3304 Terra Cotta Drive, Panama City Beach, FL 32408 (MLS# 759267)

3304 Terra Cotta Drive, Panama City Beach, FL 32408

$1,180,000

Community Dock just a short walk from home. Access by boat to Shell Island, Gulf, South Lagoon and 3 Marinas and restaurants. Boat Slip fee/$307.80/yr

Overlooking beautiful pond, mature trees and nature. Gas firepit

Wetbar with small beverage fridge and ice maker

Bedroom being used as an office. Walk-in closet and attached bathroom with tile shower.

Wetbar is next to full bathroom/ access to game room and bedroom

Balcony/Porch just outside of game/family room

Bedroom 3 has a jack-n-jill bath with each room having it's own private vanity sharing tub/shower and toilet.

One side of bathroom, the other side connects to the 4th bedroom and private vanity.

Bedroom 3 has a jack-n-jill bath with each room having it's own private vanity sharing tub/shower and toilet. Bedroom 4 mirrors this room

Back of home, Seller was going to put in a pool and has a drawing of where it would go.

Basketball, pickle ball and tennis and playground.

Bayfront Dock / Boat slips can be rented for your private use for a fee of $307.80/yr. Dock is just a short walk to this home. Access to St Andrews Bay, Shell Island and Gulf.

Boat slips can be rented for your private use for a fee of $307.80/yr. Dock is just a short walk to this home. Access to St Andrews Bay, Shell Island and Gulf.

Boat dock to the right of home with access to Shell Island, Marinas, Gulf and South Lagoon

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 3,622 Lot Size (sq. ft.): 8,494 Status: Sold

Current Price: $1,180,000 List Date: 6/28/2024 Last Modified: 6/27/2025

Overview

Description

Price Improvement! The Mediterranean meets Miami modern in this luxury coastal hideaway backing onto a peaceful natural pond. This unusual property stands out from the crowd in Finisterre, an exclusive gated waterfront low-density neighborhood. It's a sought-after community for boaters with a community boat dock and leased private boat slips on St. Andrews Bay and South Lagoon. This custom home is in a quiet cul-de-sac location. A sweeping paved driveway leads to a beautiful entryway with Bevolo gas lanterns and a custom-built front door where, upon entry, you will find a sleek modernist interior with 10' ceilings and dark wood floors lit by multiple tall windows, bringing a natural light setting. The gas-vented ribbon burner wall fireplace, with a 70'' TV screen above, adds a rosy glow to the sitting area, providing plenty of heat in winter months. The avant-garde kitchen has a large island that doubles as a trendy bar at cocktail hour. Color-changing under-cabinet LED lighting adds a … (Read more) Price Improvement! The Mediterranean meets Miami modern in this luxury coastal hideaway backing onto a peaceful natural pond. This unusual property stands out from the crowd in Finisterre, an exclusive gated waterfront low-density neighborhood. It’s a sought-after community for boaters with a community boat dock and leased private boat slips on St. Andrews Bay and South Lagoon. This custom home is in a quiet cul-de-sac location. A sweeping paved driveway leads to a beautiful entryway with Bevolo gas lanterns and a custom-built front door where, upon entry, you will find a sleek modernist interior with 10′ ceilings and dark wood floors lit by multiple tall windows, bringing a natural light setting. The gas-vented ribbon burner wall fireplace, with a 70” TV screen above, adds a rosy glow to the sitting area, providing plenty of heat in winter months. The avant-garde kitchen has a large island that doubles as a trendy bar at cocktail hour. Color-changing under-cabinet LED lighting adds an eye-catching glow to the iridescent tile backsplash. Pendular designer lighting completes the stylish image. Stainless steel appliances and gleaming black quartz countertops add a practical element. A bonus is the chilled wine refrigerator in the customized walk-in pantry. Dine and entertain beneath another distinctive lighting fixture in the open dining room, enjoying the timeless scenes of nature through the multi-aspect windows. The first-floor master suite with 12′ ceilings continues the understated vogue. It boasts an accent wall in the bedroom with abundant natural light. Entering the ensuite bath, shiny chrome fixtures on oversized gray tile walls and trendy designer lighting add an element of style while a walkthrough stand-alone double shower tucked behind the customized oval tub completes the spa-like appeal. A customized walk-in closet doubles as a dressing room with abundant built-in storage. Just off the master suite, living room, and dining area is the covered porch boasting a gas firepit, creating a tranquil outdoor lounge area for entertaining guests or viewing birds and wildlife on the pond. Head up the dark wood staircase to the large media/game room on the landing, where you are greeted with more windows and natural lighting and a great space for relaxing, playing, or entertaining. The built-in wet bar with sink, mini fridge, ice maker and snooker table enhance this fun space. Three more bedrooms, all with walk-in closets surround this space. One bedroom with an ensuite bath is currently being used as an office. The other two bedrooms have a jack-n-jill bath with dual private vanities. An oversized two-car garage with built-in bench and tool wall with a pull-down staircase and generous shelved storage completes the home. Offering security and privacy, this luxury waterfront gated community provides access by boat to beautiful Shell Island and St. Andrews State Park. Sports amenities include pickleball, tennis and basketball courts. Despite the sense of seclusion, the home is within walking distance to the Lighthouse Marina and several popular restaurants, including Captain Anderson’s and The Grand Marlin. Treasure Island and Pirate’s Cove Marinas are a short drive away, along with public beaches, shops, and grocery stores. A custom specifications list is available upon request as there are too many to add. A few include 2×6 exterior wood framed walls with all thread hold down system for maximum strength, sand finish white stucco, 12” baseboards with décor screwless receptacles throughout, 8′ solid core modern interior doors, Rinnai tankless gas water heater, built-in whole house audio system, Ring doorbell, impact dual-pane low-E glass windows, manual generator transfer switch setup at interior, 40 circuit panel in garage with 50 amp generator inlet at side yard. Sprinkler system, custom landscaping, zoysia sod and large palms. Mounted TVs convey with sale. Buyer to verify all data and dimensions.

