3522 Cottage Cove Ln, Panama City Beach, FL, 32408
About This Home
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. 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.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2022
Materials
- Foundation: Slab
- Roof: Composition,Shingle
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Cooktop,Tankless Water Heater
Bedroom
- Level: Second
- Dimensions: 12 x 12
Bedroom
- Level: Second
- Dimensions: 10 x 14
Bedroom
- Level: Second
- Dimensions: 10 x 15
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Coffered Ceiling(s),Double Vanity,Interior Steps,Main Level Primary,Walk-In Closet(s)
Heating & Cooling
- Heating features: Electric
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 2,254
- Total interior livable area: 2,254 sqft
Living Room
- Level: First
- Dimensions: 20 x 15
Master Bathroom
- Level: First
- Dimensions: 17 x 15
Property
Details
- Parcel number: 31368106000
- Zoning description: Resid Single Family
- Special condition: Listed As-Is
Features
- Levels: Two
- Stories: 2
- Pool features: Community
- Patio & porch: Covered,Porch
- Fencing: Full,Fenced
Lot
- Lot size: 3,920 sqft
- Lot size dimensions: 40 x 100
Parking
- Total spaces: 2
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Coastal Flooding
- Lightning
- Tornado
- Cold Wave
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Bay County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,387 | $40,644 |
| Home Insurance * | $922 | $11,064 |
| Property Taxes | $621 | $7,452 |
| Electricity | $226 | $2,722 |
| Total | $5,156 | $61,872 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Price change | $660,000 |
| 2026-06-15 | Price change | $670,000 |
| 2026-06-05 | Listed for sale | $690,000 |
| 2023-06-30 | Sold | $625,000 |
| 2023-05-15 | Pending sale | $650,000 |
| 2023-02-22 | Price change | $650,000 |
| 2022-11-08 | Price change | $680,000 |
| 2022-10-20 | Listed for sale | $700,000 |
| 2020-12-01 | Sold | $65,000 |
| 2020-10-06 | Listed for sale | $69,500 |
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