# 3301 Terra Cotta Drive, Panama City Beach, FL 32408

> **TL;DR:** land, $525,000.
> Waterfront. Est. $2,275/mo. Listed 26 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $525,000 |
| Lot Size | 21,780 sqft (0.50 acres) |
| Property Type | Land (Other) |
| Status | For Sale |
| Days on Market | 26 |

## Why This Home Stands Out

- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $2,275 |
| **Total** | **$2,275** |

## Nearby Schools

- **Elementary:** Patronis
- **Middle:** Surfside
- **High:** Arnold

## Key Amenities

- Waterfront

## Property Highlights

- 0.50 acre lot
- Waterfront

## Description

### Agent 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)

## Location

- **Address:** 3301 Terra Cotta Drive, Panama City Beach, FL 32408
- **County:** Bay
- **Neighborhood:** Finisterre
- **Coordinates:** 30.150131, -85.738079
- **Google Maps:** https://www.google.com/maps?q=30.150131,-85.738079

## Listing Agent

- **Name:** Jesse A Cole
- **Brokerage:** Counts Real Estate Group
- **Phone:** 7708337693
- **Email:** jesse@countsrealestate.com

## Primary Photo

![3301 Terra Cotta Drive - Primary Photo](http://lh.rdcpix.com/cf052cc9eb59a3229a889efab4f1eda6l-f2488888491r.jpg)

*2 total photos available on [listing page](https://www.propertysimple.com/listing/3301-terra-cotta-drive-panama-city-beach-fl-32408-l789569)*

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**MLS#:** 789569 | **Updated:** 2026-06-18
**Source:** listhub

*Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.com/listing/3301-terra-cotta-drive-panama-city-beach-fl-32408-l789569)

---

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