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Pending
    • Price increase: $5K (7/28)
    $419,900

    3528 Cottage Cove Ln, Panama City Beach, FL 32408

    3beds
    1,765sqft
    : 
    $2,850/mo
    Get pre-qualified
    Single Family Residence
    Built in 2025
    3,049 Square Feet Lot
    $432,600 Zestimate®
    $238/sqft
    $180/mo HOA

    What's special

    Peninsula barLarge closets for storageJack and jill bathroomLarge soak tubInterior lotGrand entry foyerSeparate shower
    Welcome to 3528 Cottage Cove Lane, a new home at Sanctuary Beach in Panama City Beach Florida. This home is under construction and is situated on an interior lot. It features a grand entry foyer with stairs leading to the second level bedrooms and a hall leading to the spacious downstairs living area. The foyer offers a coat closet and garage access just off the entry and a powder room. As you enter the open living area you will find an open kitchen with peninsula bar and space for bar seating. The dining area is spacious and looks over to the living area. The main living area serves as the heart of the home, as all bedrooms are on the second level. The stairs located off the foyer lead to a second level landing and hall with all bedrooms and a laundry area. The primary bedroom is located just off the landing and overlooks the back of the home. This space is the 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. Leaving the primary bedroom, you will find two additional bedrooms that feature a Jack and Jill bathroom with separate single sink vanities and a shower tub combination. The additional bedrooms are spacious and feature large closets for storage. Give us a call today to see this beautiful new home in the gated community of Sanctuary Beach!
    541 days
    |
    163
    |
    6
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Pamela K Hawkins 850-641-7679,

    DR Horton Realty of Emerald Coast, LLC,

    Paul Hanlon 850-517-7705,

    DR Horton Realty of Emerald Coast, LLC

    Source: CPAR,MLS#: 769771MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Bedroom, Dining Room, Kitchen, Living Room, Primary Bedroom
      Primary bedroom
      • Level: Second
      • Dimensions: 13 x 14
      Bedroom
      • Level: Second
      • Dimensions: 12 x 11
      Bedroom
      • Level: Second
      • Dimensions: 12 x 11
      Dining room
      • Level: First
      • Dimensions: 10 x 11
      Kitchen
      • Level: First
      • Dimensions: 15 x 11
      Living room
      • Level: First
      • Dimensions: 12 x 16
      Heating
      • Central, Electric
      Cooling
      • Central Air, Ceiling Fan(s)
      Appliances
      • Included: Electric Oven, Electric Water Heater, Gas Range, Plumbed For Ice Maker, Tankless Water Heater
      Features
      • Double Vanity, Interior Steps, Smart Home, Soaking Tub, Separate Shower, Smart Thermostat, Upper Level Primary, Walk-In Closet(s)
      Interior area
      • Total structure area: 1,765
      • Total interior livable area: 1,765 sqft

      Property

      Parking
      • Total spaces: 1
      • Parking features: Garage, Garage Door Opener
      • Garage spaces: 1
      Accessibility
      • Accessibility features: Smart Technology
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Patio, Covered, Porch
      • Exterior features: Patio, Rain Gutters
      • Pool features: Community
      Lot
      • Size: 3,049 Square Feet
      • Features: Sprinkler System
      Details
      • Parcel number: 31368103000
      • Zoning description: Resid Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Contemporary
      • Property subtype: Single Family Residence
      Materials
      • HardiPlank Type, Wood Frame
      • Foundation: Slab
      • Roof: Composition,Shingle
      Condition
      • New construction: Yes
      • Year built: 2025

      Utilities & green energy

      • Utilities for property: Electricity Available

      Community & HOA

      Community
      • Features: Pool, Community Pool, Gated, Short Term Rental Allowed
      • Security: Carbon Monoxide Detector(s), Gated Community, Smoke Detector(s)
      • Subdivision: Sanctuary Beach
      HOA
      • Has HOA: Yes
      • Services included: Association Management
      • HOA fee: $2,163 annually
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $238/sqft
      • Tax assessed value: $75,066
      • Annual tax amount: $684
      • Date on market: 3/5/2025
      • Cumulative days on market: 542 days
      • Electric utility on property: Yes

        Estimated market value

        $432,600

        $389,000 - $476,000

        $2,818/mo

        Price history

        DateEventPrice
        8/19/2026Pending sale$419,900$238/sqft
        Source: CPAR #769771 Report a problem
        7/28/2026Price change$419,900+1.2%$238/sqft
        Source: CPAR #769771 Report a problem
        7/13/2026Price change$414,900-1%$235/sqft
        Source: CPAR #769771 Report a problem
        6/2/2026Price change$418,900+0.8%$237/sqft
        Source: CPAR #769771 Report a problem
        5/15/2026Price change$415,750+4.5%$236/sqft
        Source: CPAR #769771 Report a problem
        5/1/2026Price change$397,998-3.6%$225/sqft
        Source: CPAR #769771 Report a problem
        4/3/2026Price change$412,998+0.8%$234/sqft
        Source: DR Horton Report a problem
        3/25/2026Price change$409,900-0.4%$232/sqft
        Source: DR Horton Report a problem
        3/13/2026Price change$411,502-2%$233/sqft
        Source: CPAR #769771 Report a problem
        2/23/2026Price change$419,900+1.2%$238/sqft
        Source: CPAR #769771 Report a problem
        2/16/2026Price change$414,900-1.2%$235/sqft
        Source: CPAR #769771 Report a problem
        2/4/2026Price change$419,900-0.7%$238/sqft
        Source: CPAR #769771 Report a problem
        1/23/2026Price change$423,000+2%$240/sqft
        Source: CPAR #769771 Report a problem
        12/5/2025Price change$414,900-6.2%$235/sqft
        Source: DR Horton Report a problem
        11/26/2025Price change$442,337+4.7%$251/sqft
        Source: CPAR #769771 Report a problem
        11/20/2025Price change$422,337+3%$239/sqft
        Source: CPAR #769771 Report a problem
        11/18/2025Price change$409,900-6.3%$232/sqft
        Source: CPAR #769771 Report a problem
        11/10/2025Price change$437,400-0.6%$248/sqft
        Source: CPAR #769771 Report a problem
        11/4/2025Price change$439,900-3.8%$249/sqft
        Source: CPAR #769771 Report a problem
        10/29/2025Price change$457,500+1.4%$259/sqft
        Source: CPAR #769771 Report a problem
        10/22/2025Price change$451,100-0.4%$256/sqft
        Source: CPAR #769771 Report a problem
        10/16/2025Price change$453,000-4.6%$257/sqft
        Source: CPAR #769771 Report a problem
        10/2/2025Price change$474,900-2.8%$269/sqft
        Source: DR Horton Report a problem
        9/25/2025Price change$488,685-2.4%$277/sqft
        Source: CPAR #769771 Report a problem
        9/23/2025Listed for sale$500,574$284/sqft
        Source: DR Horton Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$684 +5.9%$40,923 +10%
        2023$646 +26.2%$37,203 +10%
        2022$512 $33,821
        2021-- --
        2020$383 +22%$27,951 +10%
        2019$314 $25,410 +10%
        2018$314 +3.2%$23,100 +10%
        2017$304 +14.8%$21,000
        2016$265 -4.5%$21,000
        2015$277 $21,000
        2014$277 $21,000
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: Upper Grand Lagoon

        Getting around

        8 / 100
        Car-Dependent
        46 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Patronis
        • Middle: Surfside
        • High: Arnold

        Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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