108 Terra Cotta Way

Destin, FL 32541

$775,000
Price
2
Beds
1,569 Sq. Ft.
$494 / Sq. Ft.
1,569
Sq. Ft.
$494
per Sq. Ft.
a front view of a house with garden and trees
a front view of a house with a yard and potted plants
a view of an chairs and table in the patio
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a kitchen with cabinets and stainless steel appliances
a dining room with furniture and a kitchen view
a room with kitchen island a sink and a flat screen tv
a open kitchen with stainless steel appliances granite countertop a stove and a sink with chair
a living room with furniture and a flat screen tv
a dining room with furniture and window
a utility room with dryer and washer
a spacious bedroom with a bed and a flat screen tv
a bedroom with a bed and a flat screen tv
a white bath tub sitting next to a bathroom
a bathroom with a double vanity sink mirror and bathtub
a bathroom with a double vanity sink and mirror with toilet
a bedroom with a bed dresser and a window
a bathroom with a sink and a mirror
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a view of a tennis court
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Description

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...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.
  1. Listed by Kyle V Hock • RealJoy Realty LLC
    P: (850)-225-6893 C: (850)-225-6893 kyle.hock@realjoy.com

Property Details for 108 Terra Cotta Way

Zoning
City
Architectural Style
Beach House
Subdivision Name
TERRA COTTA TERRACE
LISTING UPDATED: 01/12/2026 03:22 PM

Property Details for 108 Terra Cotta Way

StatusActive
MLS #992506
Days on Market20
Taxes$6,488 / year
HOA Fees$225 / month
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Detached Single Family
Year Built1999
Lot Size0.11 AC / 4,791 SF
CountyOkaloosa County

Location

Listing Courtesy of RealJoy Realty LLC
Add your commute

Building Information for 108 Terra Cotta Way

Stories1Year Built1999Building Size-Lot Size0.11 AC / 4,791 SF

Payment Calculator

$4,543 per month

30 year fixed, 6.15% Interest

Principal and Interest

$3,777

Property Taxes

$541

HOA Dues

$225

The Payment Calculator is for illustrative purposes only.

