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3513 Cottage Cove Lane, Panama City, FL 32408

Sanctuary Beach · Bay County

Key Facts

4Beds
3Baths
2,314Sq Ft
2024Year Built
0.07Lot (acres)
2Garage
2Stories

Description

Welcome to this beautifully appointed 4-bedroom, 2.5-bathroom home located in the highly sought-after gated community of Sanctuary Beach. Designed with both comfort and style in mind, this home features luxury vinyl plank flooring throughout, recessed lighting, and an open-concept layout perfect for everyday living and entertaining.The heart of the home is the spacious kitchen, showcasing an oversized island overlooking the living area, complete with an electric fireplace. Enjoy premium finishes including stainless steel appliances, a gas range, quartz countertops, and shaker-style soft-close cabinetry. Just off the kitchen, you'll find a convenient butler's pantry featuring a wine cooler, providing additional storage and entertaining space. A well-positioned half bath is also located on the main floor for guests.Upstairs, the spacious primary suite offers a relaxing retreat with a double vanity, a stunning floor-to-ceiling tiled walk-in shower, and a generous walk-in closet that conveniently connects directly to the laundry room. Three additional bedrooms and a full bathroom complete the second level.Step outside to enjoy the covered back patio overlooking the backyard, perfect for relaxing or hosting gatherings. Ideally situated just a short walk from the community pool and only minutes from the white sandy beaches of Panama City Beach, this home offers the perfect combination of luxury, convenience, and coastal living.

Property Information

Property Type

Residential

Sub-Type

Single Family Residence

Style

Craftsman

Year Built

2024

Stories

2

Living Area

2,314 sq ft

Lot Size

0.07 acres

Lot Dimensions

40x80

Garage Spaces

2

Days on Market

9

MLS® Listing#

791052

Property Features

Interior

Double VanityWalk-In Closet(s)

Appliances

Gas Range

Cooling

Central AirCeiling Fan(s)

Heating

Electric

Pool

In GroundCommunity

Parking

Gated

Patio

CoveredPatio

Fencing

Fenced

Construction

HardiPlank TypeFrame

Foundation

Slab

Roof

Shingle

Security

Gated CommunitySecurity GateSmoke Detector(s)

Community

PoolGated

Utilities

Electricity AvailableUnderground Utilities

Sewer

Public Sewer

Rooms

  • 15 x 15
  • Bedroom13 x 11
  • Bedroom13 x 11
  • Living Room20 x 15

Schools

Elementary:
Patronis
Middle:
Surfside
High:
Arnold

Financial Details

HOA

Yes

Annual Taxes

$6,468

Tax year 2025

Parcel Number

31368-121-000

Directions

From Thomas Drive turn onto Magnolia Beach Road, stay right on Delwood Beach road, turn right at the dead end onto Delwood Dr, follow to the gated entrance into Sanctuary Beach, follow Cottage Cove Ln, home will be on the left side.

Affordability Calculator

$119,800

Estimated monthly payment

$3,188/mo

Principal $479,200 · Est. interest $668,527 over 30 yrs

Neighborhood Market Statistics

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

$379,455
Median Listing Price
103
Median Days on Market
1,572
Median Sq Ft
$248
Median Price / Sq Ft
6,141
Active Listings
  • This home’s price is 58% above the area median.
  • Its price per sq ft is 4% above the area median.

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

Location

Map showing the location of 3513 Cottage Cove Lane, Panama City, FL 32408

Points of Interest in Panama City, FL

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Nearby Schools

  • Renaissance School International

    School · 2.3 mi away

  • St Andrew School

    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 · 3.1 mi away

  • Bay District Schools

    School · 3.1 mi away

  • Central High School

    Secondary · 3.4 mi away

  • Patronis Elementary School

    Elementary · 3.4 mi away

  • Jinks Middle School

    Secondary · 3.4 mi away

  • Gulf Coast School for Autism

    School · 3.6 mi away

  • Northside Elementary School

    Elementary · 3.7 mi away

  • Covenant Christian School

    School · 3.7 mi away

  • Bacot Academy

    School · 3.7 mi away

  • Holy Nativity Episcopal School

    School · 3.8 mi away

  • Pre School

    School · 3.9 mi away

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EXIT Agents in Panama City

Listing Courtesy: Seltzer Real Estate, LLC - 8502350578

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#791052. © 2026EXIT Realty®. All rights reserved.