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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-st...ory 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.**

Emerald Coast Association of REALTORS®, MLS#: 1015229
Listed By: Berkshire Hathaway HomeServices, Caroline on the Coast

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Bedrooms

  • Total Bedrooms: 5

Bathrooms

  • Full bathrooms: 4

Appliances

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

Architectural Style

  • Southern

Association

  • Association Fee: $980
  • Association Fee Frequency: Quarterly

Association Fee Includes

  • Accounting
  • Legal
  • Management
  • Master Association
  • Recreational Faclty
  • Security

Community Features

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

Construction Materials

  • Frame
  • Siding Cmnt Fbr Hrd Brd

Cooling

  • Ceiling Fans

Exterior Features

  • Boat Slip
  • Boatlift
  • Columns
  • Dock
  • Pool - Enclosed
  • Pool - Gunite Concrt
  • Sprinkler System
  • Summer Kitchen

Flooring

  • Floor Hardwood
  • Floor Tile
  • Floor WW Carpet

Foundation Details

  • Slab

Heating

  • Heat Pump A/A Two +

Interior Features

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

Lot Features

  • Covenants
  • Cul-De-Sac
  • Curb & Gutter
  • Interior
  • Within 1/2 Mile to Water

Parking Features

  • Oversized

Patio and Porch Features

  • Patio Covered
  • Porch Screened

Pool Features

  • Pool - In-Ground
  • Pool Type

Property Condition

  • Construction Complete

Road Frontage Type

  • Private Road

Road Surface Type

  • Paved

Sewer

  • Public Sewer

Utilities

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

Waterfront Features

  • Bayou

Window Features

  • Double Pane Windows
  • Storm Windows
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Listed By:
Berkshire Hathaway HomeServices
Caroline on the Coast

Data Source: Emerald Coast Association of REALTORS®

MLS#: 1015229

Data Source Copyright: © 2026 Emerald Coast Association of REALTORS® All rights reserved.

© 2026 Emerald Coast Association of REALTORS®. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.

This property was listed on 11/10/2026 and last updated as of 11/10/2026 5:39:08 PM. OSI IDX updated the data from Emerald Coast Association of REALTORS® on 11/10/2026 at 11:42 AM. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.