Property Information for 108 Terra Cotta Way

Summary
Location and General Information
  • Community Features: Pickle Ball, Beach, Community Room, Deed Access, Dumpster, Laundry, Picnic Area, Pool, Tennis, TV Cable
  • Directions: Head South on FL-293 S, 0.6 mi; Continue Straight onto Hutchinson St., 0.4 Mi; Turn left onto Scenic Hwy 98, 1.6 mi; Turn Left onto Terra Cotta Way, 0.2 mi.
  • MLS Area Minor: 1404 - Destin Beach East
  • MLS Area Major: 14 - Destin
  • Latitude: 30.382897
  • Longitude: -86.399679
  • Location Tax and Legal:Sub Area: 1404 - Destin Beach East
  • Location Tax and Legal:Elementary School: Destin
  • Location Tax and Legal:Middle School: Destin
  • Location Tax and Legal:High School: Destin
  • Location Tax and Legal:Legal Description: TERRA COTTA TERRACE LOT 36
  • Project Facilities: Beach, Community Room, Deed Access, Dumpster, Laundry, Pickle Ball, Picnic Area, Pool2, Short Term Rental - Allowed, Tennis, TV Cable3
  • Garage 2: false
Taxes and HOA
  • Association Fee Frequency: Monthly
  • Association Fee Includes: Accounting, Land Recreation, Licenses/Permits, Master Association, Recreational Faclty, Services
  • Association Fee2: $225
  • Tax Legal Description: TERRA COTTA TERRACE LOT 36
  • Parcel Number: 00-2S-22-2499-0000-0360
  • Association Fee: $0
  • Association YN: Yes
  • Tax Annual Amount: $6,488
  • Listing Info Tax Legal:Last Taxes: $6,488
  • Listing Info Tax Legal:Last Tax Year: 2024.0
School Information
  • Elementary School: Destin
  • Middle Or Junior School: Destin
  • High School: Destin
Parking
  • Carport YN: No
Property
Lot Information
  • Building Area Source: County PA Records
  • Lot Size Dimensions: 37x101
  • Lot Size Acres: 0.11
  • Lot Size Area: 0.11
  • Lot Size Units: Acres
  • Property Condition: Renovated, Construction Complete
  • Lot Features: Within 1/2 Mile to Water
  • Building Area Total: 1569.0
  • Lot Size Square Feet: 4791.6
  • General Property Info:SqFt Source: County PA Records
  • Lot Features: Within 12 Mile to Water
Property and Assessments
  • Tax Year: 2024.0
  • Floor Plans Count: 0.0
  • Property Type: Residential
  • Year Built: 1999.0
  • Property Sub Type: Detached Single Family
  • New Construction YN: No
  • General Property Info:Sub-Type: Detached Single Family
  • General Property Info:Design: Beach House
  • Listing Info Tax Legal:Homestead: false
  • Construction Status: Construction Complete
  • Construction Siding: Roof TileSlate, Stucco
Utilities
  • Sewer: Public Sewer
  • Utilities: Electric, Public Water
  • Electric: True
  • Utilities: Electric, Public Sewer, Public Water
  • Energy: AC - Central Elect, AC - High Efficiency, Ceiling Fans, Heat Cntrl Electric, Water Heater - Elect
Interior and Exterior Features
Exterior Features
  • Exterior Features: Fenced Back Yard
  • Construction Materials: Stucco
  • Stories: 1.0
  • Pool Features: Pool - In-Ground, Pool Type
  • Patio And Porch Features: Deck Covered, Deck Open, Porch, Porch Open
  • Fencing: Fenced Lot-All, Fenced Privacy
  • General Property Info:Pool: Yes
  • General Property Info:Pool Type: Private
  • Exterior: Deck Covered, Deck Open, Fenced Back Yard, Fenced Lot-All, Fenced Privacy, Pool - In-Ground, Porch, Porch Open, Renovated
Interior Features
  • Heating: Central
  • Cooling: Ceiling Fans, Central Air
  • Interior Features: Breakfast Bar, Ceiling Raised, Newly Painted, Owner's Closet, Pantry, Washer/Dryer Hookup
  • Flooring: Floor Laminate, Floor Vinyl, Floor WW Carpet New
  • Window Features: Plantation Shutters, Window Treatment All
  • Room Type: Bedroom, Master Bedroom, Living Room, Kitchen
  • Rooms Total: 4.0
  • Bathrooms Total Integer: 3.0
  • Bathrooms Total Decimal: 2.5
  • Bathrooms Total Notational: 2.1
  • Cooling YN: Yes
  • Heating YN: Yes
  • Bedrooms Total: 2.0
  • Bathrooms Full: 2.0
  • Bathrooms Half: 1.0
  • Interior: Breakfast Bar, Ceiling Raised, Floor Laminate, Floor Vinyl, Floor WW Carpet New, Furnished - All, Newly Painted, Owner's Closet, Pantry, Plantation Shutters, Renovated2, WasherDryer Hookup, Window Treatment All
  • Appliances: Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Oven Continue Clean, Refrigerator, Refrigerator WIceMk, Smoke Detector, StoveOven Electric, Washer
Room Information
Room 1
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 15.0
  • Room Width: 15.0
  • Room Dimensions: 15 x 15
Room 2
  • Room Type: Master Bedroom
  • Room Level: First
  • Room Length: 15.0
  • Room Width: 15.0
  • Room Dimensions: 15 x 15
Room 3
  • Room Type: Living Room
  • Room Level: First
  • Room Length: 18.0
  • Room Width: 22.0
  • Room Dimensions: 18 x 22
Room 4
  • Room Type: Kitchen
  • Room Level: First
  • Room Length: 12.0
  • Room Width: 15.0
  • Room Dimensions: 12 x 15
Multi Family
Multi Family Information
  • Furnished: Furnished - All
Rental
Rent Information
  • Listing Info Tax Legal:Is Subject Leased: false

Property History for 108 Terra Cotta Way

DateEvent & SourcePriceAppreciation
Jan 12, 2026

Listed (Active)

ECAR #992506

$775,000—
Jul 5, 2024

Expired

ECAR #940087

$825,000—
Feb 27, 2024

Listed (Active)

