3305 Terra Cotta Drive, Panama City, FL 32408

• 4 beds |
• 5 baths |
• 4,022 sqft

Property Description

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

Listing Status:

Active

Date Added:

March 26, 2026

Data Last Updated:

April 2, 2026 at 10:19PM

Listing Office:

Keller Williams Success Realty : 850-249-0313

MLS ID:

787408

Interior

• General: Interior Steps
• Appliances: Bar FridgeGas CooktopIce MakerTankless Water HeaterWine Cooler
• A/C: Central AirCeiling Fan(s)
• Heating: CentralFireplace(s)
• Fireplace: GasFireplace

Exterior

• General: BarbecueBoat SlipFire PitOutdoor Kitchen
• Style: Mediterranean
• Other Structures: BalconyPatioCovered
• Pool: GuniteGas HeatPrivate
• Parking: GarageGarage Door Opener

Construction

• Roofing: Clay
• General: Stucco2

Location

• HOA Amenities: Gated
• Originating MLS: CPAR_CPAR
• County: Bay

Lot

• Zoning: FINISTERRE SUB PH II 69D3 LOT 12 BLK A ORB 3276 P 1296 . ORB 4664 P 1128 BOAT SLIP 2A31424-562-000
• View: BayLagoonView
• Fencing: Partial

Utilities

• Utilities: Cable Connected
• Sewer: Public Sewer

Financial

• Source: CPAR_CPAR