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3511 Cottage Cove Lane, Panama City, FL 32408

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For Sale

$675,000

4 beds • 2 baths • 1 half baths • 2,375 sqft

Estimated Payment

$ 3,981 /mo. †

6.63% APR for 30 yrs.
$6,261 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $284.21
    Price per square foot

  • 1-5 Years Old
    Age

Explore this Property

Beautiful, elegant, and easy to maintain, spacious 4 bedroom home nestled in the scenic wooded subdivision of Sanctuary Beach. This quality built Craftsman home has numerous custom upgrades and unique features adding to its charm and inviting atmosphere. It's in a great location within the subdivision, close to the community pool, a private neighborhood beach area and Bay access 1/4 mile from the home. This gorgeous, move in ready, custom home, with a spacious open floor plan, features white oak flooring, high ceilings and large windows allowing plenty of natural light into the home. The impressive kitchen showcases white cabinets, white marble countertops, shiplap and cedar backsplash, breakfast bar, upgraded stainless steel appliances, a ZLINE commercial grade stove featuring 6 gas burners, electric oven, range hood, and best of all, there's a hidden butler's pantry for so much extra storage. Large open dining area and living room, featuring a vaulted ceiling and 8ft French doors that open onto an oversized patio and the back yard. The main bedroom suite is conveniently located on the ground floor and boasts elegant 9ft reclaimed wood barn doors leading to the spa-like main bathroom, with marble floors, large glass shower, double vanities, a deep free standing tub, and a large walk-in closet with custom shelving. There is also a large half bath on the ground floor. Going upstairs, the stairway features custom iron-rod stair rails and wood stair treads. Upstairs you will find three additional spacious bedrooms, a second full bathroom with tiled shower/tub combo and double vanity, and a large laundry room with extra cabinets and countertops, and a window for extra natural light. All interior and exterior walls were insulated during construction, and blown-in insulation was installed above the ceilings. Paver driveway and 2 car garage for parking.The subdivision is within close proximity to the Jack Nicklaus Golf Course, several marinas, fine dining restaurants as well as St Andrews State Park, and the beautiful beaches of the Emerald Coast. Call today to see this adorable, elegant, easy to maintain custom home in the beautiful wooded subdivision of Sanctuary Beach and see for yourself everything it has to offer for relaxed coastal living!
MLS# 767451

Courtesy Of Beachy Beach Real Estate

(850) 527-5651

Property Features

  • Age
    1-5 Years Old
  • Amenities
    Vaulted Ceiling, Ceiling Fan
  • Appliances
    Dishwasher, Garbage Disposer, Microwave, Range, Refrigerator, Washer
  • Architecture Style
    Craftsman
  • Cooling System
    Ceiling Fan(s)
  • Exterior Type
    Aluminum Siding, Vinyl Siding
  • Heating System
    Central Furnace
  • Lot Size
    0.08 Acres
  • Rooms
    Dining Room, Kitchen, Living Room

Map and Directions

Directions to 3511 Cottage Cove Lane, Panama City, FL 32408

Home seller CENTURY 21 Ryan Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Ryan Realty

(850) 233-7926
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $3,459
  • Property Taxes
    $521
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $3,981

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Patronis Elementary School

Grades KG-5 Public School

Panama City, FL 32408 3.4 miles
7400 patronis dr

650 total students
15:1 Student teacher ratio

School Rating: B

School Details

Surfside Middle School

Grades 6-8 Public School

Panama City Beach, FL 32413 9.3 miles
300 nautilus st

762 total students
20:1 Student teacher ratio

School Rating: B-

School Details

J.r. Arnold High School

Grades 9-12 Public School

Panama City Beach, FL 32407 7.2 miles
550 n alf coleman rd

1563 total students
26:1 Student teacher ratio

School Rating: C+

School Details
Other Nearby Schools Distance Type Grades School Rating
St John Catholic School 2.3 miles Private KG-8
St. Andrew School At Oakland Terrace 2.4 miles Public PK-5 F
Rising Leaders Academy 2.7 miles Public KG-12 C+
Lucille Moore Elementary School 2.8 miles Public PK-5 C+
Palm Bay Elementary School 3 miles Public KG-5 C
Palm Bay Preparatory Academy 6-12 3.1 miles Public 6-12 B+
Bay Virtual Instruction Program (district Provided) 3.1 miles Public KG-12 C+
Exceptional Student Education 3.1 miles Public PK-12
Bay Virtual Instruction Program 3.2 miles Public KG-11
Bay Virtual Instruction (course Offerings) 3.2 miles Public 9-12
Bay Virtual Franchise 3.2 miles Public KG-12 B-
Central Academy 3.3 miles Public 6-12
Central High School 3.3 miles Public 9-12 D-
Jinks Middle School 3.4 miles Public 6-8 D
Gulf Coast School For Autism 3.6 miles Private KG-12
Covenant Christian School 3.7 miles Private PK-12
Northside Elementary School 3.7 miles Public PK-5 D+
Bacot Academy 3.7 miles Private KG-11
Holy Nativity Episcopal School 3.8 miles Private PK-8

