Skip main navigation
Accepting backups
  • Price cut: $10.9K (5/14)
    $429,000

    109 Gulf Terrace Ln, Port Saint Joe, FL 32456

    2beds
    1,008sqft
    : 
    $2,740/mo
    Get pre-qualified
    Single Family Residence
    Built in 2021
    9,975 Square Feet Lot
    $-- Zestimate®
    $426/sqft
    $-- HOA

    What's special

    Fenced backyardKitchen has quartz countertopsStainless steel ge appliances
    THIS FLORIDA BEACH COTTAGE IS PERFECT FOR A FULL-TIME RESIDENCE, PERSONAL GETAWAY OR INVESTMENT OPPORTUNITY (long or short-term rental) and NO HOA!! Constructed in 2021, this charming, fully furnished 2 bedroom 2 bath property is ready to meet all of your coastal needs. Currently, it is being utilized as a primary residence and has not been on the rental market. The gravel drive affords ample parking and a 30 amp RV hookup. This home is within walking distance of St. Joe Beach, known for its clean, sugar-white sand and dog-friendly environment. Situated on almost a quarter-acre lot, the property features a fenced backyard, with a storage building to house beach supplies and tools. The backyard also has plenty of space to accommodate a pool. A self propelled lawnmower will also remain. Inside, there is an open floor plan featuring vaulted ceilings in the living area. The kitchen has quartz countertops and stainless steel GE appliances. Hot water is never an issue with a Rheem Performance tankless (electric) water heater. In addition, there is beautiful LVP flooring throughout the home. The floor plan includes two bedrooms separated by a guest bathroom, which is equipped with a shower/tub combo, quartz sink, and storage closet. The guest bedroom is positioned at the front of the house, while the master bedroom, with a raised ceiling, is located on the other side of the guest bathroom. It also includes an en-suite bathroom with dual quartz sinks, and a spacious, tiled shower. The laundry room contains a Maytag washer and dryer. For extra storage, there is a pantry cabinet. Just outside of the laundry room, you will find a second screened porch, with patio furniture and a TV. The front screened porch includes patio furniture and a gas fire pit. If you are not in the mood for a walk to the beach, the 3 block golf cart ride (GOLF CART INCLUDED) gets you to the sand in no time! CALL FOR A SHOWING TODAY ON THIS TURN-KEY FLORIDA COTTAGE!
    192 days
    |
    99
    |
    0
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Leilani Bruner 229-726-5228,

    Coastal Realty Group - Port St. Joe

    Source: Forgotten Coast Realtor Association,MLS#: 325016MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 2
      • Full bathrooms: 2
      Primary bedroom
      • Features: Blinds, See Remarks
      Primary bathroom
      • Features: Double Vanity, Shower Only, Tile Counters
      Heating
      • Heat Pump
      Cooling
      • Heat Pump
      Appliances
      • Included: Dishwasher, Exhaust Fan, Microwave, Refrigerator w/Ice Maker
      • Laundry: Washer/Dryer Hookup
      Features
      • Newly Painted, See Remarks, Split Bedroom, Whole House Fan
      • Windows: Double Pane Windows
      • Has fireplace: No
      • Furnished: Yes
      Interior area
      • Total structure area: 1,488
      • Total interior livable area: 1,008 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 4
      • Parking features: Driveway
      • Has uncovered spaces: Yes
      Features
      • Patio & porch: Covered Porch, See Remarks
      • Fencing: Back Yard,Full,Privacy,Vinyl,Wood
      Lot
      • Size: 9,975 Square Feet
      • Dimensions: 48 x 208
      • Features: Cleared, Covenants/Restrictions, Level, Subdivided, Within 1/2 Mile of Water, Improved Lot, Landscaped
      Details
      • Additional structures: See Remarks, Storage
      • Parcel number: 03816735R
      • Zoning description: Residential Single Family
      • Special conditions: As Is

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Florida Cottage
      • Property subtype: Single Family Residence
      Materials
      • HardiPlank Type, Vinyl Siding, Wood Siding
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • Construction Complete
      • Year built: 2021
      • Major remodel year: 2021

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public, Tap Fee Paid
      • Utilities for property: Cable Available, Electricity Connected, Internet Available, Natural Gas Available, Phone Available, See Remarks, Sewer Connected, Tap Fee Paid, Underground Utilities, Water Connected, County Trash

      Community & HOA

      Community
      • Security: Smoke Detector(s)
      • Subdivision: The Highlands Subdivision
      Location
      • Region: Port Saint Joe

      Financial & listing details

      • Price per square foot: $426/sqft
      • Tax assessed value: $379,452
      • Annual tax amount: $3,898
      • Date on market: 1/15/2026
      • Listing terms: Cash,Conventional,FHA,VA Loan

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        5/14/2026Price change$429,000-2.5%$426/sqft
        Source: Forgotten Coast Realtor Association #325016 Report a problem
        1/15/2026Listed for sale$439,900+5.5%$436/sqft
        Source: Forgotten Coast Realtor Association #325016 Report a problem
        3/15/2023Sold$417,000-2.5%$414/sqft
        Source: Forgotten Coast Realtor Association #313142 Report a problem
        2/4/2023Contingent$427,900$425/sqft
        Source: Forgotten Coast Realtor Association #313142 Report a problem
        1/15/2023Listed for sale$427,900+511.3%$425/sqft
        Source: Forgotten Coast Realtor Association #313142 Report a problem
        6/24/2021Sold$70,000$69/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$3,898 -4.4%$379,452 -1.1%
        2024$4,077 +395.7%$383,840 +448.3%
        2023$822 +11.8%$70,000 +22.8%
        2022$736 +8.7%$57,000 +14%
        2021$677 -2.6%$50,000
        2020$695 +78.5%$50,000 +25%
        2019$389 +0%$40,000 +42.9%
        2018$389 +4.9%$28,000
        2017$371 $28,000 +3.7%
        2016$371 +2.4%$27,000 +35%
        2015$362 +26.1%$20,000
        2014$287 $20,000 -57.7%
        2009-- $47,250 -30%
        2008-- $67,500 -34.8%
        2007-- $103,500 -23.3%
        2006-- $134,910
        2005-- $134,910
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 32456

        Getting around

        0 / 100
        Car-Dependent
        32 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

        A local agent can set up tours, give advice and negotiate with sellers.

        Browse local experts

        Similar homes