$1,895,000

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,… Read More 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.** Read Less

Courtesy of Caroline on the Coast, Berkshire Hathaway HomeServices, 850-376-7625

Listing Snapshot

Days Online

Last Updated

Nov 13, 2026

Property Type

Detached Single Family

Beds

Full Baths

Square Ft.

3,395

Lot Size

0.4 Acres

Year Built

2014

MLS Number

1015229

Additional Details

Property Access

Frontage Type: Private Road, Road Surface: Paved

Appliances & Equipment

Auto Garage Door Opn, Cooktop, Dishwasher, Disposal, Microwave, Oven Self Cleaning, Range Hood, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Warranty Provided, Water Heater - Gas, Water Heater - Tnkls

Building

Built in 2014, Living area: 3395.0, Construction Materials: Frame, Siding CmntFbrHrdBrd

Community

Short Term Rental - Not Allowed, Pickle Ball, Community Room, Dock, Exercise Room, Gated Community, Golf, Playground, Pool, Stables, Tennis, Waterfront

Cooling

Ceiling Fans

Doors

Storm Door(s)

Exterior Features

Patio/Porch Features: Patio Covered, Porch Screened, Boat Slip, Boatlift, Columns, Dock, Pool - Enclosed, Pool - Gunite Concrt, Sprinkler System, Summer Kitchen

Floors

Floor Hardwood, Floor Tile, Floor WW Carpet

Foundation

Slab

Garage

2 spaces

Heating

Heat Pump A/A Two +

Home Owner's Association

Association Fee: $980, Fee Frequency: Quarterly, Fee Includes: Accounting, Legal, Management, Master Association, Recreational Faclty, Security

Interior Features

Ceiling Crwn Molding, Ceiling Tray/Cofferd, Kitchen Island, Pantry, Pull Down Stairs, Shelving, Washer/Dryer Hookup, Wet Bar

Lot

0.4 acres, Dimensions: Irregular, Covenants, Cul-De-Sac, Curb & Gutter, Interior, Within 1/2 Mile to Water

Parking

4 total parking spaces, Oversized

Pool

Pool - In-Ground, Pool Type

Property

Construction Complete

Sewer

Public Sewer

Taxes

Parcel Number: 00-2S-22-5115-0000-0170, Annual Amount: $7,119.08, Legal Description: TURTLE CREEK S/D LOT 17, Year: 2025, Zoning: Resid Single Family

Utilities

Electric, Gas - Natural, Public Water, Tap Fee Paid, TV Cable, Underground

Water Features

Bayou

Windows

Double Pane Windows, Storm Windows

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