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Harrison Lilly Team

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

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3513 Cottage Cove Ln , Panama City, FL 32408
$549,900
Est. Payment: $3,038.12/mo
4 Bed
3 Bath
2314 Sqft
0.07 Acres
Status: Active | Days on site: 119
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SREL - B6174
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to this beautifully appointed 4-bedroom, 2.5-bathroom home located in the highly sought-after gated community of Sanctuary Beach. Designed with both comfort and style in mind, this home features luxury vinyl plank flooring throughout, recessed lighting, and an open-concept layout perfect for everyday living and entertaining.The heart of the home is the spacious kitchen, showcasing an oversized island overlooking the living area, complete with an electric fireplace. Enjoy premium finishes including stainless steel appliances, a gas range, quartz countertops, and shaker-style soft-close cabinetry. Just off the kitchen, you'll find a convenient butler's pantry featuring a wine cooler, providing additional storage and entertaining space. A well-positioned half bath is also located on the main floor for guests.Upstairs, the spacious primary suite offers a relaxing retreat with a double vanity, a stunning floor-to-ceiling tiled walk-in shower, and a generous walk-in closet that conveniently connects directly to the laundry room. Three additional bedrooms and a full bathroom complete the second level. Furniture may be negotiable for interested buyers and can be included with an acceptable offer. Step outside to enjoy the covered back patio overlooking the backyard, perfect for relaxing or hosting gatherings. Ideally situated just a short walk from the community pool and only minutes from the white sandy beaches of Panama City Beach, this home offers the perfect combination of luxury, convenience, and coastal living.

Highlights

Listed by Zack Seltzer , 850-235-0578 Seltzer Real Estate, LLC , 850-235-0578. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.07

HOA Fee

454 Quarterly

Year Built

2024

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Sanctuary Beach

Listing ID

791052

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Gas Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Interior Steps, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:40x80
Zoning:Resid Single Family
Roof:Shingle
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$3,038
Taxes
$539
HOA
$454

Home Price

$549,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$109,980
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:
$3,038.12

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,038.12 $539.00 $454.00 $4,031.12
Yearly $36,457.42 $6,468.00 $5,448.00 $48,373.42
Total $1,093,722.59 $194,040.00 $163,440.00 $1,451,202.59

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, 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