Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
Listing photo for 3304 Terra Cotta Dr, PANAMA CITY BEACH, FL
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3304 Terra Cotta Dr,

PANAMA CITY BEACH, FL

$1,395,000

the sitting area, providing plenty of heat in winter months. The avant-garde kitchen has a large island that doubles as a trendy bar at cocktail hour. Color-changing under-cabinet LED lighting adds an eye-catching glow to the iridescent tile backsplash. Pendular designer lighting completes the stylish image. Stainless steel appliances and gleaming black quartz countertops add a practical element. A bonus is the chilled wine refrigerator in the customized walk-in pantry. Dine and entertain beneath another distinctive lighting fixture in the open dining room, enjoying the timeless scenes of nature through the multi-aspect windows. The first-floor master suite with 12' ceilings continues the understated vogue. It boasts an accent wall in the bedroom with abundant natural light. Entering the ensuite bath, shiny chrome fixtures on oversized gray tile walls and trendy designer lighting add an element of style while a walkthrough stand-alone double shower tucked behind the customized oval tub completes the spa-like appeal. A customized walk-in closet doubles as a dressing room with abundant built-in storage. Just off the master suite, living room, and dining area is the covered porch boasting a gas firepit, creating a tranquil outdoor lounge area for entertaining guests or viewing birds and wildlife on the pond. Head up the dark wood staircase to the large media/game room on the landing, where you are greeted with more windows and natural lighting and a great space for relaxing, playing, or entertaining. The built-in wet bar with sink, mini fridge, ice maker and snooker table enhance this fun space. Three more bedrooms, all with walk-in closets surround this space. One bedroom with an ensuite bath is currently being used as an office. The other two bedrooms have a jack-n-jill bath with dual private vanities. An oversized two-car garage with built-in bench and tool wall with a pull-down staircase and generous shelved storage completes the home. Offering security and privacy, this luxury waterfront gated community provides access by boat to beautiful Shell Island and St. Andrews State Park. Sports amenities include pickleball, tennis and basketball courts. Despite the sense of seclusion, the home is within walking distance to the Lighthouse Marina and several popular restaurants, including Captain Anderson's and The Grand Marlin. Treasure Island and Pirate's Cove Marinas are a short drive away, along with public beaches, shops, and grocery stores. A custom specifications list is available upon request as there are too many to add. A few include 2x6 exterior wood framed walls with all thread hold down system for maximum strength, sand finish white stucco, 12'' baseboards with décor screwless receptacles throughout, 8' solid core modern interior doors, Rinnai tankless gas water heater, built-in whole house audio system, Ring doorbell, impact dual-pane low-E glass windows, manual generator transfer switch setup at interior, 40 circuit panel in garage with 50 amp generator inlet at side yard. Sprinkler system, custom landscaping, zoysia sod and large palms. Mounted TVs convey with sale. Buyer to verify all data and dimensions. Seller is offering OWNER FINANCING up to 75% at 6% interest with 3 year balloon with acceptable offer.

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Facts & Features
MLS® # 954125
Price $1,395,000
Bedrooms 4
Bathrooms 4.00
Full Baths 3
Half Baths 1
Square Footage 3,622
Acres 0.20
Year Built 2020
Type Residential
Sub-Type Detached Single Family
Style Contemporary
Status Active
Listing Office Scenic Sotheby's International Realty
Community Information
Address 3304 Terra Cotta Dr
Area 27 - Bay County
Subdivision FINISTERRE S/D
City PANAMA CITY BEACH
County BAY
State FL
Zip Code 32408
Amenities
Amenities Dock, Pets Allowed, Playground, No Short Term Rental, Fishing, Gated Community, Tennis, Waterfront, Pickle Ball
Utilities Electric Available, Gas - Natural, Public Sewer Available, Public Water Available, TV Cable Available, Underground, Phone Available
Parking Spaces 2
Parking Garage: Attached, Oversized, See Remarks
Is Waterfront Yes
Waterfront Lake / Dune Lakes
Has Pool No
Pool Community, Private
Interior
Interior Features Ceiling Raised, Floor Hardwood, Floor Tile, Kitchen Island, Lighting Recessed, Pantry, Split Bedroom, Fireplace Gas, Furnished - None, Pull Down Stairs, Shelving, Wet Bar
Appliances Cooktop, Dishwasher, Disposal, Dryer, Microwave, Range Hood, Refrigerator W/Ice Maker, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Washer, Ice Machine, Oven Double, Wine Refrigerator
Heating Heat: Central Electric
Cooling Ceiling Fans, A/C: High Efficiency
Has Basement No
Fireplace Yes
Fireplaces Fireplace Gas
# of Stories 2
Exterior
Exterior Siding Stucco
Exterior Features Balcony, Sprinkler System, Fireplace
Lot Description Covenants, Restrictions, Within 1/2 Mile Of Water, Cul-De-Sac, See Remarks
Windows Double Paned Windows, Storm Windows
School Information
Elementary PATRONIS
Middle Surfside
High ARNOLD
Additional Information
Days on Market 19
Zoning Residential Single Family
Foreclosure No
Short Sale No
RE / Bank Owned No
HOA Fees 2034.81
HOA Fees Freq. Annually
Listing Details
Office Scenic Sotheby's International Realty
Photo of Kathy S Bass

Kathy S Bass

Office: 850-898-1205
Cell: 850-832-1007

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Listing information last updated on July 27th, 2024 at 6:45pm CDT.