An exceptional master piece of coastal design awaits. Luxuriously remodeled and perfectly located, this home features exclusive beach access and a private heated saltwater pool. 78 Terra Cotta Way, an exquisitely reimagined 3-bedroom + office/bunk room, 3-bath luxury beach home featuring a private heated saltwater pool and exclusive deeded, gated beach access, perfectly situated in the prestigious Terra Cotta Terrace community. This remodeled coastal haven welcomes you with a new roof, tropical landscaping, a brick paver driveway, a charming covered front porch, fresh 2021 exterior paint with completed stucco inspection, and additional outdoor storage added to the exterior of the home. Read more... Inside, the open-concept layout is elevated by Calacatta Gold tile flooring, crisp white trim, an elegant real wood-burning fireplace, and designer finishes throughout, The totally remodeled chef's kitchen showcases breathtaking Misterio Vico Subra quartz waterfall countertops, Storybook greige lower cabinetry, Charlotte Beach upper cabinetry, champagne hardware, a gas range with double oven, and a stunning glass subway tile backsplash, all hand-crafted to create a luxurious statement for your friends, family and vacationing guests. The spacious bedrooms and spa-like bathrooms offer comfort and serenity, while the flexible office/bunk room provides the perfect space for guests/bunk room or remote work. The second-floor master suite invites you onto a serene private balcony facing east, where each morning greets you with Destin's breathtaking sunrise - an intimate moment that we all need. The first-floor primary suite provides effortless luxury as well, offering elegant French-door access to the sparkling pool. Outside, the pool area features a remarkable motorized shade system that extends from the home to cover the water, creating a blissfully cool retreat during the warm summer months.
The third bedroom enjoys direct access to the third bathroom, which also opens to the hallway for added convenience. The spacious bunk room, currently utilized as an office, offers generous versatility and can easily adapt to suit your needs.
Outdoors, the property transforms into a private resort with a sparkling heated saltwater pool, cool deck surround, privacy fencing, a side patio ideal for dining and entertaining, and a multi-zoned sprinkler system. Additional upgrades include a 2025 concrete tile roof, 2023 water heater- ensuring a truly wonderful experience. The driveway hold 3 vehicles.
This home is equipped with Miami-Dade-approved hurricane protection, providing top-tier safety and peace of mind during storm season and showcasing impact standards, ensuring year-round durability and reduced insurance costs.
For added convenience, the property includes two outdoor storage closets - perfect for keeping beach gear, bicycles, sports equipment, gardening tools, or any other items you want easily accessible yet neatly tucked away.
Additionally, the home is future-ready with a dedicated receptacle for a Level 2 electric vehicle (EV) charger. Whether you already own an EV or plan to in the future, the setup is in place to support fast and efficient home charging.
One of the most appreciated features of Terra Cotta Terrace is that the community streets are not used as "cut-through" routes. This ensures a quieter, more exclusive atmosphere and perfect for morning walks, bike rides, and a true sense of neighborhood serenity. Residents also enjoy exceptional amenities such as a clubhouse, community pool, tennis and pickleball courts, sand volleyball, and proximity to a new on-site restaurant (see picture), all just steps from the private gated beach access across Scenic Hwy 98. Ideally positioned near beachfront dining, boutique shopping, championship golf, world-class fishing, Destin Commons, and Silver Sands Premium Outlets, this home offers an unparalleled blend of luxury and location. More than a residence, 78 Terra Cotta Way is a coastal retreat designed for effortless living and unforgettable moments - a destination where families, friends, and vacationers will never want to leave.
