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$599,000

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 2 Full Baths
  • 1 Partial Bath
  • Updated 2 days ago
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Welcome to this beautifully appointed 4-bedroom, 2.5-bathroom home located in the highly sought-after gated community of Sanctuary Beach. Designed with both comfort and style in mind, this home features luxury vinyl plank flooring throughout, recessed lighting, and an open-concept layout perfect for everyday living and entertaining.The heart of the home is the spacious kitchen, showcasing an oversized island overlooking the living area, complete with an electric fireplace. Enjoy premium finishes including stainless steel appliances, a gas range, quartz countertops, and shaker-style soft-close cabinetry. Just off the kitchen, you'll find a convenient butler's pantry featuring a wine cooler, providing additional storage and entertaining space. A well-positioned half bath is also located on the main floor for guests.Upstairs, the spacious primary suite offers a relaxing retreat with a double vanity, a stunning floor-to-ceiling tiled walk-in shower, and a generous walk-in closet that conveniently connects directly to the laundry room. Three additional bedrooms and a full bathroom complete the second level.Step outside to enjoy the covered back patio overlooking the backyard, perfect for relaxing or hosting gatherings. Ideally situated just a short walk from the community pool and only minutes from the white sandy beaches of Panama City Beach, this home offers the perfect combination of luxury, convenience, and coastal living.

Full Property Details for 3513 Cottage Cove Ln

General

  • Price: $599,000
  • Taxes: $6,468 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 791052
  • Updated: 6/18/2026
  • Added to Site: 11 day(s) ago

Interior

  • Number of Rooms: 4
  • Interior Features: Double Vanity, Interior Steps, Walk-In Closet(s)
  • Appliances: Gas Range

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 2
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 4

Additional Information

  • Shared Amenities: Gated
  • Pool: Yes
  • Pool Description: In Ground, Community
  • Security/Safety: Gated Community, Security Gate, Smoke Detector(s)

Exterior

  • Porch/Patio/Deck: Covered, Patio

Parking

  • Garage: Yes
  • Garage Spaces: 2
  • Parking Features: Gated

Location

  • County: Bay
  • Subdivision: Sanctuary Beach
  • Driving Directions: From 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, follow Cottage Cove Ln, home will be on the left side.

School Information

  • Elementary School: Patronis
  • Middle School: Surfside
  • High School: Arnold

Community

  • Community Name: 03 - Bay County - Beach
  • Association: Yes

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Ceiling Fan(s)
  • Heating Type: Electric

Utilities

  • Sewer: Public Sewer
  • Utility Description: Electricity Available, Underground Utilities

Structural Information

  • Architectural Style: Craftsman
  • Construction: HardiPlank Type, Wood Frame
  • Roof: Shingle
  • Stories/Levels: 2
  • Sq. Ft. Source: Appraiser
  • Year Built: 2024

Lot Features

  • Lot Size (Acres): 0.07
  • Lot Size (Sq. Ft.): 3,049
  • Lot Size: .07
  • Lot Dimensions: 40 x 80
  • Frontage: Private Road
  • Lot Features: Sprinkler System
  • Zoning: Resid Single Family
  • Fencing (Description): Fenced

Financial Considerations

  • Tax Amount: $6,468
  • Tax Year: 2025

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: SANCTUARY BEACH LOT 5 BLK B ORB 4636 P 426
  • Property ID: 31368-121-000

Listed by Seltzer Real Estate, LLC

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Listing agent

— 3513 Cottage Cove Ln —

  • Seltzer Real Estate, LLC

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 3513 Cottage Cove Ln

School District:Bay County School District
NameGradesDistance
Patronis Elementary School
7400 Patronis Dr, Panama City Beach, FL 32408
K-53.4 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-89.3 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-127.4 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 3513 Cottage Cove Ln Get Price Alerts and Save Property

Date
Details
Price
Change
Source
6/09/2026
Listed
$599,000
-6.55%
MLS
1/27/2025
Sold
$641,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 3513 Cottage Cove Ln

Year
Property Taxes
Change
Tax Assessment
Change
2024
$922
—
$522,887
597%
2024
$922
5%
$75,066
7%
2023
$877
43%
$70,167
37%
2021
$614
-5%
$51,213
-8%
2022
$645
5%
$55,733
27%
2021
$614
43%
$43,860
51%
2019
$429
2%
$29,040
10%
2018
$420
39%
$26,400
10%
2017
$302
-2%
$24,000
—
2016
$308
-3%
$24,000
—
2015
$317
—
$24,000
—
2014
$316
13%
$24,000
—
2013
$280
—
$24,000
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 3513 Cottage Cove Ln

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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NMLS#: 1598647

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Listed by Seltzer Real Estate, LLC

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Listed by Ida Hargaray

3513 Cottage Cove Lane, Panama City, FL 32408 (MLS# 791052) is a Single Family property with 4 bedrooms, 2 full bathrooms and 1 partial bathroom. 3513 Cottage Cove Lane is currently listed for $599,000 and was received on June 09, 2026. Want to learn more about 3513 Cottage Cove Lane? Do you have questions about finding other Single Family real estate for sale in Panama City? You can browse all Panama City real estate or contact a Coldwell Banker agent to request more information.

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