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

$454,251
3519 Cottage Cove Lane
Panama City Beach, FL 32408
MLS# 785018
3 beds  |  3 baths  |  1765 sqft
Norfolk_A_WEB
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Norfolk_A_WEB Near Golf Course Nearby access for Kayak or Paddle launch Community Pool Community pool area 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. Norfolk Marketing FP

Property 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 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.

Details
Maps
Contract Info
List Price/SqFt: 257.37
Status: Active
List Date: 2026-02-10
List Price: $454,251
Current Price: $454,251
Location
Sub Area: 0319 - Beach - East
Community/Resort: None
Waterfront: No
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.
Area: 03 - Bay County - Beach
Street #: 3519
Street Name: Cottage Cove
Street Suffix: Lane
State: FL
Zip Code: 32408
County: Bay
Subdivision: Sanctuary Beach
Parcel ID: 31368-118-000
Legal Description: SANCTUARY BEACH LOT 2 BLK B ORB 4833 P 1686
General Property Info
Acreage: 0.08
Design: Craftsman Style
Lot Size (SqFt): 3485
Apx SqFt(Htd/Cooled): 1765
Immediate Occupancy: No
Construction Status: Under Construction
SqFt Source: Builders Plans
Half Baths: 1
# of Stories in Building: 2
Lot Dimensions: 40x80
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 1
Pool: Yes
Pool Type: Community
Sub-Type: Detached Single Family
Bedrooms: 3
Full Baths: 2
Total Baths: 3
Year Built: 2026
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: 1
Appliances
Dishwasher: 1
Disposal: 1
Microwave: 1
Oven - Electric: 1
Plumbed For Ice Maker: 1
Range - Gas: 1
Water Heater - Electric: 1
Water Heater - Tankless: 1
Interior Features
Breakfast Bar: 1
Floor - Vinyl Plank: 1
Lighting - Recessed: 1
Pantry: 1
Stairs: 1
Construction/Siding
Foundation - Slab on Grade: 1
Wood/Frame: 1
Roof - Composite Shngl: 1
Roof - Gutters: 1
Siding - Hardie Board: 1
Exterior
Hurricane Fabric: 1
Patio Open: 1
Porch Covered: 1
Sprinkler System: 1
Association Fees Include
Master Association: 1
Financing
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Furnished
Unfurnished: 1
Interior
Smart Home: 1
Smart Thermostat: 1
Kitchen
First: 1
Living Room
First: 1
Lot Features
Interior Lot: 1
Landscaped: 1
Within 1/2 Mile to Water: 1
Lot Access
Private Road: 1
Parking Features
Driveway: 1
Garage Attached: 1
Garage Door Opener: 1
Mstr Bath / Mstr Bdrm
MBath Double Vanity: 1
MBath Garden Tub: 1
MBath Separate Shwr: 1
MBed Walk-in Closet: 1
Present Zoning
Resid Single Family: 1
Association Amenities
Gated Community: 1
Pool: 1
Rooms
Bedroom: 1
Dining Room: 1
Kitchen: 1
Living Room: 1
Master Bedroom: 1
Utilities
Electricity - Connected: 1
Public Water - Connected: 1
Accessibility Features
Smart Technology: 1
Master Bedroom
Second: 1
Bedroom
Second: 1
Cooling
Ceiling Fan(s): 1
Central Air: 1
Electric: 1
Heating
Central: 1
Electric: 1
Security Features
Carbon Monoxide Detector: 1
Gated Community: 1
Smoke Detector(s): 1
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 Dimensions
Living RoomFirst12 x 1612.0016.0012 x 16
KitchenFirst15 x 1115.0011.0015 x 11
Dining RoomFirst10 x 1110.0011.0010 x 11
Master BedroomSecond13 x 1413.0014.0013 x 14
BedroomSecond12 x 1112.0011.0012 x 11
BedroomSecond12 x 1112.0011.0012 x 11
Listing Office: DR Horton Realty of Emerald Coast, LLC

Last Updated: May - 12 - 2026

Information deemed reliable but not guaranteed.

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