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
For sale
Price cut: $200K (8/4)
$2,750,000
3305 Terra Cotta Dr, Panama City Beach, FL 32408
4beds
4,022sqft
Est.:
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
- 35 days
- on Zillow |
- 766 |
- 37 |
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#: 775719
Originating MLS: Central Panhandle Association of REALTORS

Travel times
Tour with a buyer's agent
Tour with a buyer's agent
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
Video & virtual tour
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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