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3522 Cottage Cove Lane, Panama City, FL 32408

Panama City
Local realty services provided by:CENTURY 21 First Story Real Estate
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:6 day(s) ago
  • Updated:October 25, 2026 at 02:50 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
The information being provided by Central Panhandle Association Of REALTORS® is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of the Central Panhandle Association Of REALTORS®. CENTURY 21 First Story Real Estate is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of CENTURY 21 First Story Real Estate, a broker participant of Central Panhandle Association Of REALTORS®. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. The accuracy of all information, regardless of source, including but not limited to open house information, square footages and lot sizes, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The data contained herein is copyrighted by Central Panhandle Association Of REALTORS® and is protected by all applicable copyright laws. Any unauthorized dissemination of this information is in violation of copyright laws and is strictly prohibited. Properties in listings may have been sold or may no longer be available. Copyright 2026 Central Panhandle Association Of REALTORS®. All rights reserved. FL_BCMLS Member Broker: Debbie Kirkand

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