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.
For sale
$1,075,000
54 Terra Cotta Way, Destin, FL 32541
4beds
2,193sqft
Single Family Residence
Built in 1993
4,356 Square Feet Lot
$-- Zestimate®
$490/sqft
$-- HOA
What's special
Deeded beach accessGated community pool accessBackyard patioWell-appointed kitchenMultiple entertainment spaces
- 91 days |
- 285 |
- 10 |
Zillow last checked:
Listing updated:
Listed by:
At The Beach Team 850-654-3325,
Keller Williams Realty Destin,
Martin Luus 850-296-7011,
Keller Williams Realty Destin
Source: ECAOR,MLS#: 999033
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
Primary bedroom
- Level: Third
- Area: 238 Square Feet
- Dimensions: 17 x 14
Bedroom
- Level: First
- Area: 168 Square Feet
- Dimensions: 14 x 12
Bedroom
- Level: Second
- Area: 242 Square Feet
- Dimensions: 22 x 11
Bedroom
- Description: Bunk Room
- Level: Third
- Area: 264 Square Feet
- Dimensions: 24 x 11
Primary bathroom
- Description: With tub
- Level: Third
- Area: 132 Square Feet
- Dimensions: 12 x 11
Bathroom
- Level: First
- Area: 40 Square Feet
- Dimensions: 8 x 5
Bathroom
- Level: Second
- Area: 40 Square Feet
- Dimensions: 8 x 5
Bathroom
- Level: Third
- Area: 80 Square Feet
- Dimensions: 8 x 10
Family room
- Level: Second
- Area: 252 Square Feet
- Dimensions: 18 x 14
Garage
- Level: First
- Area: 480 Square Feet
- Dimensions: 24 x 20
Kitchen
- Level: Second
- Area: 204 Square Feet
- Dimensions: 17 x 12
Pantry
- Level: Second
- Area: 9 Square Feet
- Dimensions: 3 x 3
Heating
- Central
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Cooktop, Dishwasher, Dryer, Freezer, Microwave, Refrigerator, Washer, Electric Water Heater
- Laundry: Washer/Dryer Hookup
Features
- Breakfast Bar, Recessed Lighting, Newly Painted, Owner's Closet, Pantry
- Flooring: Laminate, Tile
- Furnished: Yes
- Common walls with other units/homes: No Common Walls
Interior area
- Total structure area: 2,193
- Total interior livable area: 2,193 sqft
Property
Parking
- Total spaces: 2
- Parking features: Garage Door Opener, Golf Cart Garage, Other, Garage, See Remarks
- Garage spaces: 2
Features
- Stories: 3
- Patio & porch: Covered, Deck, Patio
- Exterior features: Outdoor Grill
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
Lot
- Size: 4,356 Square Feet
- Dimensions: 49 x 90
- Features: Covenants, Cul-De-Sac, See Remarks, Within 1/2 Mile to Water
Details
- Parcel number: 002S22249900000090
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subtype: Single Family Residence
Materials
- Frame, Stucco
- Roof: Slate
Condition
- Construction Complete
- New construction: No
- Year built: 1993
Utilities & green energy
- Water: Public
Community & HOA
Community
- Features: Beach, Community Room, Deed Access, Pool, Tennis Court(s), Pickleball, Short Term Rental - Allowed
- Subdivision: TERRA COTTA TERRACE
HOA
- Has HOA: Yes
- Services included: Maintenance Grounds, Recreational Faclty
Location
- Region: Destin
Financial & listing details
- Price per square foot: $490/sqft
- Tax assessed value: $777,053
- Annual tax amount: $9,846
- Date on market: 3/27/2026
- Road surface type: Paved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 3/27/2026 | Listed for sale | $1,075,000-4.4%$490/sqft |
