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About This Home

This 4-bedroom, 3-bathroom single family at 3511 Cottage Cove Lane in Panama City, FL is listed for $599,000 ($252 per sqft). Built in 2021, the home offers 2,375 sqft of living space on a 0.08 acres lot.

Agent Description

LOWEST PRICED PER SQUARE FOOT CUSTOM HOME IN SANCTUARY BEACH! Beautifully crafted and impeccably maintained, this 4-bedroom Craftsman home in the highly sought-after Sanctuary Beach subdivision offers the perfect blend of timeless design, modern upgrades, and coastal convenience.

Move-in ready and thoughtfully enhanced throughout, this residence delivers both comfort and sophistication in a serene, wooded setting. Ideally positioned within the community, the home is just moments from the neighborhood pool and approximately 1/4 mile to the nearest beach access, making it easy to enjoy the best of the Emerald Coast lifestyle.

Inside, the open-concept floor plan is filled with natural light and elevated by white oak flooring, soaring ceilings, and expansive windows. The chef's kitchen is a true centerpiece, featuring white cabinetry, marble countertops, a shiplap and cedar backsplash, breakfast bar, upgraded stainless steel appliances, and a ZLINE commercial-grade range with six gas burners, electric oven, and vent hood.

A spacious butler's pantry adds both function and style. The main living and dining areas are designed for effortless entertaining, highlighted by a vaulted ceiling and 8-foot folding French doors that open to an oversized patio and backyard perfect for seamless indoor-outdoor living.

The main-level primary suite offers a private retreat, complete with reclaimed 9-foot barn doors, a spa-inspired bathroom with marble flooring, a large glass-enclosed shower, double vanities, a freestanding soaking tub, and an expansive custom walk-in closet.

Upstairs, you'll find three generously sized bedrooms, a full bath with tiled tub/shower and double vanity, and a spacious laundry room with additional storage and natural light. A convenient powder room is located on the main floor for guests. Additional features include full insulation of all interior and exterior walls, blown-in ceiling insulation for enhanced energy efficiency, a paver driveway, and an attached two-car garage.

Located near a Jack Nicklaus-designed golf course, multiple marinas, St. Andrews State Park, and an array of dining and entertainment options, this home offers both tranquility and accessibility. This exceptional property captures the essence of Sanctuary Beach living, schedule your private showing today.

Key Features

  • Built in 2021
  • 0.08 acre lot

Property Details

2 full, 1 half
2021

Amenities

A/C

Monthly Cost Estimate

$3,204/mo

20% down · 6.5% · 30 years

Principal$433
Interest$2,596
Insurance$175

Estimates only. Actual payments may vary.

Location

3511 Cottage Cove Lane

Panama City, FL 32408

Sanctuary Beach

Features & Amenities

Interior Features

InteriorStepsSmartHome

Exterior Features

RainGutters

Property Details

Construction

AluminumSiding HardiplankType VinylSiding WoodFrame

Pool Features

PatioPorch

Heating

CentralElectric (Heating)

Cooling

Ceiling Fan(s)Central Air

Appliances

EnergyStarQualifiedAppliancesGasRangeGasWaterHeaterTanklessWaterHeater

Questions & Answers

This 4-bedroom, 3-bathroom single family at 3511 Cottage Cove Lane is listed at $599,000 ($252/sqft). The estimated monthly payment is $2,596 based on 20% down at 6.5% interest.

Key features include: Built in 2021, 0.08 acre lot. Interior Features: InteriorSteps, SmartHome. Exterior Features: RainGutters.

This property is listed by Mike S Herring and can be reached at 8503210917 or mherringrealestate@gmail.com.

MH

Mike S Herring

Agent at Keller Williams Realty Emerald

(850) 321-0917

Listed by Keller Williams Realty Emerald · View on Broker Site

MLS# 788277· Source: listhub· Updated 49 days ago

Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

3511 Cottage Cove Lane, Panama City, FL 32408

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