- 0
- 6
- Overview
- Description
- Property Details
- Location
- HOA Management
- Facts & Features
- Getting Around
- Nearby Homes
$660,000
Monthly Est:$3,285
4 Beds
3 Baths2 full baths + 1 half bath
2,254sqft
3522 Cottage Cvs Ln, Panama City, FL 32408
$660,000
$3,285/moEst:
Get Pre-Approved
Single Family Residence
Built in 2022
$195.33/mo HOA
0.09 acre lot
$293/sq.ft
Description
***VA ASSUMABLE LOAN at 5.375***
Quietly tucked away in the gated community of Sanctuary Beach, this beautifully upgraded 4-bedroom, 2.5-bath home, built by Nadeau, offers the perfect combination of privacy, comfort, and coastal living. Residents enjoy exclusive community amenities, including a pool and a dedicated nature trail that leads directly to the waters of St. Andrews Bay, making it easy to enjoy the natural beauty that surrounds this unique neighborhood.
Inside, the thoughtfully designed floor plan features a spacious first-floor primary suite complete with a large walk-in closet and an oversized bathroom. The heart of the home is the stunning chef's kitche...
- Houzeo last checked: 1 minute ago
- Listing updated: September 15, 2026 at 3:23 pm
- Listing Provided by: Kelly Flanagan DRE #SL3395533 | Keller Williams Success Realty (850) 249-0313
- Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 790845
Property Details
Status
Active
Type
Single Family Residence
No. of Stories
2
County
City
Neighborhood
--
Year Built
2022
HOA Fees
$195.33/mo
Finished Area
2,254 sqft
Lot Size
0.09 acre lot
Basement Area
- sqft
MLS Name
Bay/Panama City/Central Panhandle MLS
MLS Number
790845
MLS Status
Active
Days on Market
105
Cumulative Days on Market
102
Continue Your Journey in App
Find your dream home, receive real-time updates, and many more!
Download App
Continue Your Journey in App
Find your dream home, receive real-time updates, and many more!
HOA Management
N/A
HOA Fees
$586/ Quarterly
Amenities
Amenities and services may be covered by one or multiple associations and service providers.
Security Gate
Trash Pickup
LegalAccounting
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
LivingRoom
Level: First
Area: 300.00 Square Feet
Dimensions: 20 x 15
Bedroom
Level: Second
Area: 150.00 Square Feet
Dimensions: 10 x 15
Bedroom
Level: Second
Area: 140.00 Square Feet
Dimensions: 10 x 14
Bedroom
Level: Second
Area: 144.00 Square Feet
Dimensions: 12 x 12
PrimaryBathroom
Level: First
Area: 255.00 Square Feet
Dimensions: 17 x 15
Interior
Appliances
Gas Cooktop, Tankless Water Heater
Sewer
Public Sewer
Cooling
Central Air, Ceiling Fans
Heating
Electric
Interior Features
Coffered Ceilings, Double Vanity, Interior Steps, Main Level Primary, Walk In Closets
Construction
Year Built
Year Built: 2022
Home type
Single Family Residence
Construction Materials
Hardiplank Type
Architectural Style
Craftsman
Foundation Details
Slab
Roof
Composition, Shingle
Utilities & Energy
Utilities
Cable Connected
Pool Features
Community
Security Features
Gated Community
Association Amenities
Gated
Other Features
Subdivision Name
Sanctuary Beach
Community Features
Pool, Community Pool, Gated
Patio And Porch Features
Covered, Porch
Price History
| Date | Event | Price |
|---|---|---|
08/11/2026 Source: | Price Decreased | $660,000 -1.49% $293/sqft |
06/15/2026 Source: | Price Decreased | $670,000 -2.90% $297/sqft |
06/05/2026 Source: | Price Increased | $690,000 +2.99% $306/sqft |
06/05/2026 Source: | Listed for Sale | $670,000 $297/sqft |
Nearby Homes
Find Homes by Property Features in Panama City, FL
Nearby New Homes For Sale
Based on information from Central Panhandle Association of REALTORS® MLS through Sep 19, 2026, 04:15PM. 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
Love this home?
Here's 4 things you can do
Your local real estate expert. Speak directly with agent about the home & pricing.
Book your private tour
as early as Today at 02:30 PM
Rates starting from 6.3%. Secure financing early to move quickly when you're ready.
Fastest way to get your offer in. Speak directly with agent to negotiate the offer.
Houzeo Corp. holds real estate brokerage licenses in Alabama (License No. 000157023 - 0) and Texas (License No. 9013396)
TREC: Info About Brokerage Services, Consumer Protection Notice.
§ 442‑H New York Standard Operating Procedure.
New York State Fair Housing Notice.
