For Sale
Land for sale at 3319 Terra Cotta Dr, Panama City, FL 32408 | MLS# 788233 | Listing updated on 2026-10-27
Photo 1 of Land for sale at 3319 Terra Cotta Dr, Panama City, FL 32408 | MLS# 788233 | Listing updated on 2026-10-27
Photo 2 of Land for sale at 3319 Terra Cotta Dr, Panama City, FL 32408 | MLS# 788233 | Listing updated on 2026-10-27
Photo 3 of Land for sale at 3319 Terra Cotta Dr, Panama City, FL 32408 | MLS# 788233 | Listing updated on 2026-10-27
Photo 4 of Land for sale at 3319 Terra Cotta Dr, Panama City, FL 32408 | MLS# 788233 | Listing updated on 2026-10-27
20+
Beds Icon

Street View

$549,000

Monthly Est:$2,733

  • Beds Icon-- Bed
  • Beds Icon
    -- Bath
  • Beds Icon0.29acre lot

3319 Terra Cotta Dr, Panama City, FL 32408

$2,733/moEst:

Get Pre-Approved

  • Unimproved Land

  • Built in -

  • $170.33/mo HOA

  • 0.29 acre lot

  • $1,893,103/acre

Description

Rare opportunity to own a premium waterfront homesite in the highly sought-after gated community of Finisterre. This exceptional lot has been thoughtfully improved with fill dirt and a new seawall, providing a solid foundation and valuable cost savings for your future build.

Enjoy direct water access with two designated jet ski spaces at the community dock, conveying with the purchase and perfectly suited for embracing the coastal lifestyle. Whether you are planning a custom luxury residence or a private second home retreat, this property is ideally positioned to capture stunning views of Grand Lagoon and its natural beauty.

The seller also offers beautifully design
ed Mediterranean-style house plans, customized specifically for this lot, adding further value and convenience for your build.

Finisterre is a gated waterfront community featuring amenities such as tennis courts, pickleball, basketball, a playground, and a community dock. Ideally located just minutes from local marinas, some of Panama City Beach's best dining, and only a short golf cart ride to ''World's Most Beautiful Beach'', this property truly offers the best of both boating and beach living.

Opportunities like this in Finisterre are limited. Secure your slice of paradise and begin building your dream coastal home today. This listing contains photos with conceptual rendering for illustrative purposes only.

  • Houzeo last checked: 6 minutes ago
  • Listing updated: October 27, 2026 at 7:36 pm
  • Listing Provided by: Kelli Sims DRE #3263620 | Sims Resort Realty, Inc (850) 238-8360
  • Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 788233 Bay/Panama City/Central Panhandle MLS-FL

Property Details

  • Status

    Active

  • Type

    Land

  • No. of Stories

    -

  • County

    Bay County

  • City

    Panama City

  • Neighborhood

    --

  • Year Built

    -

  • HOA Fees

    $170.33/mo

  • Finished Area

    - sqft

  • Lot Size

    0.29 acre lot

  • Basement Area

    - sqft

  • MLS Name

    Bay/Panama City/Central Panhandle MLS

  • MLS Number

    788233

  • MLS Status

    Active

  • Days on Market

    206

  • Cumulative Days on Market

    198

Continue Your Journey in App

Find your dream home, receive real-time updates, and many more!

Location

HOA Management

N/A

HOA Fees

$2,043.81/ Annually

Amenities

Amenities and services may be covered by one or multiple associations and service providers.

Park Playground Park Playground

Tennis Tennis

Security Gate Security Gate

Dock Dock

Disclaimer: Amenities are based on third-party information and may vary; buyers must independently verify all amenities, as information is deemed reliable but not guaranteed.

Facts & Features

Rooms

  • Bedrooms & bathrooms

    Bedroom: --

    Bathroom: --

Utilities & Energy

  • Association Amenities

    Dock, Gated

Other Features

  • Lot Features

    Paved

  • Subdivision Name

    Finisterre

Price History

DateEventPrice

04/12/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #788233

Price Decreased

$549,000 -21.01%

$0/sqft

09/27/2024

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #763185

Listed for Sale

$695,000

$0/sqft

09/27/2024

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #763185

Off Market

$695,000 +20.03%

$0/sqft

09/27/2024

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #763185

Listed for Sale

$579,000 -16.69%

$0/sqft

09/27/2024

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #763185

Price Increased

$695,000 +20.03%

$0/sqft

Show more

Nearby Homes

Based on information from Central Panhandle Association of REALTORS® MLS through Nov 04, 2026, 11:15PM. 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®

Advertising Broker: Moe Mossa (Savvy Avenue) | Savvy Avenue, LLC

Skip to Main Content