




3533 Cottage Cove Ln, Panama City Beach, FL, 32408
About This Home
Welcome to 3533 Cottage Cove Lane located in tranquil Sanctuary Beach. This home is a resale. This floor plan features two stories with three bedrooms and two and a half bathrooms. The exterior of this home features a covered front porch on the main level and a covered balcony off the primary bedroom on the second level. The kitchen is open to the dining and living areas and features a peninsula bar with space for seating. There is an appointed dining area that is surrounded with windows allowing for an abundance of natural light to filter through. Traditional 9' ceilings grace the living area which opens to the covered back porch where you can spend your mornings and evenings enjoying your coffee or beverage. The main level serves as the heart of the home with plenty of space and a powder room located just off the entry. EVP flooring is throughout the main level of the home, and the kitchen has been updated with an appliance package which includes, a stove, microwave, dishwasher, washer and dryer and refrigerator. Elegant 3 cm quartz countertops are complemented by the white upper and lower cabinetry. The stairs leading to the second level are accessible from the living area and lead to all three bedrooms. As you reach the second level you are met with a landing with laundry area and shared bathroom. Two bedrooms are located at the back of the home and have spacious closets. The Primary bedroom is located overlooking the front lawn and has a private ensuite bathroom. Two large closets are located in the primary bedroom and offer plenty of space for your wardrobe needs. The primary bathroom has the feel of a private oasis with a soak tub and a separate shower. The dual sink vanity offers lower cabinetry for storage. From the primary bedroom you have access to a private balcony where you can enjoy your mornings. Outside you will find a covered back patio and a privacy fence.
Getting Around
Schools
Construction
Condition
- Year built: 2025
Materials
- Roof: Shingle
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Electric Range,Plumbed For Ice Maker
Bedroom
- Level: Second
- Dimensions: 15.7 x 14.2
Bedroom
- Level: Second
- Dimensions: 12.6 x 11.6
Bedroom
- Level: Second
- Dimensions: 12.6 x 12.4
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: First
- Dimensions: 9.8 x 9
Features
- Interior Steps,Smart Thermostat
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 1,846
- Total interior livable area: 1,846 sqft
Kitchen
- Level: First
- Dimensions: 11.1 x 12.2
Living Room
- Level: First
- Dimensions: 15.5 x 15.2
Property
Details
- Parcel number: 31368117000
Features
- Pool features: Community
- Patio & porch: Covered,Patio
- Fencing: Fenced
Lot
- Features: Paved
- Lot size dimensions: Irregular
Parking
- Total spaces: 1
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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 | $2,376 | $28,512 |
| Home Insurance * | $646 | $7,752 |
| Property Taxes | $626 | $7,512 |
| Electricity | $197 | $2,366 |
| Total | $3,845 | $46,140 |
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 |
|---|---|---|
| 2026-03-17 | Price change | $469,900 |
| 2025-09-30 | Listed for sale | $557,350 |
| 2025-07-08 | Sold | $557,350 |
| 2025-03-31 | Sold | $557,350 |
| 2025-03-30 | Pending sale | $557,350 |
For Sale by Agent
