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$2,500,000

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 2 Partial Baths
  • Updated 8 days ago
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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

Full Property Details for 3305 Terra Cotta Dr

General

  • Price: $2,500,000
  • Taxes: $10,754 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 787408
  • Updated: 3/26/2026
  • Added to Site: 9 day(s) ago

Interior

  • Number of Rooms: 13
  • Interior Features: Interior Steps
  • Fireplace: Yes
  • Fireplace(s): Gas
  • Appliances: Bar Fridge, Gas Cooktop, Ice Maker, Tankless Water Heater, Wine Cooler

Rooms

Bathrooms

  • Total Bathrooms: 5
  • Full Bathrooms: 3
  • Half Bathrooms: 2

Bedrooms

  • Total Bedrooms: 4

Additional Information

  • Shared Amenities: Gated
  • Pool: Yes
  • Private Pool: Yes
  • Pool Description: Gunite, Gas Heat, Private
  • Tennis: Yes
  • Security/Safety: Security System Owned, Gated Community, Fire Alarm, Smoke Detector(s)

Exterior

  • Exterior Features: Barbecue, Boat Slip, Fire Pit, Outdoor Kitchen
  • Porch/Patio/Deck: Balcony, Covered, Patio

Parking

  • Garage: Yes
  • Garage Spaces: 3
  • Parking Features: Garage, Garage Door Opener

Location

  • County: Bay
  • Subdivision: Finisterre
  • Driving Directions: Navy Drive to North Lagoon. Finisterre is at end of North Lagoon, past Captain Andersons.

School Information

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

Community

  • Community Name: 03 - Bay County - Beach
  • Association: Yes

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Ceiling Fan(s)
  • Heating Type: Central, Fireplace(s)

Utilities

  • Sewer: Public Sewer
  • Utility Description: Cable Connected

Structural Information

  • Architectural Style: Mediterranean
  • Construction: Stucco
  • Roof: Clay
  • Stories/Levels: 2
  • Sq. Ft. Source: Appraiser
  • Year Built: 2014

Lot Features

  • Property View: Bay, Lagoon
  • Lot Size (Acres): 0.39
  • Lot Size (Sq. Ft.): 17,000
  • Lot Size: .39
  • Lot Dimensions: 188 x 89 x 198 x 70
  • Lot Features: Cul-De-Sac, Sprinkler System
  • Zoning: Resid Single Family
  • Fencing (Description): Partial

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: Bayfront, Lagoon
  • Water Front View: Bayfront, Lagoon
  • Boat Dock Slip: Yes

Financial Considerations

  • Tax Amount: $10,754
  • Tax Year: 2025

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: FINISTERRE SUB PH II 69D3 LOT 12 BLK A ORB 3276 P 1296 . ORB 4664 P 1128 BOAT SLIP 2A
  • Property ID: 31424-562-000

Listed by Keller Williams Success Realty

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— 3305 Terra Cotta Dr —

  • Keller Williams Success Realty

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NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Schools serving 3305 Terra Cotta Dr

School District:Bay County School District
NameGradesDistance
Patronis Elementary School
7400 Patronis Dr, Panama City Beach, FL 32408
K-52.1 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-87.9 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-126 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 3305 Terra Cotta Dr Get Price Alerts and Save Property

Date
Details
Price
Change
Source
3/26/2026
Listed
$2,500,000
1222.75%
MLS
10/14/2010
Sold
$189,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 3305 Terra Cotta Dr

Year
Property Taxes
Change
Tax Assessment
Change
2025
$10,714
3%
$911,062
3%
2024
$10,439
1%
$885,386
3%
2023
$10,299
14%
$859,598
9%
2021
$9,056
-2%
$789,622
-5%
2022
$9,252
2%
$834,561
7%
2021
$9,056
11%
$778,720
20%
2019
$8,155
9%
$651,170
10%
2018
$7,450
-1%
$591,973
—
2017
$7,528
-2%
$594,169
-1%
2016
$7,711
-3%
$597,601
—
2015
$7,927
332%
$597,601
329%
2014
$1,834
13%
$139,150
—
2013
$1,625
—
$139,150
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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3305 Terra Cotta Drive, Panama City, FL 32408 (MLS# 787408) is a Single Family property with 4 bedrooms, 3 full bathrooms and 2 partial bathrooms. 3305 Terra Cotta Drive is currently listed for $2,500,000 and was received on March 26, 2026. Want to learn more about 3305 Terra Cotta Drive? Do you have questions about finding other Single Family real estate for sale in Panama City? You can browse all Panama City real estate or contact a Coldwell Banker agent to request more information.

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