A ceramic-based hardwood floor finishing method resistant to panelization, exhibiting improved durability, and suitable for on-site use. The method is comprised of laying down successive layers of water-based primer, armor coat and top coat. The water-based primer utilizes a low resin content and a low co-solvent concentration to substantially reduce panelization of hardwood boards. The water-based armor coat is comprised of large particulate size ceramic additives which, in combination with a low resin content, allow the formation of a microscopic bead structure on the surface of the finish which provides enhanced durability.
