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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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3519 Cottage Cove Ln , Panama City Beach, FL 32408
$399,900
Est. Payment: $2,209.39/mo
3 Bed
3 Bath
1765 Sqft
0.08 Acres
Status: Active | Days on site: 237
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DROFEC - B10758,B12593
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to 3519 Cottage Cove Lane at Sanctuary Beach in Panama City Beach, Florida. This pre-construction homesite offers the opportunity to secure new construction prior to groundbreaking. This property will be developed with the Norfolk floor plan and built to current design standards and specifications. Buyers may have the ability to personalize select finishes depending on the stage of construction. Estimated completion timelines and build details available upon request. This home features bright entry hall leading to the main living area. Garage access is conveniently located off the entry hall as well as a half bath. The living area has an open kitchen with peninsula bar and space for seating. EVP flooring is throughout the main level in all common and wet areas while each bedroom has carpet. White cabinetry is complemented by quartz countertops, and the kitchen will have appliances including a stove, microwave and dishwasher. All bedrooms are upstairs, and the primary bedroom is located just off the landing overlooking the back of the home. It is perfect retreat and has a large closet and private ensuite bathroom with a large soak tub and separate shower as well as a dual sink vanity. The two additional bedrooms share a Jack and Jill bathroom with separate single sink vanities and a combination shower tub. The additional bedrooms are spacious and feature large closets for storage.

Highlights

Listed by Pamela K Hawkins , 850-641-7679 and Paul Hanlon , 850-517-7705 DR Horton Realty of Emerald Coast, LLC , 850-660-1701. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.08

HOA Fee

2163 Annually

Year Built

2026

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Sanctuary Beach

Listing ID

785018

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Water Heater, Gas Range, Plumbed For Ice Maker, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Interior Steps, Smart Home, Soaking Tub, Separate Shower, Smart Thermostat, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:40x80
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Patio, Rain Gutters
Parking Features:Garage,Garage Door Opener
Principal Interest
$2,209
Taxes
$255
HOA
$2,163

Home Price

$399,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$79,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,209.39

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,209.39 $254.94 $2,163.00 $4,627.33
Yearly $26,512.68 $3,059.24 $25,956.00 $55,527.91
Total $795,380.36 $91,777.05 $778,680.00 $1,665,837.41

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Panama City Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS