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 designed 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.
Lot/land
$549,000
3319 Terra Cotta Dr, Panama City Beach, FL 32408
--beds
--baths
0.29Acres
Unimproved Land
Built in ----
0.29 Acres Lot
$-- Zestimate®
$--/sqft
$170/mo HOA
What's special
Premium waterfront homesite
- 140 days
- 62
- 4
Zillow last checked:
Listing updated:
Listed by:
Kelli Sims 850-294-8379,
Sims Resort Realty, Inc
Source: CPAR,MLS#: 788233
Originating MLS: Central Panhandle Association of REALTORS
Facts & features
Property
Features
- Has view: Yes
- View description: Bay, Lagoon
- Has water view: Yes
- Water view: Bay,Lagoon
- Waterfront features: Bayfront, Gulf Access, Lagoon
Lot
- Size: 0.29 Acres
- Dimensions: 85 x 157 x 74 x 183
- Features: Paved
Details
- Parcel number: 31424555000
- Zoning description: Resid Single Family
- Special conditions: Listed As-Is
Community & HOA
Community
- Subdivision: Finisterre
HOA
- Has HOA: Yes
- Amenities included: Dock, Gated
- Services included: Playground, Tennis Courts
- HOA fee: $2,044 annually
Location
- Region: Panama City Beach
Financial & listing details
- Tax assessed value: $251,400
- Annual tax amount: $2,856
- Date on market: 4/12/2026
- Cumulative days on market: 68 days
Estimated market value
Not available
Estimated sales range
Not available
$2,440/mo
Price history
| Date | Event | Price |
|---|---|---|
| 4/13/2026 | Price change | $549,000-5.2% |
Source: | ||
| 9/14/2025 | Price change | $579,000-16.7% |
Source: | ||
| 9/27/2024 | Listed for sale | $695,000-10.3% |
Source: | ||
| 12/7/2023 | Listing removed | -- |
Source: | ||
| 9/2/2023 | Listing removed | $775,000 |
Source: | ||
| 7/5/2023 | Listed for sale | $775,000+56.6% |
Source: | ||
| 5/24/2022 | Sold | $495,000 |
Source: | ||
| 4/28/2022 | Pending sale | $495,000 |
Source: | ||
| 4/27/2022 | Listed for sale | $495,000 |
Source: | ||
| 4/20/2022 | Pending sale | $495,000 |
Source: | ||
| 4/8/2022 | Price change | $495,000-5.7% |
Source: | ||
| 1/14/2022 | Listed for sale | $525,000-3.7% |
Source: | ||
| 12/16/2021 | Listing removed | -- |
Source: | ||
| 8/23/2021 | Price change | $545,000-8.4% |
Source: | ||
| 7/10/2021 | Price change | $595,000-14.4% |
Source: | ||
| 6/10/2021 | Listed for sale | $695,000+158.4% |
Source: | ||
| 6/9/2020 | Listing removed | $269,000 |
Source: Counts Real Estate Group Inc #669266 Report a problem | ||
| 3/15/2018 | Listed for sale | $269,000+17.5% |
Source: Counts Real Estate Group Inc #669266 Report a problem | ||
| 9/14/2017 | Listing removed | $229,000 |
Source: Counts Real Estate Group Inc #637430 Report a problem | ||
| 4/24/2017 | Price change | $229,000-8% |
Source: Counts Real Estate Group Inc #637430 Report a problem | ||
| 2/18/2017 | Price change | $249,000-9.4% |
Source: Counts Real Estate Group Inc #637430 Report a problem | ||
| 1/19/2017 | Price change | $274,900+10% |
Source: Counts Real Estate Group Inc #637430 Report a problem | ||
| 7/18/2016 | Price change | $249,900-5.7% |
Source: Counts Real Estate Group Inc #637430 Report a problem | ||
| 5/5/2016 | Price change | $265,000-7% |
Source: Counts Real Estate Group Inc #637430 Report a problem | ||
| 10/26/2015 | Listed for sale | $285,000+14.5% |
Source: Counts Real Estate Group Inc #637430 Report a problem | ||
| 12/18/2013 | Listing removed | $249,000+20% |
Source: CENTURY 21 Ryan Realty #504816 Report a problem | ||
| 12/13/2013 | Sold | $207,500 |
Source: | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,089 -1.7% | $251,400 |
| 2023 | $3,143 +68.7% | $251,400 +67.7% |
| 2022 | $1,863 | $149,877 |
| 2021 | -- | -- |
| 2020 | $1,493 -5.8% | $122,708 -4.6% |
| 2019 | $1,585 | $128,650 |
| 2018 | $1,585 -1.6% | $128,650 +1% |
| 2017 | $1,610 +0.3% | $127,415 |
| 2016 | $1,606 -4.5% | $127,415 |
| 2015 | $1,682 | $127,415 -8.4% |
| 2014 | $1,682 | $139,150 |
Find assessor info on the county website
Monthly payment
Climate risks
Neighborhood: Upper Grand Lagoon
Nearby schools
Schools provided by the listing agent
- Elementary: Patronis
- Middle: Surfside
- High: Arnold
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.






