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31323 Terry Cir, Bethany Beach, DE, 19930

4beds
4baths
3,390sqft
$1,099,900
$324price/sqft
$6,545/moest. monthly cost
$261,800/yrincome needed

About This Home

Timeless Coastal Luxury Just Moments from Bethany Beach. Welcome to 31323 Terry Circle. Offered tastefully furnished, with select exclusions, this home showcases a curated collection of high-quality pieces, including most furnishings from the renowned Tommy Bahama collection, along with many elegant, high-end lamps that further enhance the home’s warm and sophisticated ambiance, creating a truly turnkey opportunity. Thoughtful enhancements further elevate this home, including a newer HVAC system, encapsulated crawl space, irrigation system, recently added awnings, and a security camera positioned near the garage. Set on a premium homesite, the property offers both privacy and picturesque surroundings. Your dream coastal retreat sits just two miles from downtown Bethany Beach. Perfectly positioned within the exclusive and private community of Bethany Lakes, this exceptional residence is nestled among tranquil ponds and the natural beauty of Delaware Seashore State Park’s Fresh Pond, offering a rare blend of serenity and convenience. From the moment you arrive, gracious awnings adorning the covered porch and upper balcony set a tone of understated elegance, warmly welcoming you into this beautifully appointed home. Spanning over 3,390 square feet, this 4-bedroom, 3.5-bath residence showcases a thoughtfully designed floor plan enriched by architectural detail, including hardwood flooring, exquisite millwork, judge’s paneling, wainscoting, and custom built-ins throughout. The main level is designed for both everyday comfort and elevated entertaining. A dramatic two-story family room with a striking fireplace and a wall of windows fills the space with natural light while framing peaceful backyard views. The gourmet kitchen, complete with a breakfast bar, breakfast nook, new Bosch dishwasher, and recently updated refrigerator, flows seamlessly into a bright sunroom. From here, step outside to a sprawling multi-level wraparound deck, an ideal setting for gatherings or quiet coastal mornings. Formal living and dining rooms just off the foyer create an elegant backdrop for entertaining, while a private study tucked behind French doors offers a refined workspace with custom built-ins. A spacious laundry and mudroom, powder room, and access to the attached garage, complete with a second refrigerator, enhance everyday convenience. Dual staircases lead to the upper level, where the primary suite serves as a true retreat, featuring a covered balcony, expansive walk-in closet, and a spa-inspired bath with dual vanities, soaking tub, and separate shower. A second guest suite enjoys its own private bath and direct access to a sundeck, while two additional bedrooms share a well-appointed hall bath. A generous loft/bonus room offers flexibility for recreation or, with the addition of shutters, a potential fifth bedroom. Residents of Bethany Lakes enjoy resort-style amenities, including a clubhouse, pool, fitness center with new equipment, tennis and pickleball courts, playground, walking trails, and stocked fishing ponds. Whether beginning your day with a bike ride along the scenic 3.5-mile loop or heading to the nearby beaches, this home offers an exceptional coastal lifestyle defined by comfort, elegance, and ease.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

7/10
Selbyville Middle SchoolGrades 6-89.8 mi
6/10
Indian River High SchoolGrades 9-128.3 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Concrete Perimeter
  • Roof: Architectural Shingle,Pitched
  • Construction materials: Frame,Stick Built,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Coastal,Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Dishwasher,Disposal,Washer,Dryer,Intercom,Microwave,Cooktop,Energy Efficient Appliances,Exhaust Fan,Freezer,Ice Maker,Double Oven,Oven,Oven/Range - Gas,Stainless Steel Appliance(s),Water Dispenser,Water Heater,Electric Water Heater
  • Laundry features: Main Level,Laundry Room

Bedroom2

  • Features: Flooring - Carpet,Attached Bathroom,Balcony Access,Window Treatments
  • Level: Upper
  • Area: 132
  • Dimensions: 11 X 12

Bedroom3

  • Features: Flooring - Carpet,Window Treatments
  • Level: Upper
  • Area: 143
  • Dimensions: 11 X 13

Bedroom4

  • Features: Flooring - Carpet,Window Treatments
  • Level: Upper
  • Area: 182
  • Dimensions: 13 X 14