Listing Details MLS# 759267

Contract Info

List Price/SqFt: 329.93

Location

Area: 03 – Bay County – Beach
Street #: 3304
Street Name: Terra Cotta
Street Suffix: Drive
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: Finisterre
Community/Resort: None
Waterfront: Yes
Parcel ID: 31424-602-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: Thomas Drive turn east on N Lagoon Dr at Capt Andersons. follow road to the end at Finisterre gate, so through take left on Terra Cotta Dr, home is last home on left at the cul de sac.
Legal Description: FINISTERRE SUB PH III LOT 16A ORB 3706 P 541

General Property Info

Sub-Type: Detached Single Family
Design: Contemporary
Apx SqFt(Htd/Cooled): 3622
SqFt Source: Builders Plans
Full Baths: 3
Half Baths: Yes
Total Baths: 4
# of Stories in Building: 2
Year Built: 2020
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Driveway Spaces: 5
Lot Dimensions: 67 x 99.13 x 87.4 x 122
Acreage: 0.2
Lot Size (SqFt): 8494
Pool: No
Association Fee/Month: 169.57

Status Change Info

Under Contract Date: 2024-10-18
Sold Date: 2024-12-02
Sold Price/SqFt: 325.79
Sold Price/Acre: 5900000

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 2034.81
HOA Frequency: Annually
HOA Annual Amount: 2034.81
Is Subject Leased: No
New Buyer Fee: Yes
New Buyer Fee Amt: 900
New Buyer Fee Paid: $
Last Taxes: 6928
Last Tax Year: 2023
Brokerage Interest: Familial Interest – Listing Broker/Licensee related to owner.
As Is: No

