3515 Cottage Cove Lane, Panama City, FL 32408 (MLS# 793427)

3515 Cottage Cove Lane, Panama City, FL 32408

New Listing

$568,999

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,400 Lot Size (sq. ft.): 3,920 Status: Active

Current Price: $568,999 List Date: 8/01/2026 Last Modified: 8/01/2026

Overview

Description

Introducing a brand new home nestled in the exquisite gated community of Sanctuary Beach! This stunning 4 bedroom, 3 bath residence boasts an inviting open-concept layout, seamlessly connecting indoor and outdoor living spaces. Revel in the elegance of Quartz countertops adorning soft-closing cabinets, complemented by a master bath featuring double vanities and an expansive custom floor-to-ceiling tiled shower. The spacious walk-in closet conveniently leads to the laundry room. Delight in modern conveniences including stainless steel appliances, a pot filler above the range, a 7-foot kitchen island, and a Butler pantry. Luxury vinyl plank flooring and lofty 10-foot ceilings accentuate the main living area’s allure. Additional features include a 2-car garage with a brick paver driveway, a mudroom, irrigation system, and a covered back patio complete with a ceiling fan. Experience the epitome of luxury living in one of the beaches most sought-after communities!

Listing Details MLS# 793427

Contract Info

List Price/SqFt: 237.08

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: Magnolia Beach to Delwood to end go right to the gate at Sanctuary Beach
Legal Description: SANCTUARY BEACH LOT 4 BLK B ORB 4749 P 1833

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 2400
SqFt Source: Builders Plans
Full Baths: 3
Half Baths: Yes
Total Baths: 4
# of Stories in Building: 2
Accessory Dwelling Unit: No
Year Built: 2024
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 2
Driveway Spaces: 2
Lot Dimensions: 40×101
Acreage: 0.07
Lot Size (SqFt): 3920
Pool: Yes
Pool Type: Community
Below Ground SqFt: 0

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 508
HOA Frequency: Quarterly
HOA Annual Amount: 2032
New Buyer Fee: No
Last Taxes: 6943.72
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: Introducing a brand new home nestled in the exquisite gated community of Sanctuary Beach! This stunning 4 bedroom, 3 bath residence boasts an inviting open-concept layout, seamlessly connecting indoor and outdoor living spaces. Revel in the elegance of Quartz countertops adorning soft-closing cabinets, complemented by a master bath featuring double vanities and an expansive custom floor-to-ceiling tiled shower. The spacious walk-in closet conveniently leads to the laundry room. Delight in modern conveniences including stainless steel appliances, a pot filler above the range, a 7-foot kitchen island, and a Butler pantry. Luxury vinyl plank flooring and lofty 10-foot ceilings accentuate the main living area's allure. Additional features include a 2-car garage with a brick paver driveway, a mudroom, irrigation system, and a covered back patio complete with a ceiling fan. Experience the epitome of luxury living in one of the beaches most sought-after communities!

Pool Features

Inground: Yes

More Information

Appliances

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

Interior Features

Ceiling – Raised: Yes
Fireplace: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes

Construction/Siding

Roof – Shingle/Shake: Yes
Siding – Hardie Board: Yes

Exterior

Patio Covered: Yes

Association Fees Include

Gated Community: Yes
Management: Yes
Pool: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes

Furnished

Unfurnished: Yes

Interior

Bonus Room: Yes

Living Room

First: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Pool: Yes
Other – See Remarks: Yes

Rooms

Bedroom: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Public Sewer – Connected: Yes

Primary Bedroom

Second: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes

Primary Bdrm/Primary Bath

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

Security Features

Gated Community: Yes

Property Features

Appliances: Bar Fridge; Cooktop – Gas; Dishwasher; Disposal; Microwave; Oven – Electric; Range – Gas; Water Heater – Electric Primary Bedroom: Second Bedroom: Second Cooling: Ceiling Fan(s); Central Air Heating: Central Exterior: Patio Covered Association Fees Include: Gated Community; Management; Pool Financing: Cash; Conventional; FHA Furnished: Unfurnished Interior: Bonus Room Living Room: First Lot Access: Paved Road Pool Features: Inground Security Features: Gated Community Parking Features: Driveway; Garage Attached Association Amenities: Pool; Other – See Remarks Rooms: Bedroom; Living Room; Primary Bedroom Utilities: TV Cable; Electricity – Connected; Public Sewer – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	20 x 14	20.00	14.00
Bedroom	Second	13 x 11	13.00	11.00
Bedroom	Second	13 x 11	13.00	11.00
Primary Bedroom	Second	15 x 15	15.00	15.00

Listing Office: Emerald Coast Realty Group

Last Updated: August – 01 – 2026

Information deemed reliable but not guaranteed.