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For sale
  • Price cut: $200K (8/4)
    $2,750,000

    3305 Terra Cotta Dr, Panama City Beach, FL 32408

    4beds
    4,022sqft
    : 
    Single Family Residence
    Built in 2014
    0.39 Acres Lot
    $2,524,900 Zestimate®
    $684/sqft
    $170/mo HOA

    What's special

    Quartzite countersGrilling kitchen areasQuiet cul-de-sacAmple grass for petsGame room and barWaterfront luxuryDeeded boat slip
    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. 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 $663.98 for slip assessment. *See documents for exclusions list Buyer to verify all measurements
    35 days
    on Zillow
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    Zillow last checked: 7 hours ago

    Listing updated: August 05, 2025 at 06:54am

    Listed by:

    Stephen P Trosclair 850-778-5120,

    Keller Williams Success Realty

    Source: CPAR,MLS#: 775719MLS LogoOriginating MLS: Central Panhandle Association of REALTORS
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    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 4
    • Bathrooms: 5
    • Full bathrooms: 3
    • 1/2 bathrooms: 2
    Rooms
    • Room types: Bedroom, Dining Room, Exercise Room, Family Room, Kitchen, Laundry, Primary Bedroom, Bonus Room
    Primary bedroom
    • Level: First
    • Area: 248
    • Dimensions: 16 x 15.5
    Primary bedroom
    • Level: First
    • Area: 248
    • Dimensions: 16 x 15.5
    Bedroom
    • Level: Second
    • Area: 163.13
    • Dimensions: 14.83 x 11
    Bedroom
    • Description: Balcony
    • Level: Second
    • Area: 175.39
    • Dimensions: 13.67 x 12.83
    Bedroom
    • Description: 2nd Owner's Suite
    • Level: Second
    • Area: 255.75
    • Dimensions: 16.5 x 15.5
    Bedroom
    • Description: Balcony
    • Level: Second
    • Area: 175.39
    • Dimensions: 13.67 x 12.83
    Bedroom
    • Level: Second
    • Area: 163.13
    • Dimensions: 14.83 x 11
    Bedroom
    • Description: 2nd Owner's Suite
    • Level: Second
    • Area: 255.75
    • Dimensions: 16.5 x 15.5
    Other
    • Description: Irregular shape
    • Level: Second
    • Area: 330
    • Dimensions: 30 x 11
    Other
    • Description: Owner's Suite Closet
    • Level: First
    • Area: 168
    • Dimensions: 14 x 12
    Other
    • Description: Irregular shape
    • Level: Second
    • Area: 330
    • Dimensions: 30 x 11
    Other
    • Description: Owner's Suite Closet
    • Level: First
    • Area: 168
    • Dimensions: 14 x 12
    Other
    • Description: Front
    • Level: Second
    • Area: 55.25
    • Dimensions: 6.5 x 8.5
    Other
    • Description: Front
    • Level: Second
    • Area: 55.25
    • Dimensions: 6.5 x 8.5
    Bonus room
    • Description: Game/Media w/ Wet Bar
    • Level: Second
    • Area: 514.5
    • Dimensions: 21 x 24.5
    Bonus room
    • Description: Game/Media w/ Wet Bar
    • Level: Second
    • Area: 514.5
    • Dimensions: 21 x 24.5
    Dining room
    • Level: First
    • Area: 188.5
    • Dimensions: 13 x 14.5
    Dining room
    • Level: First
    • Area: 188.5
    • Dimensions: 13 x 14.5
    Exercise room
    • Description: Irregular shape
    • Level: First
    • Area: 135
    • Dimensions: 15 x 9
    Exercise room
    • Description: Irregular shape
    • Level: First
    • Area: 135
    • Dimensions: 15 x 9
    Family room
    • Level: First
    • Area: 504
    • Dimensions: 21 x 24
    Family room
    • Level: First
    • Area: 504
    • Dimensions: 21 x 24
    Kitchen
    • Level: First
    • Area: 304.5
    • Dimensions: 21 x 14.5
    Kitchen
    • Level: First
    • Area: 304.5
    • Dimensions: 21 x 14.5
    Laundry
    • Description: Irregular shape
    • Level: First
    • Area: 70
    • Dimensions: 10 x 7
    Laundry
    • Description: Irregular shape
    • Level: First
    • Area: 70
    • Dimensions: 10 x 7
    Heating
    • Central, Fireplace(s)
    Cooling
    • Central Air, Ceiling Fan(s)
    Appliances
    • Included: Bar Fridge, Double Oven, Dishwasher, Gas Cooktop, Disposal, Ice Maker, Refrigerator, Range Hood, Tankless Water Heater, Wine Cooler
    Features
    • Attic, Wet Bar, Tray Ceiling(s), Fireplace, High Ceilings, Kitchen Island, Pull Down Attic Stairs, Split Bedrooms, Shutters
    • Windows: Plantation Shutters
    • Attic: Pull Down Stairs
    • Has fireplace: Yes
    • Fireplace features: Gas, Outside
    Interior area
    • Total interior livable area: 4,022 sqft

    Property

    Parking
    • Total spaces: 3
    • Parking features: Attached, Garage, Garage Door Opener, Oversized
    • Attached garage spaces: 3
    • Details: Driveway Spaces:3.00
    Features
    • Patio & porch: Balcony, Covered, Patio
    • Exterior features: Built-in Barbecue, Balcony, Columns, Fire Pit, Sprinkler/Irrigation, Outdoor Kitchen
    • Has private pool: Yes
    • Pool features: Gunite, Gas Heat, Pool, Private, Pool/Spa Combo
    • Fencing: Partial
    • Has view: Yes
    • View description: Bay, Lagoon
    • Has water view: Yes
    • Water view: Bay,Lagoon
    • Waterfront features: Bay Access, Boat Dock/Slip, Waterfront
    • Frontage length: 70
    Lot
    • Size: 0.39 Acres
    • Dimensions: 188 x 89 x 198 x 70
    • Features: Cul-De-Sac, Landscaped, Waterfront
    Details
    • Parcel number: 31424562000
    • Zoning description: Resid Single Family
    • Special conditions: Listed As-Is

    Construction

    Type & style
    • Home type: SingleFamily
    • Architectural style: Mediterranean
    • Property subtype: Single Family Residence
    Materials
    • Stucco
    • Roof: Clay
    Condition
    • Year built: 2014

    Utilities & green energy

    • Electric: Generator
    • Water: Well
    • Utilities for property: Cable Connected, Water Available

    Community & HOA

    Community
    • Features: Basketball Court, Dock, Pickleball, Tennis Court(s), Gated, Sidewalks
    • Security: Fire Alarm, Gated Community, Smoke Detector(s), Security System
    • Subdivision: Finisterre
    HOA
    • Has HOA: Yes
    • Amenities included: Gated
    • Services included: Other, Playground, See Remarks, Tennis Courts
    • HOA fee: $2,035 annually
    Location
    • Region: Panama City Beach

    Financial & listing details

    • Price per square foot: $684/sqft
    • Tax assessed value: $1,038,790
    • Annual tax amount: $10,439
    • Date on market: 7/1/2025
    • Listing terms: Cash,Conventional
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