Welcοme tο аn еxtrаordіnary opportunity inside thе prestіgious 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)
Data source: Central Panhandle Association of REALTORS®
Team Turner (Counts Real Estate Group) can set up a private showing or send you full details.
Request a showingThe beach in Panama City Beach is public. The closest public access to this home is Beach Access #3A, about 1.1 mi away.
Closest public beach access:
Parking: No vehicle parking; on-street only if permitted
Dune walkover to beach; no known facilities
DirectionsParking: No vehicle parking; on-street only if permitted
Dune walkover to beach; no known facilities
DirectionsParking: No vehicle parking; on-street only if permitted
Dune walkover to beach; no known facilities
DirectionsParking: No vehicle parking; on-street only if permitted
Dune walkover to beach; no known facilities
DirectionsThis is general information to help you plan, not legal advice about any specific property. The beach in Panama City Beach is public, but individual access points vary - some have coded gates for nearby residents and guests, and parking differs from one access to the next. Confirm parking and entry before heading out.
Counts Real Estate Group
Courtesy of Counts Real Estate Group · Jesse A Cole · 850-248-3615
Listing data provided by: Central Panhandle Association of Realtors (CPAR). Information deemed reliable but not guaranteed. The information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. © 2026 Central Panhandle Association of REALTORS®
Listing data last updated 2026-08-23 20:30:31.