$525,000
Panama City Beach, FL 32408
MLS# 789569

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Property Description
Welcome to an extraordinary opportunity inside the prestigious gated waterfront community of Finnisterre -- one of Bay County's most exclusive luxury neighborhoods. Situated along the sparkling waters of St. Andrews Bay, this rare waterfront homesite at 3301 Terra Cotta offers a breathtaking setting to build a true coastal masterpiece. Surrounded by elegant custom homes, lush tropical landscaping, and winding private streets, Finnisterre is renowned for its upscale atmosphere, stunning architecture, and unmatched waterfront lifestyle. Residents enjoy beautifully maintained common areas, a private and peaceful setting, and a sense of luxury that is immediately felt the moment you enter the neighborhood. This exceptional lot features expansive water views and a unique peninsula-style setting that creates an incredible sense of privacy and exclusivity. Boaters will appreciate the prime location just minutes from the Pass, providing quick and convenient access from St. Andrews Bay directly to the Gulf of America for world-class fishing, boating, waterfront dining, and endless days on the water. Whether you envision a luxury coastal estate with panoramic bay views, a private retreat surrounded by nature, or the ultimate entertaining property, these homesites offer a rare combination of beauty, location, and lifestyle that is becoming increasingly difficult to find along the Emerald Coast. Enjoy the perfect blend of tranquility and convenience while remaining close to premier marinas, golf courses, shopping, dining, and the white sand beaches that make Northwest Florida famous. Luxury waterfront opportunities like this in Finnisterre are exceptionally rare. (Measurements and other pertinent information should be verified by buyer if deemed important.) (Listing photos AI enhanced for color and clarity)
Details
Maps
Contract Info
List Price/Acre: 1050000
Status: Active
List Date: 2026-05-06
List Price: $525,000
Current Price: $525,000
Location
Sub Area: 0319 - Beach - East
Community/Resort: None
Waterfront: Yes
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: TAKE THOMAS DRIVE TO N. LAGOON AND TURN AT CAPT. ANDERSON'S RESTAURANT GOING EAST FOLLOW NORTH LAGOON UNTIL IT ENDS.
Street #: 3301
Street Name: Terra Cotta
Street Suffix: Drive
Area: 03 - Bay County - Beach
State: FL
Zip Code: 32408
County: Bay
Subdivision: Finisterre
Parcel ID: 31424-564-000
Legal Description: FINISTERRE SUB PH II 69D3 LOT 14 BLK A ORB 1860 P 1361 ORB 2325 P 373 ORB 2437 P 2155 DELETE COMB WITH 31424-563-000
General Property Info
Acreage: 0.5
Lot Size (SqFt): 21780
Lot Dimensions: irregular
Sub-Type: Vacant Land
Listing Info, Tax & Legal
HOA Fee: Yes
HOA Amount: 4269.62
HOA Frequency: Annually
HOA Annual Amount: 4269.62
Last Taxes: 1916
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Remarks & Misc
Remarks: Welcome to an extraordinary opportunity inside the prestigious gated waterfront community of Finnisterre -- one of Bay County's most exclusive luxury neighborhoods. Situated along the sparkling waters of St. Andrews Bay, this rare waterfront homesite at 3301 Terra Cotta offers a breathtaking setting to build a true coastal masterpiece.
Surrounded by elegant custom homes, lush tropical landscaping, and winding private streets, Finnisterre is renowned for its upscale atmosphere, stunning architecture, and unmatched waterfront lifestyle. Residents enjoy beautifully maintained common areas, a private and peaceful setting, and a sense of luxury that is immediately felt the moment you enter the neighborhood.
This exceptional lot features expansive water views and a unique peninsula-style setting that creates an incredible sense of privacy and exclusivity. Boaters will appreciate the prime location just minutes from the Pass, providing quick and convenient access from St. Andrews Bay directly to the Gulf of America for world-class fishing, boating, waterfront dining, and endless days on the water.
Whether you envision a luxury coastal estate with panoramic bay views, a private retreat surrounded by nature, or the ultimate entertaining property, these homesites offer a rare combination of beauty, location, and lifestyle that is becoming increasingly difficult to find along the Emerald Coast.
Enjoy the perfect blend of tranquility and convenience while remaining close to premier marinas, golf courses, shopping, dining, and the white sand beaches that make Northwest Florida famous.
Luxury waterfront opportunities like this in Finnisterre are exceptionally rare.
(Measurements and other pertinent information should be verified by buyer if deemed important.)
(Listing photos AI enhanced for color and clarity)
Association Fees Include
Gated Community: 1
Lot Features
Irregular: 1
Survey Available: 1
Water Rights: 1
Waterfront: 1
Waterfront Feature
Shore - Natural: 1
Present Zoning
Resid Single Family: 1
Utilities
All Utilities: 1
Waterview
Bay: 1
Sale Type
As Is: 1
Waterfront Type
Bay/Harbor: 1
Property Features
Lot Features: Irregular; Survey Available; Water Rights; Waterfront
Sale Type: As Is
Utilities: All Utilities
Waterfront Type: Bay/Harbor
Waterfront Feature: Shore - Natural
Waterview: Bay
Present Zoning: Resid Single Family
Listing Office: Counts Real Estate Group
Last Updated: May - 07 - 2026
Information deemed reliable but not guaranteed.
