3522 Cottage Cove Lane, Panama City Beach, FL 32408 (MLS# 790845)

3522 Cottage Cove Lane, Panama City Beach, FL 32408

New Listing

$690,000

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,254 Lot Size (sq. ft.): 3,920 Status: Active

Current Price: $690,000 List Date: 6/05/2026 Last Modified: 6/05/2026

Overview

Description

Quietly tucked away in the gated community of Sanctuary Beach, this beautifully upgraded 4-bedroom, 2.5-bath home 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 o … (Read more) Quietly tucked away in the gated community of Sanctuary Beach, this beautifully upgraded 4-bedroom, 2.5-bath home 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.

Listing Details MLS# 790845

Contract Info

List Price/SqFt: 306.12

Location

Area: 03 – Bay County – Beach
Street #: 3522
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: 31368-106-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
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
Legal Description: SANCTUARY BEACH LOT 6 BLK A ORB 4706 P 1405

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 2254
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Year Built: 2022
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 40X100
Acreage: 0.09
Lot Size (SqFt): 3920
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 586
HOA Frequency: Quarterly
HOA Annual Amount: 2344
New Buyer Fee: Yes
Last Taxes: 6232
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: Quietly tucked away in the gated community of Sanctuary Beach, this beautifully upgraded 4-bedroom, 2.5-bath home 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.

Master Bathroom

First: Yes

More Information

Appliances

Cooktop – Gas: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Range Hood: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Tankless: Yes

Interior Features

Ceiling – Coffered: Yes
Floor – Vinyl: Yes
Split Bedroom: Yes
Stairs: Yes
Window – Treatment All: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Composite Shngl: Yes
Siding – Hardie Board: Yes

Exterior

Fenced Lot-All: Yes
Porch Covered: Yes

Association Fees Include

Accounting: Yes
Gated Community: Yes
Pool: Yes
Trash Disposal: Yes

Financing

Assume w/int: Yes
Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Living Room

First: Yes

Lot Access

Private Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Pool: Yes

Rooms

Bedroom: Yes
Living Room: Yes
Master Bathroom: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Garbage: Yes
Natural Gas – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Sale Type

As Is: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Electric: Yes

Security Features

Gated Community: Yes

Property Features

Appliances: Cooktop – Gas; Dishwasher; Disposal; Dryer; Microwave; Range Hood; Refrigerator; Washer; Water Heater – Tankless Bedroom: Second Cooling: Ceiling Fan(s); Central Air Heating: Electric Exterior: Fenced Lot-All; Porch Covered Association Fees Include: Accounting; Gated Community; Pool; Trash Disposal Financing: Assume w/int; Cash; Conventional; FHA; VA Furnished: Unfurnished Living Room: First Lot Access: Private Road Master Bathroom: First Security Features: Gated Community Parking Features: Driveway; Garage Attached Association Amenities: Pool Rooms: Bedroom; Living Room; Master Bathroom Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Garbage; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Master Bathroom	First	17 x 15	17.00	15.00
Bedroom	Second	12 x 12	12.00	12.00
Bedroom	Second	10 x 14	10.00	14.00
Bedroom	Second	10 x 15	10.00	15.00
Living Room	First	20 x 15	20.00	15.00

Listing Office: Keller Williams Success Realty

Last Updated: June – 05 – 2026

Information deemed reliable but not guaranteed.