Address

3522 Cottage Cove Lane, Panama City Beach, FL

Listing Type

Active

Price

$ 660,000

Your Agent

Mark Cowart

Managing Partner-Luxury Home Marketing Specialist

850-832-6000

Property Attributes

MLS#790845
TypeSingle Family
Listing Status Active
CountyBay
CityPanama City Beach
Area03 - Bay County - Beach
NeighborhoodSanctuary Beach
Zip32408
Style
Year Built2022
Taxes$ 6232
Price$ 660,000
Bedrooms4
Full Bathrooms2
Half Bathrooms1
Sqr Footage2254
Lot Size0.09 Acres

Data Source:

Central Panhandle Association of REALTORS® (CPAR)

Property Description

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

Elementary School	Middle School	High School
Patronis Elementary School	Surfside Middle School	Arnold High School

Price History
6/5/2026	Listed $690,000
6/15/2026	3$670,000
8/11/2026	1$660,000

General Features

Sewer	Public Sewer
Utilities	Cable Connected
Property Subtype	Single Family Residence
Tax Year	2025
Community Features	Pool,Community Pool,Gated
County	Bay
Property Type	Residential
HOA	true
Subdivision Name	Sanctuary Beach
Special Listing Conditions	Listed As-Is
Status	Active
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
High School	Arnold
City	Panama City Beach
Zoning Description	Resid Single Family
MLS Area	03 - Bay County - Beach
Lot Size Units	Acres
Lot Size Square Feet	3920
Elementary School	Patronis
Tax Annual Amount	6232
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	Occupied
Year Built	2022
Association Fee Includes	Legal/Accounting,Pool(s),Trash
Heating	Electric
Cooling	Central Air,Ceiling Fan(s)
Appliances	Gas Cooktop,Tankless Water Heater
Patio/Porch Features	Covered,Porch
Construction Materials	HardiPlank Type
Attached Garage	false
Garage Y/N	true
Total Rooms	5
Full Baths	2
Virtual Tour	https://youtu.be/7OO7XiAfEU0?si=DQV6pxmwkteF0h-4
Garage Spaces	2
Architectural Style	Craftsman
Stories Count	2
Levels	Two
HOA Fee	586
Assoc Fee Paid Per	Quarterly
Pool Features	Community
Security Features	Gated Community
New Construction	false
Roof	Composition,Shingle

Interior Features

Total Baths	3
Interior Amenities	Coffered Ceiling(s),Double Vanity,Interior Steps,Main Level Primary,Walk-In Closet(s)
Furnished Units	None
Air Conditioning Y/N	true
Heating Y/N	true
Total Bedrooms	4
LivingAreaSource	Appraiser
Half Baths	1
Total Stories	2

Exterior Features

Lot Size Area	0.09
Lot Dimensions	40X100
Lot Size Acres	0.09
Road Frontage Type	Private Road
Building Area Total	2254
Waterfront Y/N	false
Fencing	Full,Fenced
Foundation Details	Slab