$949,000
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78 ter RA Cotta Way, Destin, FL 32541

3 Beds
3 Baths
1,860 Sq Ft

A Luxuriously Remodeled Beach Retreat Featuring a Private Heated Saltwater Pool and Exclusive Beach Access awaits! 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. 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.

  • MLS# 989925
  • Date Listed11/19/2025
  • Days on Realty 8 Days
  • Bedrooms 3
  • Bathrooms 3 Full baths
  • Lot Size 0.1 acres (4,356 sq. ft)
  • Sewer Public Sewer
  • Subdivision TERRA COTTA TERRACE
  • Property Type Single Family
  • County Okaloosa
  • Year Built 1994
  • Water Public
  • Square Feet 1,860 sq. ft
  • Price Per Sq. Ft $510.22

Interior Features

  • Appliances Dishwasher, Double Oven, Refrigerator, Gas Cooktop, Microwave, Oven, Electric Water Heater, Disposal
  • Flooring Tile
  • Cooling Ceiling Fan(s), Central Air
  • Heating Electric, Central

Exterior / Lot Features

  • Exterior Balcony
  • Roof Tile
  • Lot Size Acres 0.10
  • Lot Size SQFT 4,356.00
  • Lot Features -

Financial Considerations

  • HOA Fee $199 Monthly

Sales & Tax History

Source: Public Records

Population & Environment

Source: Sperling's Best Places

Walkability in FL / 32541

Source: Walkscore

23/100

Car-Dependent

Walk Score ®

38/100

Bikable

Bike Score ®

Overview

Almost all errands require a car. It is possible to get on a bus. Minimal bike infrastructure.

Walkability averages in the surrounding area

The average walkability score in the surrounding area is Walk Score: 20/100, Transit Score: 0/100, Bike Score: 36/100.

Property Change History

Property description updated with new details

Points of Interest near 78 Terra Cotta Way, Destin, FL 32541

Frequently Asked Questions for 78 Terra Cotta Way

Source: Realty.com

78 Terra Cotta Way, Destin, FL 32541 is a Single Family 1,860 sq. ft. home listed for sale. Realty.com has 106 photos available of this 3 bed, 3 bath house, listed at $949,000. View sales and tax history, use our mortgage calculator and more on Realty.com

Realty.com has 106 photos of 78 Terra Cotta Way.

Our records indicate that 78 Terra Cotta Way was built in 1994.

The full address for this home is 78 Terra Cotta Way, Destin, FL 32541.

78 Terra Cotta Way has been listed on Realty.com since Wed November 19, 2025

Almost all errands require a car. It is possible to get on a bus. Minimal bike infrastructure.

The average walkability score in the surrounding area is Walk Score: 20/100, Transit Score: 0/100, Bike Score: 36/100.

There are 3 schools assigned to this home. Check out the schools near 78 Terra Cotta Way. Destin (Grades: K - 5), Destin Middle School (Grades: 5 - 8), Destin High School (Grades: 9 - 12)

Listing provided courtesy of: Realjoy Realty Llc (tel: 850-290-8060)
Listing agent: Kyle Hock (tel: 850-225-6893) (#E27886)

This content last refreshed on 2025-11-27 05:38:51. Some properties which appear for sale on this web site may subsequently have sold or may no longer be available.

Export listing data of 78 Terra Cotta Way, Destin, FL 32541 : MLS# 989925