3305 Terra Cotta Drive , Panama City, FL 32408

$2,500,000
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Active
BEDS4 BATHS3 full 2 partial SQUARE FEET4,022 MLS#787408
STATUSActive PROPERTY TYPEResidential - Single Family SUBDIVISIONFinisterre

Property Description

Beautifully appointed and maintained WATERFRONT home in gated Finisterre, with views toward the sandy beaches at St. Andrews State Park and the Pass. Deeded boat slip at community dock included with acceptable contract. Home is at the end of a cul-de-sac lot, creating a private and serene setting. Oversized 3-car garage with additional separate storage. Chef's kitchen offers a 48'' Wolf range top and double ovens, Subzero refrigerator, 2 large sinks, quartzite counters and ''Sonic-style'' ice maker. First level Owner's Suite is adjacent to office/exercise/flex room, featuring heated floors in bathroom and a huge, well-appointed customizable closet. Upstairs, a second suite could serve as secondary Owner's Suite with large balcony, and sunrise views over the lagoon. A substantial game room & bar separate the additional 2 bedrooms, and all bedrooms have walk-in closets. The design accommodates entertaining and stargazing with front and back balconies, and several outdoor patio venues including fireplace, firepit and grilling kitchen areas. Terraced yard has ample grass for pets. Convenient Pool Bath, Generator, and Landscape Irrigation Well. Finisterre has Pickleball Courts and a Community Dock. Original Owners - Designed by Michael Hunnicutt and built by John Spillers. Plenty of nice surprises in this thoughtfully designed custom home. Seller is licensed real estate agent. If boat slip conveys, annual HOA fee is increased by $629. 39 for slip assessment. *See documents for exclusions list Buyer to verify all measurements **Security cameras on property

3305 Terra Cotta Drive | MLS# 787408

This single family home located at 3305 Terra Cotta Drive , Panama City, FL 32408 is currently listed for sale with an asking price of $2,500,000. This property was built in 2014 and has 4 bedrooms and 3 full and 2 partial baths with 4022 sq. ft. Terra Cotta Drive is located in the Finisterre subdivision. Search Finisterre real estate on www.realtymarkllc.com today.

Property Features

Property Type: Residential - Single Family
Cooling: Central Air, Ceiling Fan(s)
Garage: 3
Heating: Central, Fireplace(s)
Home Style: Mediterranean
Lot Size: 0.39 Acres
Roof Type: Clay
Stories: 2.0
Taxes: $10,754
Year Built: 2014

Amenities

Interior Steps
Barbecue
Boat Slip
Fire Pit
Outdoor Kitchen

Feature Descriptions

Appliances: Bar Fridge, Gas Cooktop, Ice Maker, Tankless Water Heater, Wine Cooler
Association Amenities: Gated
Community Features: Basketball Court, Dock, Playground, Tennis Court(s), Barbecue, Gated
Days on Site: 21
Exterior: Stucco
Fencing: Partial
Fireplace: Gas
Lot: Cul-De-Sac, Sprinkler System
Lot Dimensions: 188 x 89 x 198 x 70
Parcel#: 31424-562-000
Parking: Garage, Garage Door Opener
Parking Notes: Garage, Garage Door Opener
Patio/Porch: Balcony, Covered, Patio
Pool: Gunite, Gas Heat, Private
Security: Security System Owned, Gated Community, Fire Alarm, Smoke Detector(s)
Security: yes
Sewer: Public Sewer
Special View Info: Bay, Lagoon
Swimming Pool: Yes
Units: 1
Utilities: Cable Connected
Waterfront: Bayfront, Lagoon

Room Sizes

Laundry: 10 X 7 Level - First
Other: 6.5 X 8.5 Level - Second
Other: 30 X 11 Level - Second
Bonus Room: 21 X 24.5 Level - Second
Bedroom: 13.67 X 12.83 Level - Second
Bedroom: 14.83 X 11 Level - Second
Bedroom: 16.5 X 15.5 Level - Second
E X ercise Room: 15 X 9 Level - First
Primary Bedroom: 16 X 15.5 Level - First
Dining Room: 13 X 14.5 Level - First
Kitchen: 21 X 14.5 Level - First
Family Room: 21 X 24 Level - First

Local Schools

High School: Arnold
Middle School: Surfside
Elementary School: Patronis

Listed By / Shown By

Listed By

Agency Name: Keller Williams Success Realty

Shown By

Agency Title: RealtyMark
Agency Phone: 888-240-0600

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Estimated Payment

$ 7,189.25 per month $5,563.92 Principal & Interest $896.17 Property Tax $729.17 Homeowner's Insurance

Change Payment Information

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All commissions are negotiable Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers 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 on this site was last updated 04/17/2026. The listing information on this page last changed on 04/17/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Fri 04/17/2026 12:54:33 AM EST) or Stellar MLS (last updated Fri 04/17/2026 12:44:11 AM EST) or GSMLS (last updated Fri 04/17/2026 12:24:10 AM EST) or Emerald Coast MLS (last updated Fri 04/17/2026 12:05:32 AM EST) or Central Panhandle Association of Realtors (last updated Fri 04/17/2026 12:47:19 AM EST) or Beaches MLS (last updated Fri 04/17/2026 12:47:20 AM EST) or Naples MLS (last updated Thu 04/16/2026 11:41:16 PM EST) or Bright MLS (last updated Thu 04/16/2026 7:53:33 PM EST) or OneKey MLS (last updated Fri 04/17/2026 12:49:37 AM EST). Real estate listings held by brokerage firms other than RealtyMark may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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