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

List Price/SqFt: 306.12

Status: Active

List Date: 2026-06-05

List Price: $690,000

Current Price: $690,000

Sub Area: 0319 - Beach - East

Community/Resort: None

Waterfront: No

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

Area: 03 - Bay County - Beach

Street #: 3522

Street Name: Cottage Cove

Street Suffix: Lane

State: FL

Zip Code: 32408

County: Bay

Subdivision: Sanctuary Beach

Parcel ID: 31368-106-000

Legal Description: SANCTUARY BEACH LOT 6 BLK A ORB 4706 P 1405

Acreage: 0.09

Design: Craftsman Style

Lot Size (SqFt): 3920

Apx SqFt(Htd/Cooled): 2254

Construction Status: Construction Complete

SqFt Source: Prop App Site

Half Baths: 1

# of Stories in Building: 2

Lot Dimensions: 40X100

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Pool: Yes

Pool Type: Community

Sub-Type: Detached Single Family

Bedrooms: 4

Full Baths: 2

Total Baths: 3

Year Built: 2022

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: 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.

First: 1

Cooktop - Gas: 1

Dishwasher: 1

Disposal: 1

Dryer: 1

Microwave: 1

Range Hood: 1

Refrigerator: 1

Washer: 1

Water Heater - Tankless: 1

Ceiling - Coffered: 1

Floor - Vinyl: 1

Split Bedroom: 1

Stairs: 1

Window - Treatment All: 1

Foundation - Slab on Grade: 1

Roof - Composite Shngl: 1

Siding - Hardie Board: 1

Fenced Lot-All: 1

Porch Covered: 1

Accounting: 1

Gated Community: 1

Pool: 1

Trash Disposal: 1

Assume w/int: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Unfurnished: 1

First: 1

Private Road: 1

Driveway: 1

Garage Attached: 1

MBath Double Vanity: 1

MBath Shower Only: 1

MBath Walk-In Closet: 1

MBed First Floor: 1

Resid Single Family: 1

Pool: 1

Bedroom: 1

Living Room: 1

Master Bathroom: 1

TV Cable: 1

Electricity - Connected: 1

Garbage: 1

Natural Gas - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

As Is: 1

Second: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Gated Community: 1