3522 Cottage Cove Lane, Panama City Beach, FL 32408
Sanctuary Beach · Bay County
Key Facts
Description
Quietly tucked away in the gated community of Sanctuary Beach, this beautifully upgraded 4-bedroom, 2.5-bath home, built by Nadeau, offers the perfect combination of privacy, comfort, and coastal living. Residents enjoy exclusive community amenities, including a pool and a dedicated nature trail that leads directly to the waters of St. Andrews Bay, making it easy to enjoy the natural beauty that surrounds this unique neighborhood. Inside, the thoughtfully designed floor plan features a spacious first-floor primary suite complete with a large walk-in closet and an oversized bathroom. The heart of the home is the stunning chef's kitchen, highlighted by an impressive 11-foot shiplap island, upgraded quartz countertops, a commercial-grade gas stove, custom-built hood, and an abundance of cabinetry with convenient pull-out wooden shelving for exceptional storage and organization. A half bath is conveniently located downstairs for guests, while the upstairs bedrooms offer generous closet space and plenty of room for family or visitors. The home has been meticulously maintained and thoughtfully enhanced with interior shutters, gutters, annual HVAC servicing, an insulated attic for extra storage, a tankless water heater, and abundant storage throughout both the home and the two-car garage. Step outside to a fully fenced backyard that has been beautifully landscaped to create a private outdoor retreat, perfect for relaxing or entertaining. Surrounded by mature landscaping and offering plenty of privacy, this outdoor space is just as inviting as the interior. Located close to the community pool, this home offers a lifestyle that blends modern convenience with the peaceful charm of Sanctuary Beach. As an added bonus, the seller is offering a VA assumable loan at 5.375% opportunity for qualified buyers. Combining thoughtful upgrades, exceptional storage, and a prime location within one of the area's most desirable gated communities, this home is a rare opportunity to enjoy everything Sanctuary Beach has to offer.
Property Information
Property Type
Residential
Sub-Type
Single Family Residence
Style
Craftsman
Year Built
2022
Stories
2
Living Area
2,254 sq ft
Lot Size
0.09 acres
Lot Dimensions
40X100
Garage Spaces
2
Days on Market
34
MLS® Listing#
790845
Property Features
Interior
Appliances
Cooling
Heating
Pool
Patio
Fencing
Construction
Foundation
Roof
Security
Community
Utilities
Sewer
Rooms
- 17 x 15First
- Bedroom10 x 14Second
- Bedroom12 x 12Second
- Bedroom10 x 15Second
- Living Room20 x 15First
Schools
- Elementary:
- Patronis
- Middle:
- Surfside
- High:
- Arnold
Financial Details
HOA
Yes
Annual Taxes
$6,232
Tax year 2025
Parcel Number
31368-106-000
Directions
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 - first right on cottage cove and home is at end on right
Affordability Calculator
$134,000
Estimated monthly payment
$3,566/mo
Principal $536,000 · Est. interest $747,768 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 42% above the area median.
- Its price per sq ft is 14% below the area median.
Market statistics compiled from active EXIT Realty® and MLS listings in Panama City Beach, FL.
Location
- 3522 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
Renaissance School International
School · 2.4 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 · 3.2 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 · 3.5 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 · 3.8 mi away
Pre School
School · 3.9 mi away
Commute Calculator
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|---|---|---|---|---|
| 166 23RD Avenue, Vero Beach, FL | $469,000 | 3 | 2 | 1,513 |
| 166 23RD AVENUE, VERO BEACH, FL | $469,000 | 3 | 2 | 1,518 |
| 125 BLUEFISH AVENUE, PONTE VEDRA BEACH, FL | $469,000 | 3 | 2 | 1,095 |
| 822 ALDENHAM LANE, ORMOND BEACH, FL | $469,000 | 3 | 3 | 2,056 |
| 3810 Myers Lane, St James City, FL | $469,000 | 3 | 3 | 1,703 |
| 3728 GASPARILLA STREET, ST JAMES CITY, FL | $469,000 | 5 | 4 | 2,372 |
Moving Cost Estimate
EXIT Agents in Panama City Beach
Listing Courtesy: Keller Williams Success Realty - 8502490313