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Discover the perfect blend of privacy, elegance, and coastal living in this beautifully crafted custom home, ideally situated with a natural preserve bordering both the side and rear of the property. Nestled within a gated, 900-acre community, this exceptional residence offers a peaceful setting with convenient access to a scenic walking trail leading to the bayou. From the moment you arrive, the home's attractive curb appeal and thoughtfully designed features make a lasting impression. An expansive paver driveway provides additional parking and leads to a spacious three-car garage complete with epoxy flooring and plenty of room for a golf cart. The stately columned entry welcomes you into an inviting foyer adorned with polished tile, setting the tone for the quality craftsmanship and architectural details found throughout. At the heart of the home, the generously sized great room showcases elegant columns, beautiful crown molding, and an inviting atmosphere ideal for both everyday living and entertaining. A charming breakfast nook offers a comfortable space for casual meals, while a granite-topped bar provides the perfect gathering spot for family and friends. Dining room w/ lots of cabinets. Designed to embrace Florida's indoor-outdoor lifestyle, the expansive screened terrace offers a private oasis surrounded by lush, natural greenery. Whether hosting guests, enjoying outdoor dining, or simply unwinding in the heated in-ground spa/pool, this inviting space provides a wonderful extension of the home's living areas. The first-floor primary suite serves as a relaxing retreat, featuring a lovely bay window, two spacious walk-in closets, and a generously appointed ensuite bath. The primary bathroom includes a jetted soaking tub, separate walk-in shower, and dual cultured marble vanities. The main level also features a convenient powder room, an oversized laundry room with utility sink and ample storage, and a flexible bonus room that can serve as a home office, additional bedroom, or multipurpose space, complete with a built-in bunk and closet. Upstairs, spacious guest bedrooms provide comfortable accommodations, while an additional bonus room with built-in shelving offers even more versatility and storage options. Additional conveniences include a whole-house generator and central vacuum system. Beyond the home, residents enjoy access to an impressive selection of community amenities designed for an active and enjoyable lifestyle. Tennis and pickleball courts, a yoga and fitness center, community swimming pools, playgrounds, and a fenced dog park are among the many recreational offerings. Golf enthusiasts will appreciate the beautiful 18-hole golf course featuring picturesque views of Choctawhatchee Bay. Ample built in storage cabinets in main BR, Dining room, Office and Laundry room. Conveniently located near Destin Commons, Choctawhatchee Bay, and the area's renowned sugar-white sand beaches, this property offers easy access to shopping, dining, entertainment, and endless opportunities to enjoy the Emerald Coast. Notable system updates include a new roof in 2022, water heater in 2026, and two HVAC systems installed in 2017. Please refer to the Documents section for a comprehensive list of additional upgrades and improvements. Whether you are searching for a primary residence or a coastal getaway, this distinctive property offers an exceptional combination of privacy, generous living spaces, and the lifestyle that makes the Destin area so desirable.

Highlights

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

  • Bedrooms
    3
  • 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

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Frequently Asked Questions

How do I schedule a tour of 392 Terrapin Trce?

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 Trce.

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 Trce?

Click Ask a Question to talk with our team. You already know it is a 3 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 Trce?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 392 Terrapin Trce at around $9,302. 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 Trce?

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 Trce?

In most cases, yes. Whether 392 Terrapin Trce 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 Trce?

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 Trce was listed on November 01, 2026, which means it's been on the market for 9 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 Trce 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 Trce?

The most recent public record shows annual property taxes for 392 Terrapin Trce 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 Trce 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

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