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Harrison Lilly

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

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108 Terra Cotta Way , Destin, FL 32541
$775,000
Est. Payment: $3,930.65/mo
2 Bed
3 Bath
1569 Sqft
Status: active | Days on site: 176
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House 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 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.

Highlights

Listed by Kyle V Hock , 850-225-6893 RealJoy Realty LLC , 850-290-8060. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.11

HOA Fee

Year Built

1999

County

Okaloosa

Area

14 - Destin

Neighborhood

Terra Cotta Terrace

Listing ID

992506

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Oven Continue Clean, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Laminate,Floor Vinyl,Floor WW Carpet New
Other:
  • Additional:Breakfast Bar, Ceiling Raised, Newly Painted, Owner's Closet, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Within 1/2 Mile to Water
Lot Dimensions:37x101
Zoning:City
Others:
  • Additional:Fenced Back Yard, Deck Covered, Deck Open, Porch, Porch Open, Fenced Lot-All, Fenced Privacy
Sewer:Public Sewer
Principal Interest
$3,931
Taxes
$541
HOA
$0

Home Price

$775,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$155,000
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:
$3,930.65

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,930.65 $540.67 $0.00 $4,471.32
Yearly $47,167.85 $6,488.01 $0.00 $53,655.86
Total $1,415,035.36 $194,640.30 $0.00 $1,609,675.66

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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