For Sale
Single family home for sale at 3513 Cottage Cvs Ln, Panama City, FL 32408 | MLS# 791052 | Listing updated on 2026-10-06
Photo 1 of Single family home for sale at 3513 Cottage Cvs Ln, Panama City, FL 32408 | MLS# 791052 | Listing updated on 2026-10-06
Photo 2 of Single family home for sale at 3513 Cottage Cvs Ln, Panama City, FL 32408 | MLS# 791052 | Listing updated on 2026-10-06
Photo 3 of Single family home for sale at 3513 Cottage Cvs Ln, Panama City, FL 32408 | MLS# 791052 | Listing updated on 2026-10-06
Photo 4 of Single family home for sale at 3513 Cottage Cvs Ln, Panama City, FL 32408 | MLS# 791052 | Listing updated on 2026-10-06
63+
Beds Icon

Street View

$549,900

Monthly Est:$2,737

  • Beds Icon4 Beds
  • Beds Icon
    3 Baths
  • Beds Icon2,314sqft

3513 Cottage Cvs Ln, Panama City, FL 32408

$2,737/moEst:

Get Pre-Approved

  • Single Family Residence

  • Built in 2024

  • $151.33/mo HOA

  • 0.07 acre lot

  • $238/sq.ft

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.

  • Houzeo last checked: 7 minutes ago
  • Listing updated: October 6, 2026 at 10:52 pm
  • Listing Provided by: Zack Seltzer (850) 787-2035 | Seltzer Real Estate, LLC (850) 235-0578
  • Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 791052 Bay/Panama City/Central Panhandle MLS-FL

Property Details

  • Status

    Active

  • Type

    Single Family Residence

  • No. of Stories

    2

  • County

    Bay County

  • City

    Panama City

  • Neighborhood

    --

  • Year Built

    2024

  • HOA Fees

    $151.33/mo

  • Finished Area

    2,314 sqft

  • Lot Size

    0.07 acre lot

  • Basement Area

    - sqft

  • MLS Name

    Bay/Panama City/Central Panhandle MLS

  • MLS Number

    791052

  • MLS Status

    Active

  • Days on Market

    148

  • Cumulative Days on Market

    119

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Location

HOA Management

N/A

HOA Fees

$454/ Quarterly

Amenities

Amenities and services may be covered by one or multiple associations and service providers.

Security Gate Security Gate

Maintenance Maintenance

AssociationManagement AssociationManagement

Pools Pools

Disclaimer: Amenities are based on third-party information and may vary; buyers must independently verify all amenities, as information is deemed reliable but not guaranteed.

Facts & Features

Rooms

  • Bedrooms & bathrooms

    Bedrooms: 4

    Bathrooms: 3

Interior

  • Heating

    Electric

  • Cooling

    Central Air, Ceiling Fans

  • Sewer

    Public Sewer

  • Appliances

    Gas Range

  • Interior Features

    Double Vanity, Interior Steps, Walk In Closets

  • Flooring

    Plank, Vinyl

Construction

  • Year Built

    Year Built: 2024

  • Home type

    Single Family Residence

  • Foundation Details

    Slab

  • Architectural Style

    Craftsman

  • Construction Materials

    Hardiplank Type, Wood Frame

  • Roof

    Shingle

Utilities & Energy

  • Pool Features

    In Ground, Community

  • Security Features

    Gated Community, Security Gate, Smoke Detectors

  • Parking Features

    Gated

  • Utilities

    Electricity Available, Underground Utilities

  • Association Amenities

    Gated

Other Features

  • Patio And Porch Features

    Covered, Patio

  • Lot Features

    Sprinkler System

  • Subdivision Name

    Sanctuary Beach

  • Community Features

    Pool, Community Pool, Gated

Price History

DateEventPrice

08/05/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #791052

Price Decreased

$579,000 -3.34%

$250/sqft

06/09/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #791052

Listed for Sale

$599,000 +8.93%

$259/sqft

06/09/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #791052

Price Decreased

$549,900 -14.21%

$238/sqft

01/30/2025

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #763410

Price Decreased

$641,000 -1.30%

$277/sqft

12/11/2024

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #763410

Sold

$649,449

$281/sqft

Nearby Homes

Based on information from Central Panhandle Association of REALTORS® MLS through Nov 05, 2026, 12:00AM. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. ©2026 Bay Central Panhandle Association of REALTORS®

Advertising Broker: Moe Mossa (Savvy Avenue) | Savvy Avenue, LLC

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