109 Gulf Terrace Ln
Port St. Joe, FL
House
Reduced! $439,900
$429,000
THIS FLORIDA BEACH COTTAGE IS PERFECT FOR A FULL-TIME RESIDENCE, PERSONAL GETAWAY OR INVESTMENT OPPORTUNITY (long or short-term rental) and NO HOA!! Constructed in 2021, this charming, fully furnished 2 bedroom 2 bath property is ready to meet all of your coastal needs. Currently, it is being utilized as a primary residence and has not been on the rental market. The gravel drive affords ample parking and a 30 amp RV hookup. This home is within walking distance of St. Joe Beach, known for its clean, sugar-white sand and dog-friendly environment. Situated on almost a quarter-acre lot, the property features a fenced backyard, with a storage building to house beach supplies and tools. The backyard also has plenty of space to accommodate a pool. A self propelled lawnmower will also remain. Inside, there is an open floor plan featuring vaulted ceilings in the living area. The kitchen has quartz countertops and stainless steel GE appliances. Hot water is never an issue with a Rheem Performance tankless (electric) water heater. In addition, there is beautiful LVP flooring throughout the home. The floor plan includes two bedrooms separated by a guest bathroom, which is equipped with a shower/tub combo, quartz sink, and storage closet. The guest bedroom is positioned at the front of the house, while the master bedroom, with a raised ceiling, is located on the other side of the guest bathroom. It also includes an en-suite bathroom with dual quartz sinks, and a spacious, tiled shower. The laundry room contains a Maytag washer and dryer. For extra storage, there is a pantry cabinet. Just outside of the laundry room, you will find a second screened porch, with patio furniture and a TV. The front screened porch includes patio furniture and a gas fire pit. If you are not in the mood for a walk to the beach, the 3 block golf cart ride (GOLF CART INCLUDED) gets you to the sand in no time! CALL FOR A SHOWING TODAY ON THIS TURN-KEY FLORIDA COTTAGE!
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| MLS# | 325016 |
| Status | Active |
| Date Listed | January 15, 2026 |
| Last Updated | June 17, 2026 |
| Property Type | House (Detached Single Family) |
| Sale Type | As Is |
| Bedrooms | 2 |
| Bathrooms | 2 full, 0 half |
| Sqft | 1,008 H/C / 1,488 Total |
| Pool | Yes |
| Acreage | 0.229 |
| Lot Dimensions | 48 X 208 |
| Year Built | 2021 |
| RVs Allowed | No |
| HOA | No HOA Fees |
| Interior | Vaulted Ceiling(s), Recessed Lighting, Newly Painted, See Remarks, Smoke Detector, Split Bedroom, Washer/Dryer Hookup |
| Appliances | Dryer, Washer, Dishwasher, Exhaust Fan, Microwave, Self Cleaning Oven, Refrigerator w/Ice Maker, Electric Oven, Tankless Water Heater |
| Exterior | Landscaped |
| Energy | Ceiling Fan(s), Doubled Pane Window(s), Whole House Fan |
| Construction | HardiPlank Type |
| Utilities | Cable Available, Electricity Connected, Internet Available, Natural Gas Available, Phone Available, See Remarks, Sewer Connected, Tap Fee Paid, Underground Utilities, Water Connected |
| Parking | Driveway |
| Lot | Cleared, Covenants/Restrictions, Interior Lot, Level, Recorded Subdivision, Within 1/2 Mile of Water, Improved Lot |
| Land Access | Paved, Private Road |
| Zip Code | 32456 |
| Area | Mexico/St. Joe Beach |
| Sub-area | St. Joe Beach |
| Subdivision | The Highlands Subdivision |
| Flood Zone | X |
| Coordinates | -85.354395, 29.895715 |
| Legal Info | HIGHLANDS AT ST JOE BEACH PB 5 PGE 30 LOTS 27 ORB 818/689 QC FR AGUIRRE MAP 31 |
Due to new roads in our area, some properties may not show up in exactly the right location.
This listing is managed by Coastal Realty Group - Port St. Joe.