Premier waterfront lot with gorgeous views of Grand Lagoon. Located in the gated community of Finisterre at the east end of Panama City Beach. This improved lot has a new seawall and has already been filled, it just needs a dream home! Finisterre is a gated waterfront neighborhood with amenities such as tennis, pickleball, basketball, a playground, and community dock. Walk to several popular restaurants and only a short drive to St Andrews State Park, boating, and of course, the beautiful beaches of Panama City Beach! Come and build your dream home on the lagoon! The adjacent lot is also for sale (mls# 763159 ) giving you the chance to buy 2 side by side lots in one of Bay Counties most prestigious neighborhoods. Survey Available. Please check in to any measurements or utilities to confirm information. Call today!
Property Details
Property Features
Listing Office:
Office Name: Keller Williams Success Realty
Exterior Features
Exterior Information:
Waterfront: Bay Front, Lagoon, Seawall, Waterfront
View: Bay, Lagoon
Lot Features
Lot Information:
Lot: Other, See Remarks, Waterfront
Lot Size: 0.29 Acres
School Info
Assigned Schools Information:
J.R. Arnold High School, Public District Grades 9-12
Surfside Middle School, Public District Grades 6-8
Patronis Elementary School, Public District Grades PK-5
Other
Directions Information:
Directions: EAST END OF N. LAGOON DRIVE. HEAD EAST AT THE STOP LIGHT AT CAPT. ANDERSON'S RESTAURANT AND FOLLOW THE ROAD UNTIL IT ENDS. YOU WILL NEED GATE CODE TO ENTER.
Price Information
Listing Price Info
Price Summary:
List Price: $695,000
HOA Fees:
Amount: $2043
Frequency: Annually
What can I afford?
Understand what home price range makes sense for your budget.
Housing Market Comparison
See how this home compares to others in Panama City, FL.
We're sorry, we currently don't have sales or tax history data for this listing.
Payment Calculator
Calculate your estimated monthly expenses for this listing. Play with the values below to better understand your monthly payment and utilities.
$3,706
Per Month
Principal & Interest
$3,469
Home PriceThe dollar amount you pay for the home.
$
Interest RateMortgage interest rates fluctuate, but they're typically in the 5% to 9% range. Your rate will be calculated based on personal details including your credit score.
%
Down PaymentThe initial money paid at closing that is usually a percentage of the purchase price. Most loans require at least 3% down, but a 0% down payment may be possible if you're eligible for a VA or USDA loan.
$%
Loan TermThis is how long you'll pay on the loan. A longer term gives you smaller payments, while a shorter term saves you money on interest.
Property Taxes
$0
Property Taxes -Annual CostEvery homeowner pays taxes to their local government based on their home's value and the property tax rates for the county or city. Most areas charge property taxes semiannually.
$/ Year
Mortgage Insurance
$0
Mortgage Insurance -Monthly PremiumMortgage insurance helps secure a mortgage with a lower down payment. It typically costs 0.1% - 2% of your loan amount per year.
$/ Month
Homeowners Insurance
$67
Homeowners Insurance -Monthly PremiumMost homeowners pay about $1,000 a year for homeowners insurance, but the cost varies based on your location, home and coverage.
$/ Month
Homeowners Association (HOA)
$170
Homeowners Association -Monthly FeesHomeowners Association (HOA) fees can range from $30 per month to $500+ per month. Be sure to ask your agent about HOA fees on a home as it can impact your affordability or check the online home listing.
$/ Month
Utilities
$0
Utilities - Monthly CostYou'll need to budget for utilities as a homeowner, which typically includes water and sewer, gas and electric, internet and cable. Cost will depend on your location and the size of your home. On a monthly basis, Americans pay $239 - $442 per month.
$/ Month
Recommended Financing
30-Year Fixed
Rate/APR
7.5% / 6.68%
Total Monthly Payment
$2,150
Powered By
Advertisement
NMLS#3030
Schools
Schools Nearby
The school rating is a score out of 10, where 10 is the highest and 1 is the lowest. Assigned schools have a bold outline.
