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Single family home for sale at 3519 Cottage Cvs Ln, Panama City, FL 32408 | MLS# 785018 | Listing updated on 2026-11-02
Photo 1 of Single family home for sale at 3519 Cottage Cvs Ln, Panama City, FL 32408 | MLS# 785018 | Listing updated on 2026-11-02
Photo 2 of Single family home for sale at 3519 Cottage Cvs Ln, Panama City, FL 32408 | MLS# 785018 | Listing updated on 2026-11-02
Photo 3 of Single family home for sale at 3519 Cottage Cvs Ln, Panama City, FL 32408 | MLS# 785018 | Listing updated on 2026-11-02
Photo 4 of Single family home for sale at 3519 Cottage Cvs Ln, Panama City, FL 32408 | MLS# 785018 | Listing updated on 2026-11-02
3+
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Street View

$399,900

Monthly Est:$1,990

  • Beds Icon3 Beds
  • Beds Icon
    3 Baths
  • Beds Icon1,765sqft

3519 Cottage Cvs Ln, Panama City, FL 32408

$1,990/moEst:

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  • Single Family Residence

  • Built in 2026

  • $180.25/mo HOA

  • 0.08 acre lot

  • $227/sq.ft

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 pen
insula 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.

  • Houzeo last checked: 8 minutes ago
  • Listing updated: November 2, 2026 at 7:36 am
  • Listing Provided by: Pamela K Hawkins DRE #SL3486468, Paul Hanlon (850) 517-7705 DRE #SL3494040 | DR Horton Realty of Emerald Coast, LLC (850) 660-1701
  • Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 785018 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

    2026

  • HOA Fees

    $180.25/mo

  • Finished Area

    1,765 sqft

  • Lot Size

    0.08 acre lot

  • Basement Area

    - sqft

  • MLS Name

    Bay/Panama City/Central Panhandle MLS

  • MLS Number

    785018

  • MLS Status

    Active

  • Days on Market

    266

  • Cumulative Days on Market

    265

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Location

HOA Management

N/A

HOA Fees

$2,163/ Annually

Amenities

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

AssociationManagement AssociationManagement

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: 3

    Bathrooms: 3

  • Bedroom

    Level: Second

    Area: 132.00 Square Feet

    Dimensions: 12 x 11

  • Bedroom

    Level: Second

    Area: 132.00 Square Feet

    Dimensions: 12 x 11

  • PrimaryBedroom

    Level: Second

    Area: 182.00 Square Feet

    Dimensions: 13 x 14

  • DiningRoom

    Level: First

    Area: 110.00 Square Feet

    Dimensions: 10 x 11

  • Kitchen

    Level: First

    Area: 165.00 Square Feet

    Dimensions: 15 x 11

  • LivingRoom

    Level: First

    Area: 192.00 Square Feet

    Dimensions: 12 x 16

Interior

  • Flooring

    Plank, Vinyl

  • Interior Features

    Double Vanity, Interior Steps, Smart Home, Soaking Tub, Separate Shower, Smart Thermostat, Upper Level Primary, Walk In Closets

  • Exterior Features

    Patio, Rain Gutters

  • Appliances

    Electric Oven, Electric Water Heater, Gas Range, Plumbed For Ice Maker, Tankless Water Heater

  • Cooling

    Central Air, Ceiling Fans

  • Heating

    Central, Electric

Construction

  • Year Built

    Year Built: 2026

  • Home type

    Single Family Residence

  • Architectural Style

    Craftsman

  • Foundation Details

    Slab

  • Construction Materials

    Hardiplank Type, Wood Frame

  • Roof

    Composition, Shingle

Utilities & Energy

  • Security Features

    Carbon Monoxide Detectors, Gated Community, Smoke Detectors

  • Utilities

    Electricity Available

  • Pool Features

    Community

  • Parking Features

    Garage, Garage Door Opener

Other Features

  • Community Features

    Pool, Community Pool, Gated, Short Term Rental Allowed

  • Lot Features

    Sprinkler System

  • Subdivision Name

    Sanctuary Beach

  • Patio And Porch Features

    Patio, Covered, Porch

Price History

DateEventPrice

09/24/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #785018

Price Increased

$399,900 +1.74%

$227/sqft

08/25/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #785018

Price Decreased

$393,074 -5.25%

$223/sqft

08/19/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #785018

Price Increased

$414,854 +1.21%

$235/sqft

07/28/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #785018

Price Decreased

$409,900 -1.24%

$232/sqft

07/21/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #785018

Price Decreased

$415,060 -5.00%

$235/sqft

Show more

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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