Address
3515 Cottage Cove Lane, Panama City, FL
Price
$ 568,999
Property Attributes
- MLS#795000
- TypeSingle Family
- Listing Status Active
- CountyBay
- CityPanama City
- Area03 - Bay County - Beach
- NeighborhoodSanctuary Beach
- Zip32408
- Style
- Year Built2024
- Taxes$ 6943
- Price$ 568,999
- Bedrooms4
- Full Bathrooms3
- Half Bathrooms0
- Sqr Footage2400
- Lot Size0.07 Acres
Data Source:
Central Panhandle Association of REALTORS® (CPAR)
Property Description
Welcome to 3515 Cottage Cove Lane, a beautifully designed home tucked inside the gated community of Sanctuary Beach. This Custom Built Home offering 4 bedrooms, 3.5 baths and 2,340 square feet, this home combines modern finishes, thoughtful design and a peaceful coastal setting just moments from St. Andrews Bay. The open-concept main living area features soaring 10-foot ceilings, luxury vinyl plank flooring and an inviting layout ideal for both everyday living and entertaining. The kitchen is a standout with quartz countertops, soft-close cabinetry, stainless steel appliances, a large island, pot filler and spacious butler's pantry. Upstairs, the primary suite offers a private retreat with double vanities, an oversized floor-to-ceiling tiled shower and a generous walk-in closet with convenient access to the laundry room. Additional bedrooms and flexible living space provide plenty of room for family, guests or a home office. Outside, enjoy a covered back patio overlooking a peaceful natural backdrop with no neighbors directly behind the home. A two-car garage, brick paver driveway, mudroom and irrigation system add to the home's functionality and curb appeal. Sanctuary Beach offers a quiet, gated atmosphere with a community pool and access toward the shores of St. Andrews Bay, all while keeping you convenient to marinas, boating, dining, shopping and everything the Panama City Beach area has to offer. 3515 Cottage Cove Lane delivers the perfect combination of privacy, coastal lifestyle and modern comfort.
| Elementary School | Middle School | High School |
|---|---|---|
| Patronis Elementary School | Surfside Middle School | Arnold High School |
| Price History | |
|---|---|
| 9/3/2026 | Listed $568,999 |
General Features
| Sewer | Public Sewer |
|---|---|
| Utilities | Electricity Available |
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Community Features | Pool,Community Pool |
| County | Bay |
| Property Type | Residential |
| HOA | true |
| Subdivision Name | Sanctuary Beach |
| Status | Active |
| Directions | turn onto Magnolia Beach Road and continue approximately 2.7 miles. Turn right onto Delwood Beach Road and continue to the gated entrance of Sanctuary Beach. After entering the community, take the first right onto Cottage Cove Lane. |
| High School | Arnold |
| City | Panama City |
| MLS Area | 03 - Bay County - Beach |
| Lot Size Units | Acres |
| Lot Size Square Feet | 3049 |
| Elementary School | Patronis |
| Tax Annual Amount | 6943.72 |
| Middle/Junior High School | Surfside |
| MLS Area Minor | 0319 - Beach - East |
| Standard Status | Active |
| Property Sub Type Additional | Single Family Residence |
| Association Amenities | Gated |
| Occupancy Type | Vacant |
| Year Built | 2024 |
| Association Fee Includes | Legal/Accounting,Pool(s) |
| Heating | Electric |
| Cooling | Central Air,Ceiling Fan(s) |
| Appliances | Electric Range |
| Patio/Porch Features | Covered,Porch |
| Construction Materials | HardiPlank Type |
| Garage Y/N | true |
| Total Rooms | 4 |
| Full Baths | 3 |
| Garage Spaces | 2 |
| Architectural Style | Coastal |
| HOA Fee | 508 |
| Assoc Fee Paid Per | Quarterly |
| Pool Features | In Ground,Community |
| Security Features | Security Gate |
| New Construction | false |
| Roof | Shingle |
Interior Features
| Total Baths | 3 |
|---|---|
| Interior Amenities | Double Vanity,Interior Steps,Separate Shower,Tub Shower,Upper Level Primary,Walk-In Closet(s) |
| Furnished Units | None |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Total Bedrooms | 4 |
| LivingAreaSource | Appraiser |
Exterior Features
| Lot Size Area | 0.07 |
|---|---|
| Lot Dimensions | 40x80 |
| Lot Size Acres | 0.07 |
| Road Frontage Type | Private Road |
| Building Area Total | 2400 |
| Waterfront Y/N | false |
| Foundation Details | Slab |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32408
Price
Taxes
Year Built
In The Neighborhood
Panama City Beach
$ 115,000
3526 Cottage Cove Lane
Panama City Beach, FL 32408
- Type
- Single Family
- Rooms
- 0 Beds + 0 Baths
Panama City
$ 579,000
3513 Cottage Cove Lane
Panama City, FL 32408
- Type
- Single Family
- Size
- 2,314 SqFt
- Rooms
- 4 Beds + 2.5 Baths
Panama City Beach
$ 645,000
3522 Cottage Cove Lane
Panama City Beach, FL 32408
- Type
- Single Family
- Size
- 2,254 SqFt
- Rooms
- 4 Beds + 2.5 Baths
Panama City Beach
$ 459,900
3547 Sanctuary Drive
Panama City Beach, FL 32408
- Type
- Single Family
- Size
- 1,765 SqFt
- Rooms
- 3 Beds + 2.5 Baths
Panama City Beach
$ 459,900
3551 Sanctuary Drive
Panama City Beach, FL 32408
- Type
- Single Family
- Size
- 1,765 SqFt
- Rooms
- 3 Beds + 2.5 Baths
Panama City Beach
$ 469,900
3564 Sanctuary Drive
Panama City Beach, FL 32408
- Type
- Single Family
- Size
- 1,846 SqFt
- Rooms
- 3 Beds + 2.5 Baths
Panama City
$ 82,500
3914 Bungalow Lane
Panama City, FL 32408
- Type
- Single Family
- Rooms
- 0 Beds + 0 Baths
Panama City
$ 650,000
3533 Sanctuary Drive
Panama City, FL 32408
- Type
- Single Family
- Size
- 2,662 SqFt
- Rooms
- 4 Beds + 3.5 Baths
Panama City Beach
$ 393,074
3519 Cottage Cove Lane
Panama City Beach, FL 32408
- Type
- Single Family
- Size
- 1,765 SqFt
- Rooms
- 3 Beds + 2.5 Baths
Panama City Beach
$ 479,899
3566 Sanctuary Drive
Panama City Beach, FL 32408
- Type
- Single Family
- Size
- 2,245 SqFt
- Rooms
- 4 Beds + 3.5 Baths
Panama City Beach
$ 524,900
3916 Magnolia Bluff Lane
Panama City Beach, FL 32408
- Type
- Single Family
- Size
- 2,245 SqFt
- Rooms
- 4 Beds + 3.5 Baths
Panama City Beach
$ 79,900
3549 Sanctuary Drive
Panama City Beach, FL 32408
- Type
- Single Family
- Rooms
- 0 Beds + 0 Baths
Emerald Coast Association of REALTORS®, Inc. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
Listing data provided by: Central Panhandle Association of Realtors (CPAR)
Information deemed reliable but not guaranteed. The 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.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
