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$568,999 Just Listed

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • Updated 2 days ago
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Welcome to 3515 Cottage Cove Lane, a beautifully designed home tucked inside the gated community of Sanctuary Beach. This Custom Built Home offering 4 bedrooms, 3.5 baths and 2,340 square feet, this home combines modern finishes, thoughtful design and a peaceful coastal setting just moments from St. Andrews Bay. The open-concept main living area features soaring 10-foot ceilings, luxury vinyl plank flooring and an inviting layout ideal for both everyday living and entertaining. The kitchen is a standout with quartz countertops, soft-close cabinetry, stainless steel appliances, a large island, pot filler and spacious butler's pantry. Upstairs, the primary suite offers a private retreat with double vanities, an oversized floor-to-ceiling tiled shower and a generous walk-in closet with convenient access to the laundry room. Additional bedrooms and flexible living space provide plenty of room for family, guests or a home office. Outside, enjoy a covered back patio overlooking a peaceful natural backdrop with no neighbors directly behind the home. A two-car garage, brick paver driveway, mudroom and irrigation system add to the home's functionality and curb appeal. Sanctuary Beach offers a quiet, gated atmosphere with a community pool and access toward the shores of St. Andrews Bay, all while keeping you convenient to marinas, boating, dining, shopping and everything the Panama City Beach area has to offer. 3515 Cottage Cove Lane delivers the perfect combination of privacy, coastal lifestyle and modern comfort.

Full Property Details for 3515 Cottage Cove Ln

General

  • Price: $568,999
  • HOA FEE: $169/month
  • HOA FEE FREQ.: Quarterly
  • Taxes: $6,943 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 795000
  • Updated: 9/3/2026
  • Added to Site: 2 day(s) ago

Interior

  • Number of Rooms: 4
  • Interior Features: Double Vanity, Interior Steps, Separate Shower, Tub Shower, Upper Level Primary, Walk-In Closet(s)
  • Appliances: Electric Range

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3

Bedrooms

  • Total Bedrooms: 4

Additional Information

  • Shared Amenities: Gated
  • Pool: Yes
  • Pool Description: In Ground, Community
  • Security/Safety: Security Gate

Exterior

  • Porch/Patio/Deck: Covered, Porch

Parking

  • Garage: Yes
  • Garage Spaces: 2

Location

  • County: Bay
  • Subdivision: Sanctuary Beach
  • Driving Directions: turn onto Magnolia Beach Road and continue approximately 2.7 miles. Turn right onto Delwood Beach Road and continue to the gated entrance of Sanctuary Beach. After entering the community, take the first right onto Cottage Cove Lane.

School Information

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

Community

  • Community Name: 03 - Bay County - Beach
  • Association: Yes
  • Assoc. Fees Include: Legal/Accounting, Pool(s)

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

Structural Information

  • Architectural Style: Coastal
  • Construction: HardiPlank Type
  • Roof: Shingle
  • 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

Financial Considerations

  • Association Fee: $508
  • Assoc Fee Freq.: Quarterly
  • Tax Amount: $6,943.72
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: SANCTUARY BEACH LOT 4 BLK B ORB 4749 P 1833
  • Property ID: 31368-120-000

Listed by Think Real Estate

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— 3515 Cottage Cove Ln —

  • Think Real Estate

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NMLS#: 1598647

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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 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
9/03/2026
Listed
$568,999
539.32%
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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*These costs are estimates, and the interest rates assume exceptional credit standing.

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NMLS#: 1598647

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3515 Cottage Cove Lane, Panama City, FL 32408 (MLS# 795000) is a Single Family property with 4 bedrooms and 3 full bathrooms. 3515 Cottage Cove Lane is currently listed for $568,999 and was received on September 03, 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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