3305 Terra Cotta Drive, Panama City, FL 32408 (MLS# 787408)

Homestead: Yes

HOA Fee: Yes

HOA Amount: 1957

HOA Frequency: Annually

HOA Annual Amount: 1957

Senior Community: No

Is Subject Leased: No

New Buyer Fee: Yes

New Buyer Fee Amt: 900

Last Taxes: 10754

Last Tax Year: 2025

Lot: 12

Block: A

Brokerage Interest: Ownership Interest - Listing Broker/Salesperson has ownership interest in the property.

As Is: Yes

Township: PANAMA CITY

Condo Doc: No

List Price/SqFt: 621.58

Status: Active

List Date: 2026-03-26

List Price: $2,500,000

Current Price: $2,500,000

Sub Area: 0319 - Beach - East

Community/Resort: None

Waterfront: Yes

Gulf Access: Yes

Elementary School: Patronis

Middle School: Surfside

High School: Arnold

Directions: Navy Drive to North Lagoon. Finisterre is at end of North Lagoon, past Captain Andersons.

Area: 03 - Bay County - Beach

Street #: 3305

Street Name: Terra Cotta

Street Suffix: Drive

State: FL

Zip Code: 32408

County: Bay

Subdivision: Finisterre

Parcel ID: 31424-562-000

Legal Description: FINISTERRE SUB PH II 69D3 LOT 12 BLK A ORB 3276 P 1296 . ORB 4664 P 1128 BOAT SLIP 2A

Acreage: 0.39

Design: Mediterranean

Lot Size (SqFt): 17000

Apx SqFt(Htd/Cooled): 4022

Immediate Occupancy: No

Construction Status: Construction Complete

SqFt Source: An Appraiser

Half Baths: 2

# of Stories in Building: 2

# of Units in Bldg: 1

Pre-Const Flip: No

Lot Dimensions: 188 x 89 x 198 x 70

New Construction: No

Garage Y/N: Yes

Garage Spaces: 3

Driveway Spaces: 4

Pool: Yes

Pool Type: Private

Sub-Type: Detached Single Family

Bedrooms: 4

Full Baths: 3

Total Baths: 5

Year Built: 2014

Remarks: 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 *** Achosa Home Warranty

Second: 1

Second: 1

First: 1

First: 1

First: 1

First: 1

First: 1

Gunite Concrete: 1

Heated - Gas: 1

Pool/Spa Combo: 1

Bar Fridge: 1

Cooktop - Gas: 1

Dishwasher: 1

Disposal: 1

Ice Maker: 1

Oven - Double: 1

Range Hood: 1

Refrigerator: 1

Water Heater - Tankless: 1

Wine Cooler: 1

Ceiling - Crwn Molding: 1

Ceiling - Raised: 1

Fireplace: 1

Floor - Hardwood: 1

Floor - Tile: 1

Kitchen Island: 1

Plantation Shutters: 1

Pull Down Stairs: 1

Security System: 1

Split Bedroom: 1

Stairs: 1

Wet Bar: 1

Roof - Clay/Concrete: 1

Siding - Stucco: 1

Balcony: 1

Built-in Barbecue/Grill: 1

Columns: 1

Fenced Lot-Part: 1

Fire Pit: 1

Fireplace: 1

Summer Kitchen: 1

Patio Covered: 1

Sprinkler System: 1

Boat Slip: 1

Waterfront Feet: 70

Gated Community: 1

Playground: 1

Tennis: 1

Other - See Remarks: 1

Cash: 1

Conventional: 1

Negotiable: 1

Bonus Room: 1

Ceiling - Tray: 1

First: 1

Cul-De-Sac: 1

Landscaped: 1

Sidewalk: 1

Survey Available: 1

Waterfront: 1

Garage Attached: 1

Garage Door Opener: 1

Oversized: 1

MBath Double Vanity: 1

MBath Separate Shwr: 1

MBath Walk-In Closet: 1

MBath Whirlpool: 1

MBed First Floor: 1

MBed Walk-in Closet: 1

MBed Waterfront: 1

Resid Single Family: 1

Basketball Court: 1

Dock: 1

Gated Community: 1

Playground: 1

Tennis: 1

Boat Slip: 1

Pickle Ball: 1

Balcony: 1

Bedroom: 1

Bonus Room: 1

Dining Room: 1

Exercise Room: 1

Family Room: 1

Kitchen: 1

Laundry: 1

Master Bedroom: 1

Owner's Closet: 1

Security System: 1

TV Cable: 1

Electricity - Connected: 1

Generator: 1

Private Well: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Bay: 1

Lagoon: 1

As Is: 1

Bay/Harbor: 1

Lagoon/Estuary: 1

First: 1

Second: 1

Ceiling Fan(s): 1

Central Air: 1

Central: 1

Fireplace - Gas: 1

Fireplace(s): 1

Fire Alarm: 1

Gated Community: 1

Security System Owned: 1

Smoke Detector(s): 1