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 180
  • Dimensions: 12 X 15

Family Room

  • Features: Flooring - Carpet
  • Level: Main
  • Area: 420
  • Dimensions: 20 X 21

Features

  • Breakfast Area,Built-in Features,Ceiling Fan(s),Combination Dining/Living,Combination Kitchen/Dining,Combination Kitchen/Living,Dining Area,Family Room Off Kitchen,Floor Plan - Traditional,Formal/Separate Dining Room,Kitchen - Gourmet,Kitchen Island,Pantry,Primary Bath(s),Recessed Lighting,Sound System,Store/Office,Upgraded Countertops,Walk-In Closet(s),Wainscotting,2 Story Ceilings,9'+ Ceilings,Dry Wall,Vaulted Ceiling(s)
  • Door features: Atrium,French Doors,Six Panel
  • Window features: Atrium,Double Pane Windows,Screens,Transom,Wood Frames,Window Treatments
  • Flooring: Ceramic Tile,Hardwood,Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace features: Mantel(s)
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,390

Foyer

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 108
  • Dimensions: 9 X 12

Heating & Cooling

  • Heating features: Forced Air,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,390
  • Total interior livable area: 3,390 sqft

Kitchen

  • Features: Granite Counters,Dining Area,Breakfast Bar,Breakfast Nook,Double Sink,Flooring - HardWood,Kitchen Island,Kitchen - Gas Cooking,Lighting - Pendants
  • Level: Main
  • Area: 400
  • Dimensions: 20 X 20

Laundry

  • Features: Flooring - Ceramic Tile
  • Level: Main
  • Area: 168
  • Dimensions: 12 X 14

Living Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 208
  • Dimensions: 13 X 16

Loft

  • Features: Flooring - Carpet,Window Treatments
  • Level: Upper
  • Area: 300
  • Dimensions: 15 X 20

Office

  • Features: Flooring - Carpet,Built-in Features
  • Level: Main
  • Area: 143
  • Dimensions: 11 X 13

Other

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 180
  • Dimensions: 9 X 20

Primary Bedroom

  • Features: Attached Bathroom,Balcony Access,Flooring - Carpet,Walk-In Closet(s),Window Treatments
  • Level: Upper
  • Area: 320
  • Dimensions: 16 X 20

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 13413.002099.00
  • Zoning: MR
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Exterior features: Lighting,Lawn Sprinkler,Sidewalks,Sport Court,Street Lights,Water Fountains
  • Has view: Yes
  • View description: Garden

Lot

  • Lot size: 0.29 Acres
  • Features: Front Yard,Landscaped,Rear Yard,SideYard(s)
  • Lot size dimensions: 70.00 x 125.00

Parking

  • Total spaces: 6
  • Parking features: Garage Faces Front,Concrete,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Inland Flooding
Winter Weather
Cold Wave
Tsunami

FEMA Declared Disasters Across Delaware Counties

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,561$66,732
Home Insurance *$257$3,084
Property Taxes $353$4,236
Electricity $374$4,498
Total$6,545$78,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$224,400/yr
40% on housing$196,350/yr
45% on housing$174,533/yr

Delaware FAIR Plan Programs

Insurance Placement Facility of Delaware

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,170Commercial: 57
Total Premiums$607,000
Total Exposure$249.53M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.6%
5.6%
0%30.0%
Electricity Growth Rate10-year average: 8.7%
8.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$324This listing

vs Other Active Listings

Avg $/sqft

ZIP 19930$671
Sussex County$247

vs Homes Sold Last Month

Median $/sqft

ZIP 19930
Sussex County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-01Price change$1,100,000
2026-04-16Listed for sale$1,200,000
2026-03-11Listing removed$1,069,000
2026-02-25Contingent$1,069,000
2026-01-05Price change$1,069,000
2025-11-17Price change$1,070,000
2025-11-03Price change$1,074,000
2025-10-06Price change$1,075,000
2025-09-17Price change$1,100,000
2025-09-11Listed for sale$1,200,000
2004-08-17Sold$701,244

For Sale by Agent

AgentTom Ruch
BrokerageNorthrop Realty

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