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$574,000 Just Listed

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 2 Full Baths
  • 1 Partial Bath
  • Updated 3 days ago
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4 bedroom, 2 1/2 bath new construction home in the quiet, serene, gated community of Sanctuary Beach. Conveniently located steps from St Andrews Bay, close to Bay Point Golf Club and the area's largest marinas serving access to the Gulf, the Naval Dive School (NSA), shopping and fine dining. Location, location, location! This 2340 sq ft home has the desired open kitchen, dining and living area perfect for entertaining and all located on the main floor of the home. There are 10-foot ceilings and durable, low maintenance wood-look LVP flooring along with the convenience of a 1/2 bath. The kitchen has a large Butler pantry, quartz counter tops, gas stove top with a pot filler, ship lapped island and exhaust hood. Upstairs you will find the 4 bedrooms and 2 full baths, both with double vanities. There is also bonus/flex space of over 130 sq. ft. that separates the master suite from the other bedrooms. Master bath has a beautiful large, tiled shower and a walk-in closet. Finally, there is a 2-car garage consisting of over 422 sq. ft. No neighbors behind the home add to the peace and quiet offered by the neighborhood. Sanctuary Beach has a community pool and a trail that leads to the shores of St Andrews Bay. It is conveniently located next to all that Panama City Beach has to offer yet is quietly tucked away from the crowds and traffic. Home is empty and easy to show!

Full Property Details for 3515 Cottage Cove Ln

General

  • Price: $574,000
  • Taxes: $6,944 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 787680
  • Updated: 3/31/2026
  • Added to Site: 4 day(s) ago

Interior

  • Number of Rooms: 7
  • Interior Features: Interior Steps, Pantry
  • Appliances: Bar Fridge, Electric Oven, Gas Cooktop
  • Flooring: Luxury Vinyl Plank

Rooms

Bathrooms

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

Bedrooms

  • Total Bedrooms: 4

Additional Information

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

Exterior

  • Porch/Patio/Deck: Covered, Patio

Parking

  • Garage: Yes
  • Garage Spaces: 2
  • Parking Features: Garage, Garage Door Opener

Location

  • County: Bay
  • Subdivision: Sanctuary Beach
  • Driving Directions: From Navy Blvd (Thomas Dr.) head South to Magnolia Beach Rd and turn left. Continue for 2.7 miles to Delwood Dr and turn right. Enter Sanctuary Beach through gate (code required). In 350 feet turn right on Cottage Cove Ln and house will be on the left.

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), ENERGY STAR Qualified Equipment
  • Heating Type: Central, ENERGY STAR Qualified Equipment

Utilities

  • Sewer: Public Sewer
  • Utility Description: Underground Utilities

Structural Information

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

Lot Features

  • Lot Size (Acres): 0.07
  • Lot Size (Sq. Ft.): 3,049
  • Lot Size: .07
  • Lot Dimensions: 40 x 80
  • Lot Features: Sprinkler System, Paved
  • Zoning: Resid Single Family

Financial Considerations

  • Tax Amount: $6,944
  • Tax Year: 2025

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 Berkshire Hathaway HomeServices Beach Properties of Florida

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— 3515 Cottage Cove Ln —

  • Berkshire Hathaway HomeServices Beach Properties of Florida

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NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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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 ATTOM Data Solutions 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
3/31/2026
Listed
$574,000
544.94%
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
—
$560,349
646%
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.

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Listed by Berkshire Hathaway HomeServices Beach Properties of Florida

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3515 Cottage Cove Lane, Panama City, FL 32408 (MLS# 787680) is a Single Family property with 4 bedrooms, 2 full bathrooms and 1 partial bathroom. 3515 Cottage Cove Lane is currently listed for $574,000 and was received on March 31, 2026. 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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