3522 Cottage Cove Lane, Panama City, FL, 32408

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3522 Cottage Cove Lane, Panama City, FL, 32408

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$645,000
4 Days On Site

3522 Cottage Cove Lane
Panama City, FL 32408

For Sale|Single Family Residence|Active
4
Beds
3
Total Baths
2
Full Baths
1
Partial Bath
2,516
SqFt
$256
/SqFt
2022
Built
Subdivision:
Sanctuary Beach
County:
Bay
Listing courtesy of Kelly Flanagan of Keller Williams Success Realty
Call Now: 850-786-3054
Is this the listing for you? We can help make it yours.
850-786-3054
3522 Cottage Cove Lane3522 Cottage Cove Lane3522 Cottage Cove Lane3522 Cottage Cove Lane
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***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 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. 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.

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Listing Snapshot
Price 
$645,000
Days On Site 
4 Days
Bedrooms 
4
Inside Area (SqFt) 
2,516 sqft
Total Baths 
3
Full Baths 
2
Partial Baths 
1
Lot Size 
0.09 Acres
Year Built 
2022
MLS Number 
796711
Status 
Active
Property Tax 
$6,232.23
HOA/Condo/Coop Fees 
$195.33 monthly
Sq Ft Source 
Appraiser
Friends & Family
Recent Activity
4 days agoListing first seen on site
4 days agoListing updated with changes from the MLS
General Features
Acres 
0.09
Foundation 
Slab
Garage 
Yes
Garage Spaces 
2
Levels 
Two
Number Of Stories 
2
Property Sub Type 
Single Family Residence
Security 
Gated Community
Sewer 
Public Sewer
SqFt Total 
2516
Style 
Craftsman
Utilities 
Cable Connected
Zoning 
Resid Single Family
Interior Features
Appliances 
Gas CooktopTankless Water Heater
Cooling 
Central AirCeiling Fan(s)
Furnished? 
None
Heating 
Electric
Interior 
Coffered Ceiling(s)Double VanityWalk-In Closet(s)
Bedroom 
Dimensions - 10 x 14Level - Second
Living Room 
Dimensions - 20 x 15Level - First
PrimaryBathroom 
Dimensions - 17 x 15Level - First
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Exterior Features
Construction Details 
HardiPlank Type
Fencing 
FullFenced
Patio And Porch 
CoveredPorch
Pool Features 
Community
Road Frontage 
Private Road
Roof 
CompositionShingle
Community Features
Association Amenities 
PoolGatedTrash
Association Fee 
$586.0
Association Fee Frequency 
Quarterly
Community Features 
PoolGated
MLS Area 
03 - Bay County - Beach
Schools
School District
Unknown
Elementary School
Patronis
Middle School
Surfside
High School
Arnold
Listing courtesy of Kelly Flanagan of Keller Williams Success Realty



Listing information is provided by Participants of the Central Panhandle Association of REALTORS MLS. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2026, Central Panhandle Association of REALTORS MLS.
Last checked: 2026-10-23 12:08 AM UTC

Neighborhood & Commute
Source: Walkscore
Disclosure: Community information and market data powered by Constellation Data Labs. Information is deemed reliable but not guaranteed.
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