Remarks & Misc

Remarks: Price Improvement! The Mediterranean meets Miami modern in this luxury coastal hideaway backing onto a peaceful natural pond. This unusual property stands out from the crowd in Finisterre, an exclusive gated waterfront low-density neighborhood. It's a sought-after community for boaters with a community boat dock and leased private boat slips on St. Andrews Bay and South Lagoon. This custom home is in a quiet cul-de-sac location. A sweeping paved driveway leads to a beautiful entryway with Bevolo gas lanterns and a custom-built front door where, upon entry, you will find a sleek modernist interior with 10' ceilings and dark wood floors lit by multiple tall windows, bringing a natural light setting. The gas-vented ribbon burner wall fireplace, with a 70'' TV screen above, adds a rosy glow to the sitting area, providing plenty of heat in winter months. The avant-garde kitchen has a large island that doubles as a trendy bar at cocktail hour. Color-changing under-cabinet LED lighting adds an eye-catching glow to the iridescent tile backsplash. Pendular designer lighting completes the stylish image. Stainless steel appliances and gleaming black quartz countertops add a practical element. A bonus is the chilled wine refrigerator in the customized walk-in pantry. Dine and entertain beneath another distinctive lighting fixture in the open dining room, enjoying the timeless scenes of nature through the multi-aspect windows. The first-floor master suite with 12' ceilings continues the understated vogue. It boasts an accent wall in the bedroom with abundant natural light. Entering the ensuite bath, shiny chrome fixtures on oversized gray tile walls and trendy designer lighting add an element of style while a walkthrough stand-alone double shower tucked behind the customized oval tub completes the spa-like appeal. A customized walk-in closet doubles as a dressing room with abundant built-in storage. Just off the master suite, living room, and dining area is the covered porch boasting a gas firepit, creating a tranquil outdoor lounge area for entertaining guests or viewing birds and wildlife on the pond. Head up the dark wood staircase to the large media/game room on the landing, where you are greeted with more windows and natural lighting and a great space for relaxing, playing, or entertaining. The built-in wet bar with sink, mini fridge, ice maker and snooker table enhance this fun space. Three more bedrooms, all with walk-in closets surround this space. One bedroom with an ensuite bath is currently being used as an office. The other two bedrooms have a jack-n-jill bath with dual private vanities. An oversized two-car garage with built-in bench and tool wall with a pull-down staircase and generous shelved storage completes the home. Offering security and privacy, this luxury waterfront gated community provides access by boat to beautiful Shell Island and St. Andrews State Park. Sports amenities include pickleball, tennis and basketball courts. Despite the sense of seclusion, the home is within walking distance to the Lighthouse Marina and several popular restaurants, including Captain Anderson's and The Grand Marlin. Treasure Island and Pirate's Cove Marinas are a short drive away, along with public beaches, shops, and grocery stores. A custom specifications list is available upon request as there are too many to add. A few include 2×6 exterior wood framed walls with all thread hold down system for maximum strength, sand finish white stucco, 12'' baseboards with décor screwless receptacles throughout, 8' solid core modern interior doors, Rinnai tankless gas water heater, built-in whole house audio system, Ring doorbell, impact dual-pane low-E glass windows, manual generator transfer switch setup at interior, 40 circuit panel in garage with 50 amp generator inlet at side yard. Sprinkler system, custom landscaping, zoysia sod and large palms. Mounted TVs convey with sale. Buyer to verify all data and dimensions.

More Information

Covered Porch

First: Yes

Dining Room

First: Yes

Family Room

Second: Yes

Garage

First: Yes

Master Bathroom

First: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Ice Maker: Yes
Microwave: Yes
Oven – Double: Yes
Range – Gas: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Gas: Yes
Water Heater – Tankless: Yes
Wine Refrigerator: Yes
Other: Yes

Interior Features

Ceiling – Raised: Yes
Fireplace: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Pantry: Yes
Pull Down Stairs: Yes
Wet Bar: Yes

Construction/Siding

Roof – Clay/Concrete: Yes
Siding – Stucco: Yes

Exterior

Double Pane Windows: Yes
Fire Pit: Yes
Porch Covered: Yes
Sprinkler System: Yes
Storm Doors: Yes
Storm Windows: Yes
Tinted Windows: Yes

Waterfront Feature

Shore – Natural: Yes

Association Fees Include

Dock: Yes
Fishing: Yes
Gated Community: Yes
Handball: Yes
Management: Yes
Master Association: Yes
Playground: Yes
Tennis: Yes
Other – See Remarks: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
Seller Financing: Yes
VA: Yes

Furnished

Negotiable: Yes

Interior

Smart Thermostat: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Covenants: Yes
Cul-De-Sac: Yes
Near Beach Access: Yes
Restrictions: Yes
Within 1/2 Mile to Water: Yes
Other – See Remarks: Yes

Lot Access

Gated Access: Yes
Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Garden Tub: Yes
MBath Separate Shwr: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes
MBed Sitting Area: Yes
See Remarks: Yes

