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Harrison Lilly

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

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3533 Cottage Cove Ln , Panama City Beach, FL 32408
$469,900
Est. Payment: $2,383.24/mo
3 Bed
3 Bath
1846 Sqft
Status: pending | Days on site: 316
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

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.

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

HOA Fee

454 Quarterly

Year Built

2025

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Sanctuary Beach

Listing ID

779758

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Range, Plumbed For Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Interior Steps, Smart Thermostat

Exterior Features

Lot:Paved
Lot Dimensions:Irregular
Roof:Shingle
Sewer:Public Sewer
Principal Interest
$2,383
Taxes
$300
HOA
$454

Home Price

$469,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$93,980
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:
$2,383.24

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,383.24 $299.56 $454.00 $3,136.81
Yearly $28,598.93 $3,594.74 $5,448.00 $37,641.66
Total $857,967.89 $107,842.05 $163,440.00 $1,129,249.94

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS