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Street View
$395,000
Monthly Est:$1,966
-- Bed
- -- Bath
0.4acre lot
3303 Terra Cotta Dr, Panama City, FL 32408
$395,000
$1,966/moEst:
Get Pre-Approved
Unimproved Land
Built in -
$-- HOA
0.4 acre lot
$987,500/acre
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 3303 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.
These exceptional lots feature 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, this homesite offers 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.
- Houzeo last checked: 8 minutes ago
- Listing updated: May 30, 2026 at 4:01 am
- Listing Provided by: Jesse A Cole (770) 833-7693 DRE #SL3612004 | Counts Real Estate Group (850) 248-3615
- Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 789572

Property Details
Status
Active
Type
Land
No. of Stories
-
County
City
Neighborhood
--
Year Built
-
HOA Fees
-
Finished Area
- sqft
Lot Size
0.4 acre lot
Basement Area
- sqft
MLS Name
Bay/Panama City/Central Panhandle MLS
MLS Number
789572
MLS Status
Active
Days on Market
180
Cumulative Days on Market
22

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Location
Facts & Features
Rooms
Bedrooms & bathrooms
Bedroom: --
Bathroom: --
Utilities & Energy
Association Amenities
Gated
Other Features
Subdivision Name
Finisterre
Price History
| Date | Event | Price |
|---|---|---|
05/07/2026 Source: | Listed for Sale | $395,000 -20.84% $0/sqft |
10/17/2024 Source: | Off Market | $499,000 $0/sqft |
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Based on information from Central Panhandle Association of REALTORS® MLS through Nov 04, 2026, 11:30PM. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. ©2026 Bay Central Panhandle Association of REALTORS®
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