Phone:** (850) 654-2900 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/54-Terra-Cotta-Way_Destin_FL_32541_M63765-27098?f=listhub&s=ECARMLSFL&m=999033&c=propsimple) ## Photos ![54 Terra Cotta Way - Photo 1](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3108304816r.jpg) ![54 Terra Cotta Way - Photo 2](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3609050012r.jpg) ![54 Terra Cotta Way - Photo 3](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1251898794r.jpg) ![54 Terra Cotta Way - Photo 4](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1751602034r.jpg) ![54 Terra Cotta Way - Photo 5](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2341932975r.jpg) ![54 Terra Cotta Way - Photo 6](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3819284894r.jpg) ![54 Terra Cotta Way - Photo 7](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3566688024r.jpg) ![54 Terra Cotta Way - Photo 8](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f4129407163r.jpg) ![54 Terra Cotta Way - Photo 9](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2746464876r.jpg) ![54 Terra Cotta Way - Photo 10](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1817962482r.jpg) ![54 Terra Cotta Way - Photo 11](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1455515050r.jpg) ![54 Terra Cotta Way - Photo 12](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f27541499r.jpg) ![54 Terra Cotta Way - Photo 13](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3231209218r.jpg) ![54 Terra Cotta Way - Photo 14](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3335405503r.jpg) ![54 Terra Cotta Way - Photo 15](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1543949716r.jpg) ![54 Terra Cotta Way - Photo 16](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f216805641r.jpg) ![54 Terra Cotta Way - Photo 17](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f452737789r.jpg) ![54 Terra Cotta Way - Photo 18](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1218075362r.jpg) ![54 Terra Cotta Way - Photo 19](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3437701807r.jpg) ![54 Terra Cotta Way - Photo 20](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1888329711r.jpg) ![54 Terra Cotta Way - Photo 21](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f4240767966r.jpg) ![54 Terra Cotta Way - Photo 22](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1015081874r.jpg) ![54 Terra Cotta Way - Photo 23](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2452006858r.jpg) ![54 Terra Cotta Way - Photo 24](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2300427934r.jpg) ![54 Terra Cotta Way - Photo 25](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2366464518r.jpg) ![54 Terra Cotta Way - Photo 26](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3777683541r.jpg) ![54 Terra Cotta Way - Photo 27](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1180481186r.jpg) ![54 Terra Cotta Way - Photo 28](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1506346787r.jpg) ![54 Terra Cotta Way - Photo 29](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2128109323r.jpg) ![54 Terra Cotta Way - Photo 30](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1145597262r.jpg) ![54 Terra Cotta Way - Photo 31](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2772756779r.jpg) ![54 Terra Cotta Way - Photo 32](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f4148111318r.jpg) ![54 Terra Cotta Way - Photo 33](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2327431303r.jpg) ![54 Terra Cotta Way - Photo 34](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f928093916r.jpg) ![54 Terra Cotta Way - Photo 35](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3747768407r.jpg) ![54 Terra Cotta Way - Photo 36](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1510367243r.jpg) ![54 Terra Cotta Way - Photo 37](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2946960441r.jpg) ![54 Terra Cotta Way - Photo 38](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3929688318r.jpg) ![54 Terra Cotta Way - Photo 39](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2558433844r.jpg) ![54 Terra Cotta Way - Photo 40](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3036071373r.jpg) ![54 Terra Cotta Way - Photo 41](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1278799153r.jpg) ![54 Terra Cotta Way - Photo 42](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2531194529r.jpg) ![54 Terra Cotta Way - Photo 43](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f772075472r.jpg) ![54 Terra Cotta Way - Photo 44](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1664774375r.jpg) ![54 Terra Cotta Way - Photo 45](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f404356944r.jpg) ![54 Terra Cotta Way - Photo 46](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3366354154r.jpg) ![54 Terra Cotta Way - Photo 47](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1510494718r.jpg) ![54 Terra Cotta Way - Photo 48](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3246569774r.jpg) ![54 Terra Cotta Way - Photo 49](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1345149973r.jpg) ![54 Terra Cotta Way - Photo 50](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2510876295r.jpg) ![54 Terra Cotta Way - Photo 51](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f1917084859r.jpg) ![54 Terra Cotta Way - Photo 52](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3845279417r.jpg) ![54 Terra Cotta Way - Photo 53](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f2004769563r.jpg) ![54 Terra Cotta Way - Photo 54](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f3104328303r.jpg) ![54 Terra Cotta Way - Photo 55](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f140763789r.jpg) ![54 Terra Cotta Way - Photo 56](http://lh.rdcpix.com/bad264e4a15b19bdbe40c8c553f2a516l-f875012644r.jpg) --- **MLS#:** 999033 | **Updated:** 2026-10-16 **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/54-terra-cotta-way-destin-fl-32541-l999033) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/54-terra-cotta-way-destin-fl-32541-l999033#listing", "url": "https://www.propertysimple.ai/listing/54-terra-cotta-way-destin-fl-32541-l999033", "name": "54 Terra Cotta Way, Destin, FL 32541", "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, 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. 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