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For sale
  • $775,000

    108 Terra Cotta Way, Destin, FL 32541

    2beds
    1,569sqft
    : 
    Single Family Residence
    Built in 1999
    4,791.6 Square Feet Lot
    $-- Zestimate®
    $494/sqft
    $225/mo HOA

    What's special

    Modern touches throughoutPrivate heated poolDeeded gated beach accessTwo luxurious master suitesPrivate oasisBbq grillsStorybook white custom cabinetry
    Breathtaking Coastal Luxury Just Steps from the Sand! Welcome to 108 Terra Cotta Way, an exquisite, fully remodeled beach house w. garage offering the perfect blend of refined elegance, resort-style living, and exceptional investment potential. Nestled within the exclusive Terra Cotta Terrace community, this captivating home features deeded, gated beach access, a private heated pool, and a garage, all designed for effortless coastal living. From the moment you arrive, you'll be drawn to the home's fresh exterior paint, updated landscaping, and tranquil surroundings. Inside, soaring ceilings and an open layout create a bright, airy atmosphere flooded with natural light. Every detail has been thoughtfully curated, showcasing new flooring, designer lighting,and modern touches throughout! The chef's kitchen is a true showpiece, featuring storybook white custom cabinetry, endless quartzite countertops, and new stainless steel appliances - perfect for entertaining or quiet evenings at home. Bathrooms have been beautifully updated with new cabinets, mirrors, lighting, and spa-like finishes, offering a serene and refined experience. This spacious sanctuary boasts two luxurious master suites, ideal for hosting family, friends, or vacation guests. Step outside to your private oasis, where the re-surfaced Marcite pool, privacy wall, and lush setting create a tranquil resort-style escape - perfect for relaxing after a day at the beach. This home shines as both a full-time residence or income-producing coastal investment. With low HOA fees, residents enjoy access to exceptional community amenities including a community pool, tennis and pickleball courts, sand volleyball, BBQ grills, and a clubhouse for gatherings and events. One of Terra Cotta Terrace's most appreciated features is its quiet, non-cut-through streets, offering a peaceful, exclusive neighborhood ideal for morning walks, bike rides, and a true sense of serenity. The private gated beach access is just steps away -perfectly positioned between The Crab Trap and Pompano Joe's on Scenic Gulf Drive. Ideally located near beachfront dining, boutique shopping, championship golf, world-class fishing, Destin Commons, and Silver Sands Premium Outlets, this property offers a rare combination of luxury, location, and lifestyle. More than a home, 108 Terra Cotta Way is a coastal retreat, private haven, and unforgettable destination - where memories are made and guests never want to leave.
    53 days
    |
    711
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    25
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    Zillow last checked: 8 hours ago

    Listing updated: January 12, 2026 at 01:22pm

    Listed by:

    Kyle V Hock 850-225-6893,

    RealJoy Realty LLC

    Source: ECAOR,MLS#: 992506MLS Logo

    Tour with a local agent

    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 2
    • Bathrooms: 3
    • Full bathrooms: 2
    • 1/2 bathrooms: 1
    Primary bedroom
    • Level: First
    • Area: 225 Square Feet
    • Dimensions: 15 x 15
    Bedroom
    • Level: First
    • Area: 225 Square Feet
    • Dimensions: 15 x 15
    Kitchen
    • Level: First
    • Area: 180 Square Feet
    • Dimensions: 12 x 15
    Living room
    • Level: First
    • Area: 396 Square Feet
    • Dimensions: 18 x 22
    Heating
    • Central
    Cooling
    • Central Air, Ceiling Fan(s)
    Appliances
    • Included: Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer, Electric Water Heater
    • Laundry: Common Area, Washer/Dryer Hookup
    Features
    • Breakfast Bar, Vaulted Ceiling(s), Newly Painted, Owner's Closet, Pantry
    • Flooring: Laminate, Vinyl, Carpet
    • Windows: Plantation Shutters, Window Treatments
    • Furnished: Yes
    • Common walls with other units/homes: No Common Walls
    Interior area
    • Total structure area: 1,569
    • Total interior livable area: 1,569 sqft

    Property

    Parking
    • Parking features: Garage Door Opener
    Features
    • Stories: 1
    • Patio & porch: Covered, Deck, Porch
    • Exterior features: Private Yard
    • Pool features: In Ground
    • Fencing: Full,Privacy
    Lot
    • Size: 4,791.6 Square Feet
    • Dimensions: 37 x 101
    • Features: Within 1/2 Mile to Water
    Details
    • Parcel number: 002S22249900000360
    • Zoning description: City

    Construction

    Type & style
    • Home type: SingleFamily
    • Architectural style: Beach House
    • Property subtype: Single Family Residence
    Materials
    • Stucco
    • Roof: Slate
    Condition
    • Construction Complete,Renovated
    • New construction: No
    • Year built: 1999

