3515 Cottage Cove Lane, Panama City, FL 32408 (MLS# 787680)

3515 Cottage Cove Lane, Panama City, FL 32408

$569,000

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,340 Lot Size (sq. ft.): 3,049 Status: Active

Current Price: $569,000 List Date: 3/31/2026 Last Modified: 6/17/2026

Overview

Description

4 bedroom, 2 1/2 bath new construction home in the quiet, serene, gated community of Sanctuary Beach. Conveniently located steps from St Andrews Bay, close to Bay Point Golf Club and the area's largest marinas serving access to the Gulf, the Naval Dive School (NSA), shopping and fine dining. Location, location, location! This 2340 sq ft home has the desired open kitchen, dining and living area perfect for entertaining and all located on the main floor of the home. There are 10-foot ceilings and durable, low maintenance wood-look LVP flooring along with the convenience of a 1/2 bath. The kitchen has a large Butler pantry, quartz counter tops, gas stove top with a pot filler, ship lapped island and exhaust hood. Upstairs you will find the 4 bedrooms and 2 full baths, both with double vanities. There is also bonus/flex space of over 130 sq. ft. that separates the master suite from the other bedrooms. Master bath has a beautiful large, tiled shower and a walk-in closet. Finally, there is a … (Read more)

Listing Details MLS# 787680

Contract Info

List Price/SqFt: 243.16

Location

Area: 03 – Bay County – Beach
Street #: 3515
Street Name: Cottage Cove
Street Suffix: Lane
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: Sanctuary Beach
Community/Resort: None
Waterfront: No
Parcel ID: 31368-120-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Navy Blvd (Thomas Dr.) head South to Magnolia Beach Rd and turn left. Continue for 2.7 miles to Delwood Dr and turn right. Enter Sanctuary Beach through gate (code required). In 350 feet turn right on Cottage Cove Ln and house will be on the left.
Legal Description: SANCTUARY BEACH LOT 4 BLK B ORB 2721 P 531

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 2340
SqFt Source: Builders Plans
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Year Built: 2024
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 40×80
Acreage: 0.07
Lot Size (SqFt): 3049
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 1816
HOA Frequency: Quarterly
HOA Annual Amount: 7264
New Buyer Fee: No
Last Taxes: 6944
Last Tax Year: 2025
Lot: 4
Block: B
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: 4 bedroom, 2 1/2 bath new construction home in the quiet, serene, gated community of Sanctuary Beach. Conveniently located steps from St Andrews Bay, close to Bay Point Golf Club and the area's largest marinas serving access to the Gulf, the Naval Dive School (NSA), shopping and fine dining. Location, location, location! This 2340 sq ft home has the desired open kitchen, dining and living area perfect for entertaining and all located on the main floor of the home. There are 10-foot ceilings and durable, low maintenance wood-look LVP flooring along with the convenience of a 1/2 bath. The kitchen has a large Butler pantry, quartz counter tops, gas stove top with a pot filler, ship lapped island and exhaust hood. Upstairs you will find the 4 bedrooms and 2 full baths, both with double vanities. There is also bonus/flex space of over 130 sq. ft. that separates the master suite from the other bedrooms. Master bath has a beautiful large, tiled shower and a walk-in closet. Finally, there is a 2-car garage consisting of over 422 sq. ft. No neighbors behind the home add to the peace and quiet offered by the neighborhood. Sanctuary Beach has a community pool and a trail that leads to the shores of St Andrews Bay. It is conveniently located next to all that Panama City Beach has to offer yet is quietly tucked away from the crowds and traffic. Home is empty and easy to show!

Appliances

Bar Fridge: Yes
Cooktop – Gas: Yes
Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Range Hood: Yes

More Information

Interior Features

Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Stairs: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Asphalt: Yes
Siding – Hardie Board: Yes

Exterior

Patio Covered: Yes
Sprinkler System: Yes

Association Fees Include

Gated Community: Yes
Management: Yes
Pool: Yes

Financing

Cash: Yes
Conventional: Yes
VA: Yes

Furnished

Unfurnished: Yes

Lot Features

Covenants & Rescrictions: Yes
Interior Lot: Yes
Landscaped: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Comm/Own/Maint: Yes
Paved Road: Yes

Parking Features

Garage Attached: Yes
Garage Door Opener: Yes
Paver Block: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Gated Community: Yes
Pool: Yes
Trail(s): Yes

Rooms

Bedroom: Yes
Laundry: Yes
Living Room: Yes
Primary Bedroom: Yes
Other: Yes
Pantry: Yes

Utilities

Electricity – Connected: Yes
Garbage: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Underground Utilities: Yes

Sale Type

As Is: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
ENERGY STAR Qualified Equipment: Yes

Heating

Central: Yes
ENERGY STAR Qualified Equipment: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBath Walk-In Closet: Yes

Security Features

Gated Community: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Bar Fridge; Cooktop – Gas; Dishwasher; Disposal; Microwave; Oven – Electric; Range Hood Cooling: Ceiling Fan(s); Central Air; ENERGY STAR Qualified Equipment Heating: Central; ENERGY STAR Qualified Equipment Exterior: Patio Covered; Sprinkler System Association Fees Include: Gated Community; Management; Pool Financing: Cash; Conventional; VA Furnished: Unfurnished Lot Features: Covenants & Rescrictions; Interior Lot; Landscaped; Within 1/2 Mile to Water Lot Access: Comm/Own/Maint; Paved Road Security Features: Gated Community; Smoke Detector(s) Parking Features: Garage Attached; Garage Door Opener; Paver Block Association Amenities: Gated Community; Pool; Trail(s) Rooms: Bedroom; Laundry; Living Room; Primary Bedroom; Other; Pantry Sale Type: As Is Utilities: Electricity – Connected; Garbage; Public Sewer – Connected; Public Water – Connected; Underground Utilities Present Zoning: Resid Single Family

Room Information

Room Name	Dimensions	Length	Width
Master Bedroom	15 x 16	15.00	16.00
Bedroom	10.9 x 13.2	10.90	13.20
Bedroom	11.6 x 11.6	11.60	11.60
Living Room	21 x 17	21.00	17.00
Pantry	8 x 6	8.00	6.00
Laundry	7.6 x 6.3	7.60	6.30
Other	15 x 8.6	15.00	8.60

Listing Office: Berkshire Hathaway HomeServices Beach Properties of Florida

Last Updated: June – 17 – 2026

Information deemed reliable but not guaranteed.