Pending
$949,000
78 Terra Cotta Way, Destin, FL 32541
3beds
1,860sqft
Est.:
Single Family Residence
Built in 1994
4,356 Square Feet Lot
$-- Zestimate®
$510/sqft
$199/mo HOA
What's special
Designer finishes throughoutExclusive beach accessLuxuriously remodeledSpacious bedroomsNew roofPrivate heated saltwater poolPrivacy fencing
- 106 days |
- 343 |
- 10 |
Zillow last checked: 8 hours ago
Listing updated: February 09, 2026 at 05:49am
Listed by:
Kyle V Hock 850-225-6893,
RealJoy Realty LLC
Source: ECAOR,MLS#: 989925
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Primary bedroom
- Level: First
- Area: 228 Square Feet
- Dimensions: 19 x 12
Primary bedroom
- Level: Second
- Area: 160 Square Feet
- Dimensions: 16 x 10
Bedroom
- Level: Second
- Area: 180 Square Feet
- Dimensions: 15 x 12
Other
- Level: Second
- Area: 45 Square Feet
- Dimensions: 5 x 9
Kitchen
- Level: First
- Area: 168 Square Feet
- Dimensions: 12 x 14
Living room
- Level: First
- Area: 342 Square Feet
- Dimensions: 19 x 18
Heating
- Central, Heat High Efficiency
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Dishwasher, Disposal, Microwave, Double Oven, Range Hood, Refrigerator, Electric Water Heater
- Laundry: Washer/Dryer Hookup
Features
- Breakfast Bar, Recessed Lighting, Newly Painted, Owner's Closet, Pantry, Woodwork Painted
- Flooring: Tile
- Windows: Window Treatments, Hurricane Shutters
- Has fireplace: Yes
- Common walls with other units/homes: No Common Walls
Interior area
- Total structure area: 1,860
- Total interior livable area: 1,860 sqft
Property
Features
- Stories: 2
- Patio & porch: Covered, Deck, Patio, Porch
- Exterior features: Balcony, Private Yard, Sprinkler System
- Has private pool: Yes
- Pool features: Heated, In Ground, Gunite
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
Lot
- Size: 4,356 Square Feet
- Dimensions: 105 x 40
- Features: Sidewalk, Within 1/2 Mile to Water
Details
- Parcel number: 002S22249900000210
- Zoning description: City, Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Beach House
- Property subtype: Single Family Residence
Materials
- Frame, Stucco
- Roof: Slate
Condition
- Construction Complete,Renovated
- New construction: No
- Year built: 1994
Utilities & green energy
- Water: Public
Community & HOA
Community
- Features: BBQ Pit/Grill, Beach, Community Room, Deed Access, Pavillion/Gazebo, 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, Recreational Faclty
- HOA fee: $199 monthly
Location
- Region: Destin
Financial & listing details
- Price per square foot: $510/sqft
- Tax assessed value: $635,969
- Annual tax amount: $3,790
- Date on market: 11/20/2025
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 2/9/2026 | Pending sale | $949,000$510/sqft |
Source: | ||
| 11/20/2025 | Listed for sale | $949,000+238.9%$510/sqft |
Source: | ||
| 8/26/2002 | Sold | $280,000+27.3%$151/sqft |
Source: Public Record Report a problem | ||
| 3/15/2001 | Sold | $220,000$118/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,790 +2.5% | $358,603 +3% |
| 2023 | $3,699 +2.4% | $348,158 +3% |
| 2022 | $3,610 +0.2% | $338,017 +3% |
| 2021 | $3,603 +0.8% | $328,172 +1.4% |
| 2020 | $3,575 +1.2% | $323,641 +2.3% |
| 2019 | $3,534 +0.9% | $316,365 +1.9% |
| 2018 | $3,504 | $310,466 +2.1% |
| 2017 | -- | $304,080 +2.1% |
| 2016 | -- | $297,826 +0.7% |
| 2015 | -- | $295,756 +10.3% |
| 2014 | $3,438 | $268,102 +7.4% |
| 2013 | -- | $249,694 -0.3% |
| 2012 | -- | $250,535 -4.1% |
| 2011 | -- | $261,352 -4.2% |
| 2010 | -- | $272,909 -15.3% |
| 2009 | -- | $322,070 -20.3% |
| 2008 | -- | $404,011 -10.4% |
| 2007 | -- | $450,706 -12.4% |
| 2006 | -- | $514,558 +45.4% |
| 2005 | -- | $353,798 +26.2% |
| 2004 | -- | $280,324 +39.1% |
| 2003 | -- | $201,459 +24.5% |
| 2002 | -- | $161,777 +3.2% |
| 2001 | -- | $156,756 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$5,663/mo
Principal & interest
$4491
Property taxes
$973
HOA Fees
$199
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.








