#773896, Listing office: Scenic Sotheby's International Realty
$2,950,000 List price
3305 Terra Cotta Dr Panama City Beach, FL 32408
4 beds
3 full, 2 partial
4,022 sqft
0.4 acres
$733 / sqft
House
Property details
About 3305 Terra Cotta Dr
Waterfront luxury tucked into a quiet cul-de-sac in gated Finisterre, with views to the sandy beaches at St. Andrews State Park and the Pass. Deeded boat slip at community dock included with acceptable contract on this highly desirable home. Oversized 3-car garage with additional separate storage for all your toys. 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 Owner's Suite with sunrise views over the lagoon and large balcony. 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. Designed by Michael Hunnicutt and built by John Spillers. Plenty of nice surprises in this thoughtfully designed custom home, including understairs wine chamber. Seller is licensed real estate agent. If boat slip conveys, annual HOA fee is increased by $663.98 for slip assessment. *See documents for exclusions list Buyer to verify all measurements
Highlights
Home typeSingle Family Residence
HeatingCentral, Fireplace(s)
StatusActive
CoolingCentral Air, Ceiling Fan(s)
Size4,022 sqft
Lot size0.39 Acres
Year built2014
ParkingAttached, Garage, Garage Door Opener, Oversized
MLS #775719
Attached garage3 spaces
WaterfrontBay, Dock, Boat Slip, Waterfront
FireplaceGas, Outside
ViewBay, Lagoon
Private poolYes
Virtual tour
Summary
- Partial Bathrooms: 2
- Full Bathrooms: 3
- Appliances: Bar Fridge, Double Oven, Dishwasher, Gas Cooktop, Disposal, Ice Maker, Refrigerator, Range Hood, Tankless Water Heater, Wine Cooler
- Interior: Attic, Wet Bar, Tray Ceiling(s), Fireplace, High Ceilings, Kitchen Island, Pull Down Attic Stairs, Split Bedrooms, Shutters
- Fireplace: Gas, Outside
- Total Bedroom Count: 4
- Garage Space: 3 spaces
- Attached Garage: Yes
- Private Pool: Yes
- Parking: Attached, Garage, Garage Door Opener, Oversized
- Waterfront: Bay, Dock, Boat Slip, Waterfront
- View: Bay, Lagoon
- Exterior: Built-in Barbecue, Balcony, Columns, Fire Pit, Sprinkler/Irrigation, Outdoor Kitchen
- Architectural Style: Mediterranean
- Heating: Central, Fireplace(s)
- Cooling: Central Air, Ceiling Fan(s)
- List Price: $2,950,000
- Price/SqFt: $733
- HOA Amount: $2034 Annually
- Annual Tax Amount: $10,299
- Tax Year: 2023
- Lot: Cul-De-Sac, Landscaped, Waterfront
- Directions: Finisterre is at east end of North Lagoon. Go through gate, turn left and the house is the last house on the right. Gate code required.
- Year Built: 2014
- Living Area: 4,022 SqFt
- Lot Size: 0.39 Acres
- MLS Number: 775719
- MLS Name: BCAR
- Office Name: Keller Williams Success Realty
The data relating to real estate for sale on this web site comes in part from the Internet Data exchange program of Central Panhandle Association of REALTORS®. IDX information is provided exclusively 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 deemed reliable but not guaranteed. Properties subject to prior sale, change, withdrawal or rental. Copyright© 2025 Central Panhandle Association of REALTORS.© All Rights Reserved.
Data displayed may be a portion of, and not a complete set of all listings published in the MLS.
Last updated on: 7/30/2025, 3:45:31 PM Eastern. If you have any questions regarding the accuracy of this data, please contact us at help@rockethomes.com.
Price information
Property sales
| Date | Event | Price |
|---|---|---|
| Oct 15, 2010 | Home Sold | $189,000 |
Tax history
| Year | Assessment | Property Tax |
|---|---|---|
| 2023 | $859,598 | $10,299 |
| 2022 | $834,561 | $9,252 |
| 2021 | $789,622 | $9,252 |
History based on county public records data.
