3522 Cottage Cove Lane, Panama City, FL 32408

Panama City
Local realty services provided by:ERA Neubauer Real Estate, Inc.
3522 Cottage Cove Lane,Panama City, FL 32408
$645,000
  • 4 Beds
  • 3 Baths
  • 2,516 sq. ft.
  • Single family
  • Active
Listed by: kelly flanagan
Office: keller williams success realty
MLS#:796711
Source:FL_BCMLS

Price summary

  • Price:$645,000
  • Price per sq. ft.:$256.36
  • Monthly HOA dues:$195.33

About this home

***VA ASSUMABLE LOAN at 5.375*** 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...

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Home facts

  • Year built:2022
  • Subdivision & Development:Sanctuary Beach
  • Listing ID #:796711
  • Added:9 day(s) ago
  • Updated:October 27, 2026 at 04:16 PM

Rooms and interior

  • Bedrooms:4
  • Total bathrooms:3
  • Full bathrooms:2
  • Half bathrooms:1
  • Rooms Total:5
  • Dining Description:Coffered ceilings
  • Bathrooms Description:CofferedCeilings
  • Kitchen Description:Gas Cooktop, Tankless Water Heater
  • Bedroom Description:CofferedCeilings
  • Living area:2,516 sq. ft.

Heating and cooling

  • Cooling:CeilingFans, CentralAir
  • Heating:Electric
  • Central air:Yes

Structure and exterior

  • Roof:Composition, Shingle
  • Year built:2022
  • Building area:2,516 sq. ft.
  • Lot area:0.09 Acres
  • Architectural Style:Craftsman
  • Exterior Features:Porch
  • Foundation Description:Slab
  • Levels:2 Story

Schools

  • High school:Arnold
  • Middle school:Surfside
  • Elementary school:Patronis

Utilities

  • Sewer:Public Sewer

Finances and disclosures

  • Price:$645,000
  • Price per sq. ft.:$256.36
  • Tax amount:$6,232 (2025)

Features and amenities

  • Amenities:GasCooktop, Gated, GatedCommunity, TanklessWaterHeater
  • Pool features:Community

Parking

  • Garage:Yes
  • Garage spaces:2
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