For sale Home

Listed Mar 25, 2026

$1,065,000 Est. $7,044/mo

54 Terra Cotta Way

  • 4

    Beds

  • 4

    Baths

  • 2,193

    Sq ft

The story

  • Pool

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.

Facts & features

Home type

Home

Year built

1993

Floors

3

Price per sq ft

$486

Parking

2-car garage

Included features

  • Pool

    Yes

  • Cooling

    Ceiling Fans, Central Air

  • Heating

    Central

  • Appliances

    Auto Garage Door Opn, Cooktop, Dishwasher, Dryer, Freezer, Microwave, Refrigerator, Stove/Oven Electric, Washer, Water Heater - Elect

  • Flooring

    Floor Laminate, Floor Tile

  • Roof

    Slate

  • Lot Information

    Covenants, Cul-De-Sac, Within 1/2 Mile to Water

  • Exterior

    BBQ Pit/Grill

  • Water Source

    Public

  • Sewer

    Public Sewer

Mortgage calculator

Estimated monthly payment

$7,044 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $5,668
  • Property tax $1,065
  • Insurance $311

Includes principal, interest, taxes & insurance.

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Listing Broker

Keller Williams Realty Destin

Broker Name

Keller Williams Realty Destin

Agent

At The Beach Team