3519 Cottage Cove Lane, Panama City Beach, FL 32408 (MLS# 785018)

3519 Cottage Cove Lane, Panama City Beach, FL 32408

$424,242

Nearby access for Kayak or Paddle launch

Pictures are of similar home and not necessarily of subject property, including interior and exterior colors, options, and finishes. Buyer to verify all information during due diligence.

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,765 Lot Size (sq. ft.): 3,485 Status: Active

Current Price: $424,242 List Date: 2/10/2026 Last Modified: 6/02/2026

Overview

Description

Welcome to 3519 Cottage Cove Lane at Sanctuary Beach in Panama City Beach, Florida. This pre-construction homesite offers the opportunity to secure new construction prior to groundbreaking. This property will be developed with the Norfolk floor plan and built to current design standards and specifications. Buyers may have the ability to personalize select finishes depending on the stage of construction. Estimated completion timelines and build details available upon request. This home features bright entry hall leading to the main living area. Garage access is conveniently located off the entry hall as well as a half bath. The living area has an open kitchen with peninsula bar and space for seating. EVP flooring is throughout the main level in all common and wet areas while each bedroom has carpet. White cabinetry is complemented by quartz countertops, and the kitchen will have appliances including a stove, microwave and dishwasher. All bedrooms are upstairs, and the primary b … (Read more)

Listing Details MLS# 785018

Contract Info

List Price/SqFt: 240.36

Location

Area: 03 – Bay County – Beach
Street #: 3519
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: 31368-118-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Thomas Dr, turn East onto Magnolia Beach Rd. In 1.1 miles, follow the curve to the right onto Delwood Beach Rd. Go all the way down to the stop sign on Delwood Dr and turn right. Enter through the gated entrance and turn right onto Cottage Cove Ln. 3508 will be on your right. This is a gated community.
Legal Description: SANCTUARY BEACH LOT 2 BLK B ORB 4833 P 1686

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 1765
SqFt Source: Builders Plans
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Year Built: 2026
Immediate Occupancy: No
Construction Status: Under Construction
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: Yes
Lot Dimensions: 40×80
Acreage: 0.08
Lot Size (SqFt): 3485
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 2163
HOA Frequency: Annually
HOA Annual Amount: 2163
New Buyer Fee: Yes
New Buyer Fee Amt: 639
New Buyer Fee Paid: $
Brokerage Interest: Ownership Interest – Listing Broker/Salesperson has ownership interest in the property.
As Is: No

Remarks & Misc

Remarks: Welcome to 3519 Cottage Cove Lane at Sanctuary Beach in Panama City Beach, Florida. This pre-construction homesite offers the opportunity to secure new construction prior to groundbreaking. This property will be developed with the Norfolk floor plan and built to current design standards and specifications. Buyers may have the ability to personalize select finishes depending on the stage of construction. Estimated completion timelines and build details available upon request. This home features bright entry hall leading to the main living area. Garage access is conveniently located off the entry hall as well as a half bath. The living area has an open kitchen with peninsula bar and space for seating. EVP flooring is throughout the main level in all common and wet areas while each bedroom has carpet. White cabinetry is complemented by quartz countertops, and the kitchen will have appliances including a stove, microwave and dishwasher. All bedrooms are upstairs, and the primary bedroom is located just off the landing overlooking the back of the home. It is perfect retreat and has a large closet and private ensuite bathroom with a large soak tub and separate shower as well as a dual sink vanity. The two additional bedrooms share a Jack and Jill bathroom with separate single sink vanities and a combination shower tub. The additional bedrooms are spacious and feature large closets for storage.

Dining Room

First: Yes

More Information

Appliances

Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Plumbed For Ice Maker: Yes
Range – Gas: Yes
Water Heater – Electric: Yes
Water Heater – Tankless: Yes

Interior Features

Breakfast Bar: Yes
Floor – Vinyl Plank: Yes
Lighting – Recessed: Yes
Pantry: Yes
Stairs: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Composite Shngl: Yes
Roof – Gutters: Yes
Siding – Hardie Board: Yes

Exterior

Hurricane Fabric: Yes
Patio Open: Yes
Porch Covered: Yes
Sprinkler System: Yes

Association Fees Include

Master Association: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Interior

Smart Home: Yes
Smart Thermostat: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

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

Lot Access

Private Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Garden Tub: Yes
MBath Separate Shwr: Yes
MBed Walk-in Closet: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Gated Community: Yes
Pool: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Kitchen: Yes
Living Room: Yes
Master Bedroom: Yes

Utilities

Electricity – Connected: Yes
Public Water – Connected: Yes

Accessibility Features

Smart Technology: Yes

Master Bedroom

Second: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Security Features

Carbon Monoxide Detector: Yes
Gated Community: Yes
Smoke Detector(s): Yes

Property Features

Accessibility Features: Smart Technology Appliances: Dishwasher; Disposal; Microwave; Oven – Electric; Plumbed For Ice Maker; Range – Gas; Water Heater – Electric; Water Heater – Tankless Master Bedroom: Second Bedroom: Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Hurricane Fabric; Patio Open; Porch Covered; Sprinkler System Association Fees Include: Master Association Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Interior: Smart Home; Smart Thermostat Kitchen: First Living Room: First Lot Features: Interior Lot; Landscaped; Within 1/2 Mile to Water Lot Access: Private Road Dining Room: First Security Features: Carbon Monoxide Detector; Gated Community; Smoke Detector(s) Parking Features: Driveway; Garage Attached; Garage Door Opener Association Amenities: Gated Community; Pool Rooms: Bedroom; Dining Room; Kitchen; Living Room; Master Bedroom Utilities: Electricity – Connected; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	12 x 16	12.00	16.00
Kitchen	First	15 x 11	15.00	11.00
Dining Room	First	10 x 11	10.00	11.00
Master Bedroom	Second	13 x 14	13.00	14.00
Bedroom	Second	12 x 11	12.00	11.00
Bedroom	Second	12 x 11	12.00	11.00

Listing Office: DR Horton Realty of Emerald Coast, LLC

Last Updated: June – 02 – 2026

Information deemed reliable but not guaranteed.