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$584,900

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 2 Full Baths
  • 1 Partial Bath
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Introducing a brand new home nestled in the exquisite gated community of Sanctuary Beach! This stunning 4 bedroom, 3 bath residence boasts an inviting open-concept layout, seamlessly connecting indoor and outdoor living spaces. Revel in the elegance of Quartz countertops adorning soft-closing cabinets, complemented by a master bath featuring double vanities and an expansive custom floor-to-ceiling tiled shower. The spacious walk-in closet conveniently leads to the laundry room. Delight in modern conveniences including stainless steel appliances, a pot filler above the range, a 7-foot kitchen island, and a Butler pantry. Luxury vinyl plank flooring and lofty 10-foot ceilings accentuate the main living area's allure. Additional features include a 2-car garage with a brick paver driveway, a mudroom, irrigation system, and a covered back patio complete with a ceiling fan. Experience the epitome of luxury living in one of the beaches most sought-after communities!

Full Property Details for 3515 Cottage Cove Ln

General

  • Price: $584,900
  • Taxes: $922 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 782559
  • Updated: 1/1/2026
  • Added to Site: 40 day(s) ago

Interior

  • Number of Rooms: 4
  • Appliances: Bar Fridge, Electric Oven, Electric Water Heater, Gas Cooktop, Gas Range
  • Flooring: Luxury Vinyl Plank

Rooms

Bathrooms

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

Bedrooms

  • Total Bedrooms: 4

Additional Information

  • Shared Amenities: Other, See Remarks, Gated, Barbecue
  • Pool: Yes
  • Pool Description: In Ground, Community
  • Security/Safety: Security Gate, Gated Community, Security Fence

Exterior

  • Porch/Patio/Deck: Covered, Open, Patio, Porch

Parking

  • Garage: Yes
  • Garage Spaces: 2

Location

  • County: Bay
  • Subdivision: Sanctuary Beach
  • Driving Directions: Magnolia Beach Rd to delwood to the end go right to gate

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: Central, Electric, ENERGY STAR Qualified Equipment

Utilities

  • Sewer: Public Sewer
  • Utility Description: Cable Connected

Structural Information

  • Architectural Style: Bungalow
  • Construction: HardiPlank Type, Wood Frame
  • Roof: Shake
  • Stories/Levels: 2
  • Sq. Ft. Source: Plans
  • Year Built: 2024

Lot Features

  • Lot Size (Acres): 0.09
  • Lot Size (Sq. Ft.): 3,920
  • Lot Size: .09
  • Lot Dimensions: 40 x 80
  • Lot Features: Sprinkler System, Paved
  • Zoning: Resid Single Family

Financial Considerations

  • Tax Amount: $922
  • Tax Year: 2024

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: SANCTUARY BEACH LOT 4 BLK B ORB 2721 P 531
  • Property ID: 31368-120-000

Listed by Emerald Coast Realty Group

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Listing agent

— 3515 Cottage Cove Ln —

  • Emerald Coast Realty Group

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 3515 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
9-127.3 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 3515 Cottage Cove Ln Get Price Alerts and Save Property

Date
Details
Price
Change
Source
12/10/2025
Listed
$584,900
557.19%
MLS
11/17/2023
Sold
$89,000
—
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 3515 Cottage Cove Ln

Year
Property Taxes
Change
Tax Assessment
Change
2024
$922
35%
$75,066
7%
2023
$683
33%
$70,167
37%
2021
$515
-5%
$51,213
-8%
2022
$541
5%
$55,733
27%
2021
$515
20%
$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 3515 Cottage Cove Ln

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

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listed by Emerald Coast Realty Group

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3515 Cottage Cove Lane, Panama City, FL 32408 (MLS# 782559) is a Single Family property with 4 bedrooms, 2 full bathrooms and 1 partial bathroom. 3515 Cottage Cove Lane is currently listed for $584,900 and was received on December 10, 2025. Want to learn more about 3515 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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