USAFLPanama City BeachSanctuary Beach3522 Cottage Cove Ln

3522 Cottage Cove Ln, Panama City Beach, FL

House

For Sale

Listed price in listed location currency (USD).

$670,000

432

MLS® 790845

Key Facts
Description
Rooms
Map

Key Facts

Type Single Family Residence

Levels Residential

Size -

Garage Yes

Taxes $6,232

Days Active 53

Lot Size 0.09 Acres

Approx. Age 2022

MLS® Number 790845

Property Address: 3522 Cottage Cove Ln, Panama City Beach, FL, 32408-7497

Average square foot calculated using Size range provided by listing agent.

Description

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. 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.

MLS® Number790845

Laundry Level

Central VacNo

FireplaceNo

Acreage

Exterior

GarageYes

Approx. Age2022

Basement

Driveway

Garage Spaces

HeatElectric

A/CCentral Air, Ceiling Fans

Extras

Price History

-End Date

Not Sold YetSold Price

For Sale

Jun 5, 2026List Date

$670,000List Price

Commute

Commute

Starting Address

Destination Address

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