Association Amenities

Basketball Court: Yes
Dock: Yes
Fishing: Yes
Gated Community: Yes
Playground: Yes
Tennis: Yes
Waterfront: Yes
Boat Slip: Yes
Pickle Ball: Yes
Other – See Remarks: Yes

Rooms

Bedroom: Yes
Covered Porch: Yes
Dining Room: Yes
Family Room: Yes
Garage: Yes
Kitchen: Yes
Living Room: Yes
Master Bathroom: Yes
Master Bedroom: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Natural Gas – Connected: Yes
Internet – Broadband Available: Yes
Phone – Available: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Underground Utilities: Yes

Waterview

Pond: Yes

Accessibility Features

Accessible Bedroom: Yes
Accessible Central Living Area: Yes
Accessible Closets: Yes
Accessible Common Area: Yes
Accessible Doors: Yes
Accessible Full Bath: Yes
Accessible Hallway(s): Yes
Accessible Kitchen: Yes
Accessible Kitchen Appliances: Yes
Accessible Washer/Dryer: Yes
Central Living Area: Yes

Waterfront Type

Other: Yes
See Remarks: Yes

Master Bedroom

First: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes
Fireplace – Gas: Yes

Security Features

Gated Community: Yes
Security Gate: Yes
See Remarks: Yes

Property Features

Accessibility Features: Accessible Bedroom; Accessible Central Living Area; Accessible Closets; Accessible Common Area; Accessible Doors; Accessible Full Bath; Accessible Hallway(s); Accessible Kitchen; Accessible Kitchen Appliances; Accessible Washer/Dryer; Central Living Area Appliances: Dishwasher; Disposal; Dryer; Ice Maker; Microwave; Oven – Double; Range – Gas; Refrigerator; Washer; Water Heater – Gas; Water Heater – Tankless; Wine Refrigerator; Other Master Bedroom: First Bedroom: Second Cooling: Ceiling Fan(s); Central Air Heating: Central; Fireplace – Gas Exterior: Double Pane Windows; Fire Pit; Porch Covered; Sprinkler System; Storm Doors; Storm Windows; Tinted Windows Association Fees Include: Dock; Fishing; Gated Community; Handball; Management; Master Association; Playground; Tennis; Other – See Remarks Financing: Cash; Conventional; FHA; Seller Financing; VA Furnished: Negotiable Interior: Smart Thermostat Kitchen: First Living Room: First Lot Features: Covenants; Cul-De-Sac; Near Beach Access; Restrictions; Within 1/2 Mile to Water; Other – See Remarks Lot Access: Gated Access; Paved Road Master Bathroom: First Covered Porch: First Dining Room: First Family Room: Second Garage: First Security Features: Gated Community; Security Gate; See Remarks Parking Features: Driveway; Garage Attached Association Amenities: Basketball Court; Boat Slip; Dock; Fishing; Gated Community; Pickle Ball; Playground; Tennis; Waterfront; Other – See Remarks Rooms: Bedroom; Covered Porch; Dining Room; Family Room; Garage; Kitchen; Living Room; Master Bathroom; Master Bedroom Utilities: TV Cable; Electricity – Connected; Internet – Broadband Available; Natural Gas – Connected; Phone – Available; Public Sewer – Connected; Public Water – Connected; Underground Utilities Waterfront Type: Other; See Remarks Waterfront Feature: Shore – Natural Waterview: Pond

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	20.7 x 19.8	20.70	19.80
Dining Room	First	14.6 x 10.7	14.60	10.70
Kitchen	First	17 x 12.4	17.00	12.40
Master Bedroom	First	15.8 x 16	15.80	16.00
Master Bathroom	First	16 x 14	16.00	14.00
Bedroom	Second	17 x 13.1	17.00	13.10
Bedroom	Second	14.6 x 13.4	14.60	13.40
Bedroom	Second	13.2 x 12.6	13.20	12.60
Family Room	Second	23.8 x 26.2	23.80	26.20
Covered Porch	First	20 x 13	20.00	13.00
Garage	First	30.2 x 25	30.20	25.00

Listing Office: Scenic Sotheby's International Realty

Last Updated: June – 27 – 2025

Information deemed reliable but not guaranteed.