Searching ...

Enjoy privacy and coastal living in this custom-built home, bordered by a natural preserve along the side and rear. Located within a gated, 900-acre community, the home offers convenient access to a short walking trail leading the bayou. Beautiful curb appeal welcomes you with a paver driveway leading to a three-car garage featuring epoxy flooring and ample room for a golf cart. A pillared entrance opens to a polished-tile foyer, introducing the quality craftsmanship found throughout the home. Impressive columns and crown molding define the spacious great room, while a nearby breakfast nook provides a comfortable setting for casual dining. A granite-topped bar adds a welcoming touch for entertaining. Doors open to an expansive screened terrace surrounded by lush greenery, offering generous space for outdoor dining and relaxing in the in-ground heated spa/pool. The first-floor primary suite provides a private retreat with a distinctive bay window and dual walk-in closets. The spacious primary bath features a jetted tub, two cultured marble vanities and a walk-in shower. Also on the main level are a powder room, a large laundry room with a sink and abundant storage, a versatile bonus room or office/bedroom with a built-in bunk and closet. Upstairs, oversized guest bedrooms. An additional bonus room with built-in shelving provide plenty of space for more storage. Whole house generator & central vacuum system. Ideal as a full-time residence or a peaceful second home, this property is close to an array of clubs and amenities, including tennis and pickleball courts, a yoga and fitness center, playgrounds, community pools and a fenced dog park. An 18-hole golf course with stunning bay views enhances the coastal lifestyle, with Destin Commons, Choctawhatchee Bay and the beaches all within easy reach. System updates include a water heater installed in 2026 and a roof replaced in 2022; HVAC- 2017. See the Documents section for the complete list of upgrades and improvements.

Highlights

  • Residential
  • Single Family Residence
  • Built in 2002
  • 0.24 Acre Lot
  • $980/qtr HOA
  • 3 Car Garage
  • 7 days on Market

  • Bedrooms
    4
  • Bathrooms
    3 full · 1 half
  • Year Built
    2002
  • Stories
    2.0
  • Architectural Style
    Traditional
  • Construction Materials
    Frame
  • Foundation
    Slab
  • Garage Spaces
    3.0
  • Parking Features
    Attached, Garage Door Opener, Garage
  • Interior Features
    Vaulted Ceiling(s), Pantry, Wet Bar, Kitchen Island, Central Vacuum, Breakfast Bar, Recessed Lighting, Bookcases, Crown Molding, Tray Ceiling(s)
  • Appliances
    Dryer, Dishwasher, Microwave, Refrigerator, Washer, Disposal, Cooktop, Double Oven, Gas Water Heater, Electric Oven
  • Flooring
    Tile, Carpet
  • Furnished
    Unfurnished
  • Exterior Features
    Rain Gutters
  • Patio And Porch
    Porch, Screened
  • Security Features
    Smoke Detector(s)
  • Cooling
    Ceiling Fan(s), Central Air, Electric
  • Heating
    Natural Gas

  • Acres
    0.24
  • Lot Features
    Corner Lot
  • Utilities
    Cable Available, Electricity Available, Natural Gas Available, Phone Available
  • Water
    Public

  • Area
    14 - Destin
  • County
    Okaloosa
  • City
    Destin
  • Neighborhood
    KELLY PLANTATION
  • Zip Code
    32541
  • High School
    Destin
  • Middle School
    Destin
  • Elementary School
    Destin

Ask a Question

What's your home worth?

Calculate your current home value within seconds.

Frequently Asked Questions

How do I schedule a tour of 392 Terrapin?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 392 Terrapin.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 392 Terrapin?

Click Ask a Question to talk with our team. You already know it is a 4 bed, 3 bath, listed for $1,499,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Destin, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 392 Terrapin?

With a 20% down payment and a 30-year fixed loan at an illustrative 6.75% rate, the ez Mortgage Calculator estimates the monthly payment for 392 Terrapin at around $8,899. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 392 Terrapin?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Okaloosa County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 392 Terrapin?

In most cases, yes. Whether 392 Terrapin is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Destin's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 392 Terrapin?

We can handle that for you. Our preferred local agent specializes in residentials in Destin and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $1,499,000 with 3,535 sqft of space—that comes out to approximately $424 per square foot.

How long has this property been on the market?

392 Terrapin was listed on November 01, 2026, which means it's been on the market for 7 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 2002, making it approximately 24 years old.

What is the lot size of this property?

392 Terrapin sits on a 0.24-acre lot, which is 10,454 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Destin
  • Middle: Destin
  • High: Destin

Want to see how these schools compare? Check out our Okaloosa County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 392 Terrapin?

The most recent public record shows annual property taxes for 392 Terrapin were approximately $9,255. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $980 paid quarterly.

Is 392 Terrapin still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

Popular Home Searches in Destin, FL


Search Nearby Cities


Search Nearby Counties


Search Nearby Postal Codes


IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing