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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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4000 Gulf Terrace Dr Unit 263 , Destin, FL 32541
$195,000
Est. Payment: $989.00/mo
1 Bed
1 Bath
738 Sqft
Status: active | Days on site: 2
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Copper Cay -- a stylish coastal retreat in the heart of Destin! Perfectly positioned for easy access to everything the Emerald Coast is known for, this beautifully updated condo places you just minutes from deep sea fishing, Crab Island, sugar-white sand beaches, waterfront dining, shopping, and entertainment. Whether you're looking for a full-time residence, vacation getaway, or investment opportunity, this location delivers the ultimate Destin lifestyle. This spacious 1-bedroom, 1-bath condo offers approximately 800 square feet of comfortable living, blending industrial farmhouse charm with warm copper accents for a unique and inviting feel. Inside, you'll find an updated kitchen with granite countertops, newer appliances, and hardwood flooring throughout. The open layout creates a cozy yet functional space, and the convenience of your own private washer and dryer makes everyday living easy. Best of all, all appliances convey for a move-in-ready opportunity. The community offers resort-style amenities including 3 pools (one conveniently located right next to the building), tennis courts, outdoor grilling areas, a community room, and a peaceful lake walkover just steps away. Whether you're searching for a low-maintenance beachside escape or a smart investment in one of Destin's most desirable areas, Copper Cay offers the perfect blend of comfort, charm, and coastal convenience.

Highlights

Listed by Nikki Segraves Wood , 850-420-0955 ERA American Real Estate , 850-651-2454. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1973

County

Okaloosa

Area

14 - Destin

Neighborhood

Gulf Terrace Condo

Listing ID

1006602

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Dishwasher, Dryer, Refrigerator, Smooth Stovetop Rnge, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Fireplace

Exterior Features

Others:
  • Additional:Patio Covered, Porch Open
Sewer:Public Sewer
Principal Interest
$989
Taxes
$124
HOA
$0

Home Price

$195,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$39,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$989.00

Principal

Taxes

Principal Taxes HOA Total
Monthly $989.00 $124.31 $0.00 $1,113.32
Yearly $11,868.04 $1,491.75 $0.00 $13,359.79
Total $356,041.15 $44,752.50 $0.00 $400,793.65

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Destin, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:16:22.000Z

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