# 3522 Cottage Cove Lane, Panama City Beach, FL 32408

> **TL;DR:** 4bd/3ba single family, $690,000 ($306/sqft), built 2022, 2,254 sqft.
> A/C. Est. $2,990/mo. Listed 1 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $690,000 |
| Price/sqft | $306 |
| Bedrooms | 4 |
| Bathrooms | 2 full, 1 half |
| Square Feet | 2,254 |
| Year Built | 2022 |
| Lot Size | 3,920 sqft (0.09 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 1 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $2,990 |
| **Total** | **$2,990** |

## Nearby Schools

- **Elementary:** Patronis
- **Middle:** Surfside
- **High:** Arnold

## Key Amenities

- A/C

## Property Highlights

- Built in 2022
- 0.09 acre lot
- 2 stories

## Description

### Agent Description
Quietly tucked away in the gated community of Sanctuary Beach, this beautifully upgraded 4-bedroom, 2.5-bath home 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. As an added bonus, the seller is offering a VA assumable loan at 5.375% opportunity for qualified buyers. 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.

## Location

- **Address:** 3522 Cottage Cove Lane, Panama City Beach, FL 32408
- **County:** Bay
- **Neighborhood:** Sanctuary Beach
- **Coordinates:** 30.143474, -85.716671
- **Google Maps:** https://www.google.com/maps?q=30.143474,-85.716671

## Listing Agent

- **Name:** Kelly Flanagan
- **Brokerage:** Keller Williams Success Realty
- **Phone:** 6788981665
- **Email:** kellyflan3@yahoo.com

## Primary Photo

![3522 Cottage Cove Lane - Primary Photo](http://lh.rdcpix.com/dc900f893b1048dfb0e012ae22278b55l-f3899225127r.jpg)

*46 total photos available on [listing page](https://www.propertysimple.com/listing/3522-cottage-cove-lane-panama-city-beach-fl-32408-l790845)*

---

**MLS#:** 790845 | **Updated:** 2026-06-19
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.com/listing/3522-cottage-cove-lane-panama-city-beach-fl-32408-l790845)

---

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