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Destin · Community

Terra Cotta Terrace Homes for Sale

A 53 lot enclave on Terra Cotta Way at Destin's eastern edge, just under six acres in all, where recorded construction dates run from 1991 to 2019 rather than clustering in one decade.

Updated

Ask About Terra Cotta TerraceMarket AnalyticsAll Destin Neighborhoods & Communities

1991

Year Built

No

Gulf Front

Year built and home figures are as published by the sources cited at the foot of this page. Confirm them against the association's own documents during diligence.

About Terra Cotta Terrace

Terra Cotta Terrace is a single recorded plat off Scenic Highway 98 near the eastern edge of Destin, and it is small enough to describe exactly: 53 parcels, 52 of them carrying a detached house and one still vacant, on just under six acres altogether. The lots are compact, the middle half of them measuring between about 0.10 and 0.13 acre, with the smallest at 0.08 and one reaching 0.28, and the county's address layer assigns 38 addresses to Terra Cotta Way itself. The familiar description of the place as a 1990s enclave does not survive the record. Actual year built runs from 1991 to 2019, with houses recorded in most years of the 1990s and a steady scattering through the 2000s and 2010s, so these streets hold nearly three decades of construction rather than one wave. Two further things the name and the setting should not be read to settle. The county assigns no floor value to any address here, so how many stories a given house carries is a question for the listing and the appraisal rather than something the public record answers, and this page publishes no story count for that reason. And while the Gulf lies about 276 feet from the nearest lot, the ground in between is privately held: the parcel roll records Greenreef townhomes, the Enclave condominiums and a restaurant parcel occupying it, with no public access parcel among them.

HOA & Fees

What is the HOA fee at Terra Cotta Terrace?

As of November 11, 2026, Terra Cotta Terrace homes for sale that report a fee on the MLS list these HOA fees:

  • Single-family homes: $199 to $226 a month, median $226 (8 listings)

Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

Based on 8 active MLS listings that report an HOA fee. See the listings

A 53 lot plat supports a small budget and a short list of shared obligations, so establish first what is actually held in common. The county roll records no separate common area parcel under this subdivision name, which means shared elements may be limited or may sit inside individual lots rather than in association ownership. Ask for the recorded declaration and the current assessment, and confirm specifically whether any beach access right runs with the lot, because the ground between this plat and the water belongs to other owners and any access would rest on a recorded easement rather than on anything the subdivision owns.

Rental Policy

Short-term rentals: allowed. Confirm the current minimum stay and registration with the association.

Terra Cotta Terrace needs two separate answers, one from the city and one from its own covenants. Census records place these lots in Destin. The city registers short stays and allows them only in named zoning districts, shown on a published map. No recorded covenants for Terra Cotta Terrace have been checked, so the leasing rule for each lot is unknown. Ask the city for the district. Then read that lot's recorded covenants.

  • 53 recorded lots on just under six acres
  • Construction dates from 1991 to 2019
  • Terra Cotta Way off Scenic Highway 98
  • Flood Zone X on the county's FEMA layer

Live Inventory

Active Listings at Terra Cotta Terrace

NewShort-Term Rental Eligible

$1,200,000

64 Terra Cotta Way

Destin, FL 32541

5 bd 4 ba 3,037 sqft
Price ReducedShort-Term Rental Eligible

$1,279,900

4768 Calatrava Court

Destin, FL 32541

4 bd 3.5 ba 2,406 sqft
Short-Term Rental Eligible

$1,450,000

4773 Calatrava Court

Destin, FL 32541

4 bd 3 ba 3,531 sqft
Price ReducedShort-Term Rental Eligible

$1,279,000

48 Terra Cotta Way

Destin, FL 32541

4 bd 4 ba 3,240 sqft
Short-Term Rental Eligible

$724,900

4761 Calatrava Court

Destin, FL 32541

2 bd 2 ba 1,420 sqft
Price ReducedShort-Term Rental Eligible

$874,800

110 Terra Cotta Way

Destin, FL 32541

3 bd 3.5 ba 2,068 sqft
Price ReducedShort-Term Rental Eligible

$1,065,000

54 Terra Cotta Way

Destin, FL 32541

4 bd 4 ba 2,193 sqft
Price ReducedShort-Term Rental Eligible

$749,000

108 Terra Cotta Way

Destin, FL 32541

2 bd 2.5 ba 1,569 sqft

The short-term rental badge above is not a permission of record. It reflects the MLS short-term-rental field where a listing discloses one, and otherwise where the home sits. Confirm the association's current rules and the local registration requirement before relying on it.

Community Answers

Terra Cotta Terrace FAQ

How much is the HOA fee at Terra Cotta Terrace?

As of November 11, 2026, Terra Cotta Terrace homes for sale that report a fee on the MLS list these HOA fees: single-family homes, $199 to $226 a month, median $226 (8 listings). Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

When were the houses at Terra Cotta Terrace built?

Across nearly three decades, not in a single 1990s wave. The county's actual year built under this plat name runs from 1991 to 2019: most years of the 1990s are represented, with further houses recorded through the 2000s and 2010s. One lot is still recorded as vacant, so infill has continued well past the original buildout.

How close is the water to Terra Cotta Terrace, and who owns the land in between?

The Gulf polygon lies about 276 feet from the nearest lot, but the ground between is privately owned. The county's parcel roll records Greenreef townhomes, the Enclave condominiums and a restaurant parcel occupying it, and no public access parcel among them, so beach access from a given house depends on recorded easement rights rather than on a public crossing.

How big is Terra Cotta Terrace, and how tall are its houses?

Fifty three parcels on just under six acres, 52 with a house and one vacant, on lots whose middle half runs between about 0.10 and 0.13 acre, the smallest 0.08 and the largest 0.28. On height the honest answer is that we do not know: the county assigns no floor value to any address here, so this page publishes no story count and a listing's own figure should be confirmed at appraisal.

Sources

Destin Condo Buildings

Other Destin Communities

Communities in This Market

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