St John Catholic School

Distance: 2.3 miles

Type Private

Grades: KG-8

St. Andrew School At Oakland Terrace

Distance: 2.4 miles

Type Public

Grades: PK-5

F

Rising Leaders Academy

Distance: 2.7 miles

Type Public

Grades: KG-12

C+

Lucille Moore Elementary School

Distance: 2.8 miles

Type Public

Grades: PK-5

C+

Palm Bay Elementary School

Distance: 3 miles

Type Public

Grades: KG-5

C

Palm Bay Preparatory Academy 6-12

Distance: 3.1 miles

Type Public

Grades: 6-12

B+

Bay Virtual Instruction Program (district Provided)

Distance: 3.1 miles

Type Public

Grades: KG-12

C+

Exceptional Student Education

Distance: 3.1 miles

Type Public

Grades: PK-12

Bay Virtual Instruction Program

Distance: 3.2 miles

Type Public

Grades: KG-11

Bay Virtual Instruction (course Offerings)

Distance: 3.2 miles

Type Public

Grades: 9-12

Bay Virtual Franchise

Distance: 3.2 miles

Type Public

Grades: KG-12

B-

Central Academy

Distance: 3.3 miles

Type Public

Grades: 6-12

Central High School

Distance: 3.3 miles

Type Public

Grades: 9-12

D-

Jinks Middle School

Distance: 3.4 miles

Type Public

Grades: 6-8

D

Gulf Coast School For Autism

Distance: 3.6 miles

Type Private

Grades: KG-12

Covenant Christian School

Distance: 3.7 miles

Type Private

Grades: PK-12

Northside Elementary School

Distance: 3.7 miles

Type Public

Grades: PK-5

D+

Bacot Academy

Distance: 3.7 miles

Type Private

Grades: KG-11

Holy Nativity Episcopal School

Distance: 3.8 miles

Type Private

Grades: PK-8

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Panama City, FL 32408

Tour the area

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Panama City, FL 32408

This community’s employment is highest in the food and sales industries. The area’s overall household expenses are above the national average.

90° July
Hottest Average Month
43° January
Coldest Average Month
7,537 Total Households in Area
4.9% Increase in population since the year 2010
27.2%
of households
have children
21 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Panama City, FL 32408

Panama City, FL 32408 has a population of 15,982 people in 7,537 households with a median age of 43.1 years old.

4.9%
Increase in population
since the year 2010
Population is Trending up
6,836
Total households as of 2010
9.6%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 43.1 years old. The smallest percentage group is 25-34 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 81%
Hispanic 7%
Black 4%
Other 3%
Asian 2%
Native American <1%
The most prevalent ethnicity is White at 81%, followed by Hispanic at 7%, Black at 4%, and Other at 3%.

Economics
for Panama City, FL 32408

1,394 /sq mi
Population Density
$72,603 /yr
Median Household Income
$417,500
Median Sales Price
21 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 21.96% of the households.

Transportation to Work

  • Drive 90%
  • Work from Home 6%
  • Walk or Bike 2%
  • Public Transit 1%

Occupancy by Type

Vacant 7,061 48%
Owned 5,489 38%
Rented 2,048 14%

White vs Blue Collar Jobs







White Collar 76%
Blue Collar 24%

Family & Education Facts
for Panama City, FL 32408

43.1 Median Age

Average Household Size

2.1
persons per
household

50.4%

Married Households

Community Population By Education

Bachelors Degree 26%
Some College 22%
High School Graduate 20%
Associates Degree 17%
Graduate Degree 11%
Some High School 5%
Of the total people surveyed, the most prevalent educational attainment level is Bachelors Degree, representing 26.01% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
27.2% of households have children

Weather
for Panama City, FL 32408

The weather for this area ranges from a high of 90° F in July to a low of 43° F in January

90° July
Hottest Average Month
43° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
43°
63°
Feb
45°
66°
Mar
51°
71°
Apr
57°
78°
May
65°
84°
Jun
71°
89°
Jul
74°
90°
Aug
73°
90°
Sep
70°
88°
Oct
60°
81°
Nov
51°
72°
Dec
45°
65°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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