Elementary School
7
/10
Patronis Elementary School
7400 Patronis Dr
Distance between this listing and this school2.14 miles
Public District Grades PK-5
Middle School
5
/10
Surfside Middle School
300 Nautilus St
Distance between this listing and this school7.98 miles
Public District Grades 6-8
High School
5
/10
J.R. Arnold High School
550 N Alf Coleman Rd
Distance between this listing and this school5.92 miles
Public District Grades 9-12
Assigned Schools
7
/10
Patronis Elementary School
7400 Patronis Dr
Distance between this listing and this school2.14 miles
Public District Grades PK-5
Nearby Schools
1
/10
St. Andrew School
3001 W 15th St
Distance between this listing and this school2.82 miles
Public District Grades PK-5
9
/10
University Academy (Sabl, Inc.)
4750 Collegiate Dr
Distance between this listing and this school2.98 miles
Public Charter Grades KG-4
Assigned Schools
5
/10
Surfside Middle School
300 Nautilus St
Distance between this listing and this school7.98 miles
Public District Grades 6-8
Nearby Schools
7
/10
North Bay Haven Charter Academy Middle School
1104 Balboa Ave
Distance between this listing and this school4.06 miles
Public Charter Grades 6-8
4
/10
Jinks Middle School
600 W 11th St
Distance between this listing and this school4.43 miles
Public District Grades 6-8
Assigned Schools
5
/10
J.R. Arnold High School
550 N Alf Coleman Rd
Distance between this listing and this school5.92 miles
Public District Grades 9-12
Nearby Schools
9
/10
North Bay Haven Career Academy
1104 Balboa Ave
Distance between this listing and this school4.06 miles
Public Charter Grades 9-12
7
/10
Bay Virtual Franchise
1311 Balboa Ave
Distance between this listing and this school4.08 miles
The neighbors living near this home have an average income of $73,214. Most Panama City, FL residents have annual incomes between $35k-100k. The most common type of family is married, no kids. Most residents in this area have post secondary degree education.
All data provided by Home Junction and Claritas
Frequently Asked Questions About 3319 Terra Cotta Dr
What is the listing price of this property?
The listing price of 3319 Terra Cotta Dr property is $695,000.
What type of property is this?
The property 3319 Terra Cotta Dr is land located in Panama City, Florida, 32408.
Is this property for sale now?
Active Listing: 3319 Terra Cotta Dr is For Sale (Active/New) which means the seller is accepting offers.
What are the assigned schools for this property?
The assigned schools for 3319 Terra Cotta Dr are: Patronis Elementary School: GreatSchools Rating 7/10Surfside Middle School: GreatSchools Rating 5/10J.R. Arnold High School: GreatSchools Rating 5/10
By checking this box and submitting your personal information, you agree to our Terms of Use and Privacy Policy. You also expressly consent to having Rocket Homes Real Estate LLC, its Family of Companies, Rocket Homes Network Partners, and potentially our mortgage partners contact you about your inquiry by text message or phone (including automatic telephone dialing system, AI voice, or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from Rocket Homes Real Estate, LLC or its partners. By communicating with us by phone, you consent to calls being recorded and monitored. You also agree that we can share your personal data and contact information with third parties such as mortgage partners, partner companies, and affiliates, and that these parties may use your personal data and contact information for marketing and analytic purposes, and to improve your experience.
This home is located at 3319 Terra Cotta Dr in Panama City, FL and zip code 32408. This home sits on a 0.29 acre lot. It has been listed on Rocket Homes since September 28, 2024 and is currently priced at $695,000.
In October 2024 more than 16 listings in Panama City, FL were sold above the asking price. During the same period more than 40 listings were sold at asking price, while more than 138 were sold below. The inventory of homes for sale in Panama City, FL between September 2024 and October 2024 decreased by 1.7%. The median list price of listings available in October 2024 was $339,477, while the average time on the real estate market was 77 days.
From Rocket Homes Real Estate and based on county public records data.
The data relating to real estate for sale on this web site comes in part from the Internet Data exchange program of Central Panhandle Association of REALTORS®. IDX 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. Information deemed reliable but not guaranteed. Properties subject to prior sale, change, withdrawal or rental. Copyright© 2024 Central Panhandle Association of REALTORS.© All Rights Reserved.
Symphony or Opera
Symphony or Opera
Horse Races
Soccer
Chico's
Stein Mart
Forever 21
Boston Market
LongHorn Steakhouse
Dominos Pizza
Volvo
Buick
Mazda
Talk/Personality
Rhythmic Contemporary Hits