    Utilities & green energy

    • Water: Public

    Community & HOA

    Community
    • Features: Beach, Community Room, Deed Access, Dumpster, Picnic Area, Pool, TV Cable, Tennis Court(s), Pickleball, Short Term Rental - Allowed
    • Security: Smoke Detector(s)
    • Subdivision: TERRA COTTA TERRACE
    HOA
    • Has HOA: Yes
    • Services included: Land Recreation, Licenses/Permits, Recreational Faclty, Services
    • HOA fee: $225 monthly
    Location
    • Region: Destin

    Financial & listing details

    • Price per square foot: $494/sqft
    • Tax assessed value: $547,668
    • Annual tax amount: $6,488
    • Date on market: 1/12/2026
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    Estimated market value

    Not available

    Estimated sales range

    Not available

    Not available

    Price history

    Price history
    DateEventPrice
    1/12/2026Listed for sale$775,000-6.1%$494/sqft
    Source: ECAOR #992506 Report a problem
    8/16/2024Listing removed--
    Source: ECAOR #940087 Report a problem
    5/9/2024Price change$825,000-2.8%$526/sqft
    Source: ECAOR #940087 Report a problem
    2/28/2024Price change$849,000-4%$541/sqft
    Source: ECAOR #940087 Report a problem
    2/24/2024Pending sale$884,500$564/sqft
    Source: ECAOR #940087 Report a problem
    1/30/2024Price change$884,500-0.5%$564/sqft
    Source: ECAOR #940087 Report a problem
    1/15/2024Listed for sale$889,000+24.8%$567/sqft
    Source: ECAOR #940087 Report a problem
    9/26/2023Sold$712,500-4.4%$454/sqft
    Source: ECAOR #931527 Report a problem
    9/6/2023Pending sale$745,000$475/sqft
    Source: ECAOR #931527 Report a problem
    9/5/2023Price change$745,000-0.1%$475/sqft
    Source: ECAOR #931527 Report a problem
    9/2/2023Listed for sale$745,900$475/sqft
    Source: ECAOR #931527 Report a problem
    8/26/2023Listing removed--
    Source: ECAOR #929806 Report a problem
    8/24/2023Price change$745,900-5.1%$475/sqft
    Source: ECAOR #929806 Report a problem
    8/16/2023Price change$785,8990%$501/sqft
    Source: ECAOR #929806 Report a problem
    8/12/2023Listed for sale$785,900+6.9%$501/sqft
    Source: ECAOR #929806 Report a problem
    8/10/2023Listing removed$734,900$468/sqft
    Source: ECAOR #926834 Report a problem
    8/8/2023Price change$734,900-0.7%$468/sqft
    Source: ECAOR #926834 Report a problem
    8/6/2023Price change$739,900-0.4%$472/sqft
    Source: ECAOR #926834 Report a problem
    8/3/2023Price change$742,900-0.4%$473/sqft
    Source: ECAOR #926834 Report a problem
    7/30/2023Price change$745,900-0.5%$475/sqft
    Source: ECAOR #926834 Report a problem
    7/28/2023Price change$749,900-0.5%$478/sqft
    Source: ECAOR #926834 Report a problem
    7/27/2023Pending sale$754,000$481/sqft
    Source: ECAOR #926834 Report a problem
    7/26/2023Price change$754,000-0.8%$481/sqft
    Source: ECAOR #926834 Report a problem
    7/24/2023Listed for sale$759,900+35.6%$484/sqft
    Source: ECAOR #926834 Report a problem
    5/23/2023Sold$560,400$357/sqft
    Source: Public Record Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax assessment
    2024$6,488 +3.4%$547,668 +4.2%
    2023$6,277 +147.5%$525,430 +111.1%
    2022$2,536 +0.3%$248,862 +3%
    2021$2,528 +0.9%$241,614 +1.4%
    2020$2,507 +1.3%$238,278 +2.3%
    2019$2,475 +1%$232,921 +1.9%
    2018$2,452 $228,578 +2.1%
    2017$2,452 +0.6%$223,877 +2.1%
    2016$2,437 +2.8%$219,272 +0.7%
    2015$2,371 -1.4%$217,748 +0.8%
    2014$2,404 $216,020 +1.5%
    2013-- $212,828 -0.3%
    2012-- $213,474 -4.2%
    2011-- $222,891 -4.8%
    2010-- $234,046 -16.5%
    2009-- $280,193 -22.1%
    2008-- $359,586 -9.3%
    2007-- $396,388 -14.2%
    2006-- $462,096 +50.8%
    2005-- $306,518 +26.1%
    2004-- $243,163 +27.5%
    2003-- $190,781 +1.2%
    2002-- $188,518 +2.2%
    2001-- $184,482

    Find assessor info on the county website

    BuyAbility℠ payment

    Est. payment
    $4,687/mo
    Principal & interest
    $3668
    Property taxes
    $794
    HOA Fees
    $225

      Climate risks

      Neighborhood: 32541

      Getting around

      17 / 100
      Car-Dependent
      44 / 100
      Somewhat Bikeable

      Nearby schools

      GreatSchools rating
      Schools provided by the listing agent
      • Elementary: Destin
      • Middle: Destin
      • High: Destin

      Source: ECAOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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