Source:  ECAOR #999033 Report a problem | ||
| 10/1/2025 | Listing removed | $1,125,000$513/sqft |
Source:  PAR #649131 Report a problem | ||
| 7/30/2025 | Price change | $1,125,000-1.7%$513/sqft |
Source:  Navarre Area BOR #951520 Report a problem | ||
| 1/21/2025 | Listed for sale | $1,145,000$522/sqft |
Source: Navarre Area BOR #951520 Report a problem | ||
| 11/19/2024 | Listing removed | $1,145,000$522/sqft |
Source: PAR #649131 Report a problem | ||
| 11/13/2024 | Price change | $1,145,000-4.2%$522/sqft |
Source: Navarre Area BOR #951520 Report a problem | ||
| 6/5/2024 | Listed for sale | $1,195,000+46.2%$545/sqft |
Source: Navarre Area BOR #951520 Report a problem | ||
| 7/10/2023 | Listing removed | -- |
Source: ECAOR #873905 Report a problem | ||
| 7/9/2021 | Sold | $817,500+9.1%$373/sqft |
Source: ECAOR #873905 Report a problem | ||
| 6/13/2021 | Pending sale | $749,000$342/sqft |
Source: ECAOR #873905 Report a problem | ||
| 6/9/2021 | Listed for sale | $749,000+52.9%$342/sqft |
Source: ECAOR #873905 Report a problem | ||
| 2/27/2018 | Sold | $490,000-7.5%$223/sqft |
Source: ECAOR #782072 Report a problem | ||
| 8/25/2017 | Listed for sale | $530,000+3.1%$242/sqft |
Source: SRE #782072 Report a problem | ||
| 4/18/2015 | Listing removed | $514,000$234/sqft |
Source: Emerald Coast Properties, Inc. Report a problem | ||
| 3/26/2015 | Listed for sale | $514,000-0.4%$234/sqft |
Source: Emerald Coast Properties, Inc. #716273 Report a problem | ||
| 7/10/2014 | Listing removed | $515,900$235/sqft |
Source: The Premier Property Group #610875 Report a problem | ||
| 1/11/2014 | Listed for sale | $515,900$235/sqft |
Source: The Premier Property Group #610875 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $8,950 +6% | $737,587 -1.6% |
| 2023 | $8,443 +14.9% | $749,562 +23% |
| 2022 | $7,346 +26% | $609,576 +29.8% |
| 2021 | $5,832 +7.9% | $469,665 +8.7% |
| 2020 | $5,407 +4.4% | $432,171 +5.8% |
| 2019 | $5,180 +0.7% | $408,390 +2% |
| 2018 | $5,142 | $400,456 +8.3% |
| 2017 | $5,142 | $369,789 +0.9% |
| 2016 | -- | $366,633 +2.7% |
| 2015 | -- | $356,915 +11.3% |
| 2014 | -- | $320,689 +5.8% |
| 2013 | -- | $302,986 -0.4% |
| 2012 | -- | $304,202 -4.3% |
| 2011 | -- | $317,884 -4% |
| 2010 | -- | $331,158 -14.3% |
| 2009 | -- | $386,514 -18.4% |
| 2008 | -- | $473,680 -12.3% |
| 2007 | -- | $539,978 +133.2% |
| 2006 | -- | $231,563 +3% |
| 2005 | -- | $224,818 +3% |
| 2004 | -- | $218,270 +1.9% |
| 2003 | -- | $214,200 +2.4% |
| 2002 | -- | $209,180 +3.3% |
| 2001 | -- | $202,422 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
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: 32541
Nearby schools
GreatSchools rating
- 9/10Destin Middle SchoolGrades: 5-8Distance: 2 mi
- 5/10Fort Walton Beach High SchoolGrades: 9-12Distance: 14.5 mi
- 10/10Destin Elementary SchoolGrades: PK-4Distance: 5.7 mi
Schools provided by the listing agent
- Elementary: Destin
- Middle: Destin
- High: Fort Walton Beach
Source: ECAOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Okaloosa County
- Destin
- 32541
- 54 Terra Cotta Way
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