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400 Terrapin Trc , Destin, FL 32541

$1,895,000

5
beds
4
baths
3,395
sqft
2014
year built

VIRTUAL TOUR

Waterfront Elegance Meets Effortless Coastal Living in Kelly Plantation Tucked away among the towering pines of Kelly Plantation, this exceptional waterfront residence offers a rare combination of refined coastal living, privacy, and direct access to the water. Located in the desirable Club Commons neighborhood, just moments from the community's celebrated golf, clubhouse, and recreational amenities, this beautifully appointed home delivers an extraordinary lifestyle both indoors and out. Built in 2014, the thoughtfully designed residence offers approximately 3,395 square feet of living space, five bedrooms, and four bathrooms, with **the flexibility of a two-story home and the convenience of single-level living.** The majority of the home's living space is situated on the main floor, including the primary suite, kitchen, dining and living areas, and office space, allowing homeowners to enjoy virtually everything they need without ever having to venture upstairs. The second level provides valuable additional living space, offering flexibility for guests, family, or a variety of other uses. The home's timeless coastal architecture, welcoming covered entry, elegant finishes, and inviting living spaces create an atmosphere that is as comfortable for everyday living as it is impressive for entertaining. Thoughtfully arranged living areas provide a natural flow for gathering with family and friends, while the home's generous proportions and versatile floor plan accommodate a variety of lifestyles. The outdoor living experience is truly exceptional. An expansive screened enclosure encompasses a sparkling private pool, generous lounging areas, and a beautifully equipped outdoor kitchen, creating a seamless extension of the home's main-level living and entertaining spaces. Whether hosting friends, enjoying a quiet afternoon by the pool, or gathering for dinner as the sun sets, this remarkable setting was designed to be enjoyed year-round. Beyond the pool, a wooded backyard framed by mature pines leads to a private dock overlooking the tranquil waters of the bayou. Complete with a personal watercraft lift, the dock offers a wonderful opportunity for kayaking, paddleboarding, and exploring the surrounding waterways. It's a peaceful waterfront escape that feels worlds away, yet remains conveniently connected to everything Kelly Plantation and Destin have to offer. The home's setting is equally compelling. Lush natural surroundings provide a wonderful sense of seclusion, while the nearby waters of Choctawhatchee Bay create a beautiful coastal backdrop. Residents of Kelly Plantation enjoy a gated community known for its championship golf course, beautifully maintained grounds, and outstanding amenities. What makes 400 Terrapin Trace especially appealing is its uncommon combination of features: beautifully appointed main-level living spaces, the versatility of an additional second floor, five bedrooms, a private screened pool and outdoor kitchen, and the added distinction of waterfront living with a private dock. **An exceptional opportunity to enjoy the best of Kelly Plantation, where elegant coastal living meets the tranquility of life on the water.**

Highlights

  • Residential
  • Single Family Residence
  • Built in 2014
  • 0.4 Acre Lot
  • $980/qtr HOA
  • Waterfront
  • 2 Car Garage
  • Newly Listed

  • Bedrooms
    5
  • Bathrooms
    4
  • Year Built
    2014
  • Stories
    2.0
  • Architectural Style
    Pueblo
  • Construction Materials
    Frame
  • Foundation
    Slab
  • Garage Spaces
    2.0
  • Parking Features
    Attached, Oversized, Garage Door Opener, Garage
  • Interior Features
    Pantry, Wet Bar, Kitchen Island, Crown Molding, Tray Ceiling(s)
  • Appliances
    Dishwasher, Microwave, Refrigerator, Disposal, Tankless Water Heater, Cooktop, Gas Oven, Range Hood, Gas Water Heater, Self Cleaning Oven
  • Flooring
    Hardwood, Tile, Carpet
  • Exterior Features
    Dock, Outdoor Kitchen, Boat Slip
  • Patio And Porch
    Covered, Patio, Porch, Screened
  • Pool Features
    Gunite, In Ground
  • Security Features
    Smoke Detector(s)
  • Cooling
    Ceiling Fan(s)
  • Heating
    Natural Gas, Heat Pump

  • Acres
    0.4
  • Lot Features
    Waterfront, Cul-De-Sac, Interior Lot
  • Water Front
    Yes
  • Utilities
    Cable Available, Electricity Available, Natural Gas Available, Underground Utilities
  • Water
    Public

  • Area
    14 - Destin
  • County
    Okaloosa
  • City
    Destin
  • Neighborhood
    Kelly Plantation
  • Zip Code
    32541
  • High School
    Fort Walton Beach
  • Middle School
    Destin
  • Elementary School
    Destin

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Price History

11/10/2026 Listed $1,895,000
Source: Emerald Coast Association of REALTORS #1015229
03/11/2014 Off Market —
Source: Emerald Coast Association of REALTORS #700994

Source: MLS Data

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Frequently Asked Questions

How do I schedule a tour of 400 Terrapin Trc?

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 400 Terrapin Trc.

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 400 Terrapin Trc?

Click Ask a Question to talk with our team. You already know it is a 5 bed, 4 bath, listed for $1,895,000. 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 do I get a virtual tour of 400 Terrapin Trc?

Yes! A virtual tour is available for 400 Terrapin Trc. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 400 Terrapin Trc?

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 400 Terrapin Trc at around $11,377. 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 400 Terrapin Trc?

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 400 Terrapin Trc?

In most cases, yes. Whether 400 Terrapin Trc 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 400 Terrapin Trc?

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 $1,895,000 with 3,395 sqft of space—that comes out to approximately $558 per square foot.

How long has this property been on the market?

400 Terrapin Trc was listed on November 10, 2026, which means it's been on the market for 0 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 2014, making it approximately 12 years old.

What is the lot size of this property?

400 Terrapin Trc sits on a 0.4-acre lot, which is 17,424 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Destin
  • Middle: Destin
  • High: Fort Walton Beach

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 400 Terrapin Trc?

The most recent public record shows annual property taxes for 400 Terrapin Trc were approximately $7,119. 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 400 Terrapin Trc 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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