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3528 Cottage Cove Lane, Panama City Beach, FL 32408

Sanctuary Beach · Bay County

Key Facts

3Beds
3Baths
1,765Sq Ft
2025Year Built
0.07Lot (acres)
1Garage
2Stories

Description

Welcome to 3528 Cottage Cove Lane, a new home at Sanctuary Beach in Panama City Beach Florida. This home is under construction and is situated on an interior lot. It features a grand entry foyer with stairs leading to the second level bedrooms and a hall leading to the spacious downstairs living area. The foyer offers a coat closet and garage access just off the entry and a powder room. As you enter the open living area you will find an open kitchen with peninsula bar and space for bar seating. The dining area is spacious and looks over to the living area. The main living area serves as the heart of the home, as all bedrooms are on the second level. The stairs located off the foyer lead to a second level landing and hall with all bedrooms and a laundry area. The primary bedroom is located just off the landing and overlooks the back of the home. This space is the perfect retreat and has a large closet and private ensuite bathroom with a large soak tub and separate shower as well as a dual sink vanity. Leaving the primary bedroom, you will find two additional bedrooms that feature a Jack and Jill bathroom with separate single sink vanities and a shower tub combination. The additional bedrooms are spacious and feature large closets for storage. Give us a call today to see this beautiful new home in the gated community of Sanctuary Beach!

Property Information

Property Type

Residential

Sub-Type

Single Family Residence

Style

Contemporary

Year Built

2025

Stories

2

Living Area

1,765 sq ft

Lot Size

0.07 acres

Lot Dimensions

irr

Garage Spaces

1

Days on Market

499

MLS® Listing#

769771

Property Features

Interior

Double VanitySmart HomeSoaking TubSmart ThermostatWalk-In Closet(s)

Exterior

Rain Gutters

Appliances

Electric OvenElectric Water HeaterGas RangePlumbed For Ice MakerTankless Water Heater

Cooling

Central AirCeiling Fan(s)

Heating

CentralElectric

Flooring

Vinyl

Pool

Community

Parking

GarageGarage Door Opener

Patio

PatioCoveredPorch

Construction

HardiPlank TypeFrame

Foundation

Slab

Roof

CompositionShingle

Security

Carbon Monoxide Detector(s)Gated CommunitySmoke Detector(s)

Community

PoolGated

Utilities

Electricity Available

Rooms

  • 13 x 14Second
  • Bedroom12 x 11Second
  • Bedroom12 x 11Second
  • Dining Room10 x 11First
  • Kitchen15 x 11First
  • Living Room12 x 16First

Schools

Elementary:
Patronis
Middle:
Surfside
High:
Arnold

Financial Details

HOA

Yes

Parcel Number

31368-103-000

Directions

From Thomas Dr, turn East onto Magnolia Beach Rd. In 1.1 miles, follow the curve to the right onto Delwood Beach Rd. Go all the way down to the stop sign on Delwood Dr and turn right. Enter through the gated entrance and turn right onto Cottage Cove Ln. 3508 will be on your right. This is a gated community. See Agent to Agent remarks for touring instructions.

Affordability Calculator

$82,980

Estimated monthly payment

$2,208/mo

Principal $331,920 · Est. interest $463,058 over 30 yrs

Neighborhood Market Statistics

How this home compares to active listings in Panama City Beach, FL

$471,497
Median Listing Price
109
Median Days on Market
1,463
Median Sq Ft
$345
Median Price / Sq Ft
31,946
Active Listings
  • This home’s price is 12% below the area median.
  • Its price per sq ft is 32% below the area median.

Market statistics compiled from active EXIT Realty® and MLS listings in Panama City Beach, FL.

Location

  • 3528 Cottage Cove Lane, Panama City Beach, FL 32408

Points of Interest in Panama City Beach, FL

Showing the Panama City Beach area map.

Nearby Schools

  • St Andrew School

    School · 2.4 mi away

  • Renaissance School International

    School · 2.4 mi away

  • St John Catholic School

    School · 2.4 mi away

  • St. Andrew School at Oakland Terrace

    Elementary · 2.4 mi away

  • Oakland Terrace School for the Arts

    School · 2.4 mi away

  • Lucille Moore Elementary School

    Elementary · 2.8 mi away

  • Palm Bay Preparatory Academy

    Elementary · 3.1 mi away

  • Panama City Christian School

    School · 3.1 mi away

  • North Bay Haven Charter Academy

    School · 3.1 mi away

  • Bay Virtual Instruction Program (District Provided)

    Secondary · 3.2 mi away

  • Bay District Schools

    School · 3.2 mi away

  • Patronis Elementary School

    Elementary · 3.3 mi away

  • Central High School

    Secondary · 3.4 mi away

  • Jinks Middle School

    Secondary · 3.4 mi away

  • Gulf Coast School for Autism

    School · 3.6 mi away

  • Covenant Christian School

    School · 3.7 mi away

  • Northside Elementary School

    Elementary · 3.7 mi away

  • Bacot Academy

    School · 3.7 mi away

  • Holy Nativity Episcopal School

    School · 3.9 mi away

  • Pre School

    School · 3.9 mi away

Commute Calculator

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EXIT Agents in Panama City Beach

Listing Courtesy: DR Horton Realty of Emerald Coast, LLC - 8506601701

The data relating to real estate for sale on this website 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. Copyright ©2026 Central Panhandle Association of REALTORS®. All Rights Reserved.

The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of one or more Multiple Listing Services (MLS). Listing information is deemed reliable but is not guaranteed accurate. Copyright © EXIT Realty® and respective MLS providers.

Data provided by CentralPanhandleAssociationOfRealtors. MLS® Listing#769771. © 2026EXIT Realty®. All rights reserved.