Nearby schools
7
Patronis Elementary School
Public District KG-5
2.1 mi
•7400 Patronis Dr
5
Lucille Moore Elementary School
Public District PK-5
3.0 mi
•1900 Michigan Ave
1
St. Andrew School at Oakland Terrace
Public District PK-5
3.2 mi
•2010 W 12th St
School ratings are a score out of 10, where 10 is the highest and 1 is the lowest.
Neighborhood
The neighbors living near this home have an average income of $73,214. Residents of Panama City Beach, FL typically earn between $35k-100k each year. Most families are married, no kids. Typical level of education for residents in this area is post secondary degree.
How much money do the neighbors make?
24%
<35k
42%
35k-100k
29%
100k-200k
5%
200k+
What level of education do the neighbors have?
High School Diploma
Post Secondary Degree
Masters Degree
What types of families live nearby?
39%
Single, No Kids
4%
Single, with Kids
42%
Married, No Kids
15%
Married, with Kids
Are the neighbors home owners or renters?
Home Owners
Renters
How old are people in this area?
9%
<11 yrs old
6%
12-17 yrs old
12%
18-34 yrs old
47%
35-64 yrs old
26%
65+ yrs old
What do the neighbors do for fun?
Symphony or Opera
Horse Races
Soccer
Where do the neighbors shop?
Chico's
Stein Mart
Forever 21
Where do the neighbors go to eat?
Boston Market
LongHorn Steakhouse
Dominos Pizza
What do the neighbors drive?
Volvo
Buick
Mazda
What do the neighbors listen to?
Talk/Personality- Contemporary Inspirational
Rhythmic Contemporary Hits
All data provided by Home Junction and Claritas
Similar homes for sale
#775362, Listing office: CENTURY 21 AllPoints Realty
#977449, Matthew W Fancher, Listing office: The Beach Group Properties LLC
#774214, Listing office: The Beach Group Properties LLC
#772006, Listing office: Keller Williams Realty Emerald
#978645, Jessica J Albritton, Listing office: Beachy Beach Real Estate
#775452, Listing office: Keller Williams Realty Emerald
#772906, Listing office: Coastal Sun Realty LLC
#966829, Michele E Morros, Listing office: Keller Williams Success Realty
#762574, Listing office: Sims Resort Realty, Inc
Frequently asked questions
About 3305 Terra Cotta Dr
The listing price of 3305 Terra Cotta Dr property is $2,950,000.
The property 3305 Terra Cotta Dr is a house located in Panama City Beach, Florida, 32408.
Active Listing: 3305 Terra Cotta Dr is For Sale (Active/New) which means the seller is accepting offers.
The nearby schools for 3305 Terra Cotta Dr are: Patronis Elementary School (GreatSchools Rating 7/10), Lucille Moore Elementary School (GreatSchools Rating 5/10), St. Andrew School at Oakland Terrace (GreatSchools Rating 1/10), Jinks Middle School (GreatSchools Rating 2/10), University Academy Sabl Inc (GreatSchools Rating 10/10), Breakfast Point Academy (GreatSchools Rating 6/10), Rising Leaders Academy (GreatSchools Rating 5/10), Bay Virtual Franchise (GreatSchools Rating 6/10), Central High School (GreatSchools Rating 2/10).
According to the records, the last property tax for 2023 is $10,299 (source: MLS/based on county public records data).
The last sale was on October 15, 2010 for $189,000 (source: MLS/tax record).
The property at 3305 Terra Cotta Dr has 4 bedrooms and 3 full and 2 half bathrooms.
The property 3305 Terra Cotta Dr is 4,022 SqFt (source: MLS/tax record).
The year of construction for 3305 Terra Cotta Dr is 2014.
This home is located at 3305 Terra Cotta Dr in Panama City Beach, FL and zip code 32408. This 4,022 square foot home, which was built in 2014, sits on a 0.39 acre lot. Features: 4 bedrooms, 5 bathrooms. It has been listed on Rocket Homes since July 10, 2025 and is currently priced at $2,950,000.
Over 26 listings were sold over their listed price in June 2025 in Panama City Beach, FL. In the same period over 144 listings were sold below the listed price and 47 listings were sold for the listed price. The inventory of homes for sale in Panama City Beach, FL between May and June 2025 decreased by 2.4%. While the average time on the market in June 2025 was 78 days, the median list price was $330,871.
From Rocket Homes Real Estate and based on county public records data.