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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
    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.
    140 days
    62
    4

    Zillow last checked:

    Listing updated:

    Listed by:

    Kelli Sims 850-294-8379,

    Sims Resort Realty, Inc

    Source: CPAR,MLS#: 788233MLS LogoOriginating 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

        DateEventPrice
        4/13/2026Price change$549,000-5.2%
        Source: CPAR #788233 Report a problem
        9/14/2025Price change$579,000-16.7%
        Source: CPAR #763185 Report a problem
        9/27/2024Listed for sale$695,000-10.3%
        Source: CPAR #763185 Report a problem
        12/7/2023Listing removed--
        Source: CPAR #743560 Report a problem
        9/2/2023Listing removed$775,000
        Source: CPAR #743560 Report a problem
        7/5/2023Listed for sale$775,000+56.6%
        Source: CPAR #743560 Report a problem
        5/24/2022Sold$495,000
        Source: CPAR #721053 Report a problem
        4/28/2022Pending sale$495,000
        Source: ECAOR #896919 Report a problem
        4/27/2022Listed for sale$495,000
        Source: ECAOR #896919 Report a problem
        4/20/2022Pending sale$495,000
        Source: CPAR #721053 Report a problem
        4/8/2022Price change$495,000-5.7%
        Source: CPAR #721053 Report a problem
        1/14/2022Listed for sale$525,000-3.7%
        Source: CPAR #721053 Report a problem
        12/16/2021Listing removed--
        Source: CPAR #712736 Report a problem
        8/23/2021Price change$545,000-8.4%
        Source: CPAR #712736 Report a problem
        7/10/2021Price change$595,000-14.4%
        Source: CPAR #712736 Report a problem
        6/10/2021Listed for sale$695,000+158.4%
        Source: CPAR #712736 Report a problem
        6/9/2020Listing removed$269,000
        Source: Counts Real Estate Group Inc #669266 Report a problem
        3/15/2018Listed for sale$269,000+17.5%
        Source: Counts Real Estate Group Inc #669266 Report a problem
        9/14/2017Listing removed$229,000
        Source: Counts Real Estate Group Inc #637430 Report a problem
        4/24/2017Price change$229,000-8%
        Source: Counts Real Estate Group Inc #637430 Report a problem
        2/18/2017Price change$249,000-9.4%
        Source: Counts Real Estate Group Inc #637430 Report a problem
        1/19/2017Price change$274,900+10%
        Source: Counts Real Estate Group Inc #637430 Report a problem
        7/18/2016Price change$249,900-5.7%
        Source: Counts Real Estate Group Inc #637430 Report a problem
        5/5/2016Price change$265,000-7%
        Source: Counts Real Estate Group Inc #637430 Report a problem
        10/26/2015Listed for sale$285,000+14.5%
        Source: Counts Real Estate Group Inc #637430 Report a problem
        12/18/2013Listing removed$249,000+20%
        Source: CENTURY 21 Ryan Realty #504816 Report a problem
        12/13/2013Sold$207,500
        Source: CPAR #504816 Report a problem

        Public tax history

        YearProperty taxesTax 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

        Estimated monthly payment$1,822
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: Upper Grand Lagoon

        Getting around

        23 / 100
        Car-Dependent
        56 / 100
        Bikeable

        Nearby schools

        GreatSchools rating
        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.

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