4 Beds
3 Baths
2,254 sqft
$645,000
3522 Cottage Cove Lane, Panama City Beach FL, 32408
Price per sqft$286.16
Built in2022
Property size2,254 sqft
Property typeResidential
Overview
Active
Listed Jun 5, 2026
Updated 2 weeks ago
***VA ASSUMABLE LOAN at 5.375***
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.
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.
$4,291/mo
Est. mortgage payment based on a $645,000 home price.
All estimates are provided by Luxury Presence for informational purposes only. Actual amounts may vary.
Additional information
- MLS® ID
- 790845
Interior Features
- Bedrooms
- 4
- Bathrooms
- 3
- Cooling
- Yes
- Heating
- Yes
- Basement
- No
Exterior Features
- Lot Size
- 0.09 Acres
Other Property Details
- Taxes
- $6,232
- Tax Frequency
- Annually
- Association Fee Frequency
- Quarterly
- Garage
- Yes
Courtesy of Keller Williams Success Realty, Kelly Flanagan,
Listing Contact: 678-898-1665
All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Local Insight Realty shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.
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