Ad #7833702
MLS #790845
Quietly tucked away in the gated community of Sanctuary Beach
3522 Cottage Cove Ln, Panama City Beach, FL 32408
$670,000
4Beds
3Baths
2,254Sqft
0.09Acres
About this property
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 buyersbining 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.
Property Features
4 Beds
3 Baths
2,254 Sqft
Built in 2022
0.09 Acres
2 Stories
Bay Point Resort Golf Club
On Golf Course
Siding: HardiplankType
Composition, Shingle Roof
Electric (Heating)
$6,232 / yr property tax
Bay County
Sanctuary Beach Community
Additional Photos
Contact Information
Kelly Flanagan
Keller Williams Success Realty
678-898-1665
Location
Listing Agent: Kelly Flanagan (License #: SL3395533) 678-898-1665
Broker: Keller Williams Success Realty 850-249-0313 Listing Site
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.
Broker: Keller Williams Success Realty 850-249-0313 Listing Site
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.
GolfHomes.com
Printed Aug 11, 2026
Photo Gallery
$670,000
4
Beds
3
Baths
2,254
Sqft
3522 Cottage Cove Ln, Panama City Beach, FL 32408
By contacting this agent you agree to these Terms and Conditions.
MLS# 790845
Quietly tucked away in the gated community of Sanctuary Beach
$670,000
3522 Cottage Cove Ln, Panama City Beach, FL 32408
4
Beds
3
Baths
2,254
Sqft
0.09
Acres
$670,000
3522 Cottage Cove Ln, Panama City Beach, FL 32408
4 Beds
3 Baths
2,254 Sqft
0.09 Acres
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 buyersbining 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.
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Property Details
HOME DETAILS
4 Beds
3 Baths
2,254 Sqft
Built in 2022
0.09 Acres
2 Stories
GOLF COURSE & VIEW
Bay Point Resort Golf Club
On Golf Course
EXTERIOR
Siding: HardiplankType
Composition, Shingle Roof
INTERIOR
Electric (Heating)
FINANCIAL & COMMUNITY
$6,232 / yr property tax
Bay County
Sanctuary Beach Community
See More Details
Location
Mortgage Calculator
Ad Statistics
Ad Number
7833702
Viewed
42 times
Listing Status
Active
Added
Jun 05, 2026
Last Refreshed
Jul 03, 2026 06:17:28 PM
Listing Information
Data Source
Central Panhandle Association of REALTORS
Source Property ID
790845
Listing Agent: Kelly Flanagan (License #: SL3395533) 678-898-1665
Broker: Keller Williams Success Realty 850-249-0313 Listing Site
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.
Broker: Keller Williams Success Realty 850-249-0313 Listing Site
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.
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