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.
For sale
$775,000
108 Terra Cotta Way, Destin, FL 32541
2beds
1,569sqft
Est.:
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
- 53 days |
- 711 |
- 25 |
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#: 992506
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
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 1/12/2026 | Listed for sale | $775,000-6.1%$494/sqft |
Source: | ||
| 8/16/2024 | Listing removed | -- |
Source: | ||
| 5/9/2024 | Price change | $825,000-2.8%$526/sqft |
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| 2/28/2024 | Price change | $849,000-4%$541/sqft |
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| 2/24/2024 | Pending sale | $884,500$564/sqft |
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| 1/30/2024 | Price change | $884,500-0.5%$564/sqft |
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| 1/15/2024 | Listed for sale | $889,000+24.8%$567/sqft |
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| 9/26/2023 | Sold | $712,500-4.4%$454/sqft |
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| 9/6/2023 | Pending sale | $745,000$475/sqft |
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| 9/5/2023 | Price change | $745,000-0.1%$475/sqft |
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| 9/2/2023 | Listed for sale | $745,900$475/sqft |
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| 8/26/2023 | Listing removed | -- |
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| 8/24/2023 | Price change | $745,900-5.1%$475/sqft |
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| 8/16/2023 | Price change | $785,8990%$501/sqft |
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| 8/12/2023 | Listed for sale | $785,900+6.9%$501/sqft |
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| 8/10/2023 | Listing removed | $734,900$468/sqft |
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| 8/8/2023 | Price change | $734,900-0.7%$468/sqft |
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| 8/6/2023 | Price change | $739,900-0.4%$472/sqft |
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| 8/3/2023 | Price change | $742,900-0.4%$473/sqft |
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| 7/30/2023 | Price change | $745,900-0.5%$475/sqft |
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| 7/28/2023 | Price change | $749,900-0.5%$478/sqft |
Source: | ||
| 7/27/2023 | Pending sale | $754,000$481/sqft |
Source: | ||
| 7/26/2023 | Price change | $754,000-0.8%$481/sqft |
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| 7/24/2023 | Listed for sale | $759,900+35.6%$484/sqft |
Source: | ||
| 5/23/2023 | Sold | $560,400$357/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax 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
Nearby schools
GreatSchools rating
- 8/10Destin Middle SchoolGrades: 5-8Distance: 1.9 mi
- 5/10Fort Walton Beach High SchoolGrades: 9-12Distance: 14.4 mi
- 10/10Destin Elementary SchoolGrades: PK-4Distance: 5.6 mi
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.