ECAR #940087

$889,000—
Sep 26, 2023

Sold

ECAR #931527

$712,500—
Sep 25, 2023

Sold (Public Record)

Public Record #1521515638

$712,500—
Sep 6, 2023

Pending

ECAR #931527

—
Sep 2, 2023

Listed (Active)

ECAR #931527

$745,900—
Aug 26, 2023

Withdrawn

ECAR #929806

$745,900—
Aug 12, 2023

Withdrawn

ECAR #926834

$734,900—
Aug 12, 2023

Listed (Active)

ECAR #929806

$785,900—
Jul 28, 2023

Listed (Active)

ECAR #926834

$799,900—
Jul 3, 2023

Withdrawn

ECAR #926836

$799,900—
Jul 3, 2023

Withdrawn

ECAR #926314

$799,900—
Jul 3, 2023

Price Change

ECAR #926836

$799,900—
Jun 30, 2023

Listed (Active)

ECAR #926314

$819,900—
Jun 1, 2023

Withdrawn

ECAR #924306

$689,900—
May 29, 2023

Listed (Active)

ECAR #924306

$689,900—
May 23, 2023

Withdrawn

ECAR #923089

$684,900—
May 12, 2023

Listed (Active)

ECAR #923089

$719,900—
DateEvent & SourcePrice
01/12/2026

Listed (Active)

ECAR #992506

$775,000
07/05/2024

Expired

ECAR #940087

$825,000
02/27/2024

Listed (Active)

ECAR #940087

$889,000
09/26/2023

Sold

ECAR #931527

$712,500
09/25/2023

Sold (Public Record)

Public Record #1521515638

$712,500
09/06/2023

Pending

ECAR #931527

—
09/02/2023

Listed (Active)

ECAR #931527

$745,900
08/26/2023

Withdrawn

ECAR #929806

$745,900
08/12/2023

Withdrawn

ECAR #926834

$734,900
08/12/2023

Listed (Active)

ECAR #929806

$785,900
07/28/2023

Listed (Active)

ECAR #926834

$799,900
07/03/2023

Withdrawn

ECAR #926836

$799,900
07/03/2023

Withdrawn

ECAR #926314

$799,900
07/03/2023

Price Change

ECAR #926836

$799,900
06/30/2023

Listed (Active)

ECAR #926314

$819,900
06/01/2023

Withdrawn

ECAR #924306

$689,900
05/29/2023

Listed (Active)

ECAR #924306

$689,900
05/23/2023

Withdrawn

ECAR #923089

$684,900
05/12/2023

Listed (Active)

ECAR #923089

$719,900

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 108 Terra Cotta Way

Taxable ValueLand$247,972Additions$341,410Total$589,382
Tax Record2025$6,980 ($582 / month)
Home Facts
Beds2Total Finished SqFt1,569 SqFtAbove Grade Finished SqFt1,569 SqFtStories1Lot Size4,781 SqFtStyleSingle Family ResidenceYear Built1999CountyOKALOOSAAPN00-2S-22-2499-0000-0360

Schools near 108 Terra Cotta Way

This home is within Okaloosa County School District.
Rating
School
Type
Grades
Distance
Destin Elementary School
Public - PK to 4
Destin Middle School
Public - 5 to 8
Fort Walton Beach High School
Public - 9 to 12
Destin High School
Charter - 9 to 12
Rating
School
Distance
Destin Elementary School
PublicPK to 4

Destin Middle School
Public5 to 8

Fort Walton Beach High School
Public9 to 12

Destin High School
Charter9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 108 Terra Cotta Way, Destin, FL 32541

108 Terra Cotta Way is a single family home for sale in Destin, FL 32541. This property was listed for sale on January 12, 2026 by RealJoy Realty LLC, it's currently listed at $775,000. It has been on the market for a total of 20 days and was last sold on September 26, 2023. This listing's school district is Okaloosa County School District. Nearby schools include Destin Elementary School, Destin Middle School and Fort Walton Beach High School. 108 Terra Cotta Way is a 2-bed, 3-bath, 1,569 sqft single family home built in 1999.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of RealJoy Realty LLC

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.