3305 Terra Cotta Drive, Panama City, FL 32408 (MLS# 787408)

3305 Terra Cotta Drive, Panama City, FL 32408

$2,500,000

Property Type: Residential Bedrooms: 4 Baths: 5 Square Footage: 4,022 Lot Size (sq. ft.): 17,000 Status: Active

Current Price: $2,500,000 List Date: 3/26/2026 Last Modified: 3/26/2026

Overview

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 inc … (Read more)

Listing Details MLS# 787408

Contract Info

List Price/SqFt: 621.58

Location

Area: 03 – Bay County – Beach
Street #: 3305
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
Gulf Access: Yes
Parcel ID: 31424-562-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: Navy Drive to North Lagoon. Finisterre is at end of North Lagoon, past Captain Andersons.
Legal Description: FINISTERRE SUB PH II 69D3 LOT 12 BLK A ORB 3276 P 1296 . ORB 4664 P 1128 BOAT SLIP 2A

General Property Info

Sub-Type: Detached Single Family
Design: Mediterranean
Apx SqFt(Htd/Cooled): 4022
SqFt Source: An Appraiser
Full Baths: 3
Half Baths: 2
Total Baths: 5
# of Stories in Building: 2
# of Units in Bldg: Yes
Year Built: 2014
Immediate Occupancy: No
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Driveway Spaces: 4
Lot Dimensions: 188 x 89 x 198 x 70
Acreage: 0.39
Lot Size (SqFt): 17000
Pool: Yes
Pool Type: Private

Waterfront Feature

Waterfront Feet: 70
Boat Slip: Yes

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 1957
HOA Frequency: Annually
HOA Annual Amount: 1957
Senior Community: No
Is Subject Leased: No
New Buyer Fee: Yes
New Buyer Fee Amt: 900
Last Taxes: 10754
Last Tax Year: 2025
Lot: 12
Block: A
Brokerage Interest: Ownership Interest – Listing Broker/Salesperson has ownership interest in the property.
As Is: Yes
Township: PANAMA CITY
Condo Doc: No

Remarks & Misc

Remarks: 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

More Information

Balcony

Second: Yes

Bonus Room

Second: Yes

Dining Room

First: Yes

Exercise Room

First: Yes

Family Room

First: Yes

Laundry

First: Yes

Owner's Closet

First: Yes

Pool Features

Gunite Concrete: Yes
Heated – Gas: Yes
Pool/Spa Combo: Yes

Appliances

Bar Fridge: Yes
Cooktop – Gas: Yes
Dishwasher: Yes
Disposal: Yes
Ice Maker: Yes
Oven – Double: Yes
Range Hood: Yes
Refrigerator: Yes
Water Heater – Tankless: Yes
Wine Cooler: Yes

Interior Features

Ceiling – Crwn Molding: Yes
Ceiling – Raised: Yes
Fireplace: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Plantation Shutters: Yes
Pull Down Stairs: Yes
Security System: Yes
Split Bedroom: Yes
Stairs: Yes
Wet Bar: Yes

Construction/Siding

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

Exterior

Balcony: Yes
Built-in Barbecue/Grill: Yes
Columns: Yes
Fenced Lot-Part: Yes
Fire Pit: Yes
Fireplace: Yes
Summer Kitchen: Yes
Patio Covered: Yes
Sprinkler System: Yes

Association Fees Include

Gated Community: Yes
Playground: Yes
Tennis: Yes
Other – See Remarks: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Negotiable: Yes

Interior

Bonus Room: Yes
Ceiling – Tray: Yes

Kitchen

First: Yes

Lot Features

Cul-De-Sac: Yes
Landscaped: Yes
Sidewalk: Yes
Survey Available: Yes
Waterfront: Yes

Parking Features

Garage Attached: Yes
Garage Door Opener: Yes
Oversized: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Walk-In Closet: Yes
MBath Whirlpool: Yes
MBed First Floor: Yes
MBed Walk-in Closet: Yes
MBed Waterfront: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Basketball Court: Yes
Dock: Yes
Gated Community: Yes
Playground: Yes
Tennis: Yes
Boat Slip: Yes
Pickle Ball: Yes

Rooms

Balcony: Yes
Bedroom: Yes
Bonus Room: Yes
Dining Room: Yes
Exercise Room: Yes
Family Room: Yes
Kitchen: Yes
Laundry: Yes
Master Bedroom: Yes
Owner's Closet: Yes

Showing

Security System: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Generator: Yes
Private Well: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Bay: Yes
Lagoon: Yes

Sale Type

As Is: Yes

Waterfront Type

Bay/Harbor: Yes
Lagoon/Estuary: Yes

Master Bedroom

First: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes
Fireplace – Gas: Yes
Fireplace(s): Yes

Security Features

Fire Alarm: Yes
Gated Community: Yes
Security System Owned: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Bar Fridge; Cooktop – Gas; Dishwasher; Disposal; Ice Maker; Oven – Double; Range Hood; Refrigerator; Water Heater – Tankless; Wine Cooler Master Bedroom: First Bedroom: Second Cooling: Ceiling Fan(s); Central Air Heating: Central; Fireplace – Gas; Fireplace(s) Exterior: Balcony; Built-in Barbecue/Grill; Columns; Fenced Lot-Part; Fire Pit; Fireplace; Summer Kitchen; Patio Covered; Sprinkler System Association Fees Include: Gated Community; Playground; Tennis; Other – See Remarks Financing: Cash; Conventional Furnished: Negotiable Interior: Bonus Room; Ceiling – Tray Kitchen: First Lot Features: Cul-De-Sac; Landscaped; Sidewalk; Survey Available; Waterfront Balcony: Second Bonus Room: Second Dining Room: First Exercise Room: First Family Room: First Laundry: First Owner's Closet: First Pool Features: Gunite Concrete; Heated – Gas; Pool/Spa Combo Security Features: Fire Alarm; Gated Community; Security System Owned; Smoke Detector(s) Parking Features: Garage Attached; Garage Door Opener; Oversized Association Amenities: Basketball Court; Boat Slip; Dock; Gated Community; Pickle Ball; Playground; Tennis Rooms: Balcony; Bedroom; Bonus Room; Dining Room; Exercise Room; Family Room; Kitchen; Laundry; Master Bedroom; Owner's Closet Sale Type: As Is Showing: Security System Utilities: TV Cable; Electricity – Connected; Generator; Private Well; Public Sewer – Connected; Public Water – Connected Waterfront Type: Bay/Harbor; Lagoon/Estuary Waterfront Feature: Boat Slip Waterview: Bay; Lagoon Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Family Room	First	21 x 24	21.00	24.00
Kitchen	First	21 x 14.5	21.00	14.50
Dining Room	First	13 x 14.5	13.00	14.50
Master Bedroom	First	16 x 15.5	16.00	15.50
Owner's Closet	First	14 x 12	14.00	12.00	Owner's Suite Closet
Exercise Room	First	15 x 9	15.00	9.00	Irregular shape
Bedroom	Second	16.5 x 15.5	16.50	15.50	2nd Owner's Suite
Bedroom	Second	14.83 x 11	14.83	11.00
Bedroom	Second	13.67 x 12.83	13.67	12.83	Balcony
Bonus Room	Second	21 x 24.5	21.00	24.50	Game/Media w/ Wet Bar
Balcony	Second	30 x 11	30.00	11.00	Irregular shape
Balcony	Second	6.5 x 8.5	6.50	8.50	Front
Laundry	First	10 x 7	10.00	7.00	Irregular shape

Listing Office: Keller Williams Success Realty

Last Updated: March – 26 – 2026

Information deemed reliable but not guaranteed.