$588,851 - $679,000
RENTED JUN 12, 2025

3517 Cottage Cove Ln Panama City, FL 32408

Upper Grand Lagoon Neighborhood
3 Beds
3.5 Baths
2,353 Sq Ft
$267 Price per Sq Ft

Highlights

  • Gated Community
  • Deck
  • Community Pool
  • J.R. Arnold High School Rated A-
  • Wood Flooring
  • Covered Patio or Porch

About This Home

As of June 2025

Located near St. Andrew Bay in the gated community of Sanctuary Beach this home features all the bells and whistles! First floor features high ceilings, plenty of windows for natural lighting, open living/dining area with deck, kitchen with granite countertops and 1/2 bath. 2nd floor opens up to 2 master suites with balconies and bonus room for office or play area. Situated on the third floor you will find the third master suite with a peaceful view for quite evenings. 1 car garage. HOA provides community pool and trash service. 2 small pets allowed with $250 pet deposit/$50 pet fee/ $25 pet rent (per pet).

Last Agent to Rent the Property

Patricia Sneed

CENTURY 21 Ryan Realty Inc License #0474423 Listed on: 05/01/2025

CENTURY 21 Ryan Realty Inc

Last Renter's Agent

Patricia Sneed

bc.unknownoffice

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,338

Year Built

  • Built in 2009

Parking

  • 1 Car Garage
  • Driveway

Home Design

  • Shingle Roof
  • Wood Siding

Interior Spaces

  • 2,353 Sq Ft Home
  • 3-Story Property
  • Coffered Ceiling
  • Ceiling Fan
  • Window Treatments
  • Wood Flooring
  • Washer and Dryer Hookup

Kitchen

  • Breakfast Bar
  • Microwave
  • Ice Maker
  • Dishwasher
  • Disposal

Bedrooms and Bathrooms

  • 3 Bedrooms

Home Security

  • Home Security System
  • Fire and Smoke Detector

Outdoor Features

  • Balcony
  • Deck
  • Covered Patio or Porch

Schools

  • Patronis Elementary School
  • Surfside Middle School
  • Arnold High School

Utilities

  • Central Heating and Cooling System
  • Tankless Water Heater
  • Gas Water Heater

Listing and Financial Details

  • Security Deposit $3,400
  • Property Available on 6/1/25
  • Tenant pays for all utilities, grounds care
  • 12 Month Lease Term

Community Details

Recreation

  • Community Pool

Additional Features

  • Sanctuary Beach Subdivision
  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,338

Year Built

Built in 2009

Lot Details

0

Parking

1

Rental Info

  • Lease Amount: 3500.0
  • Security Deposit: 3400.0
  • Lease Term: 12 Months
  • Tenant Pays: All Utilities, Grounds Care
  • Available Date: 2025-06-01

Listing Details

  • Property Type: Residential Lease
  • Year Built: 2009
  • Property Sub Type: Detached
  • Road Surface Type: Paved
  • Subdivision Name: Sanctuary Beach
  • Unit Levels: Three Or More
  • Property Attached Yn: No
  • Property Sub Type Additional: Detached,Single Family Residence
  • Special Features: None

Interior Features

  • Appliances: Dishwasher, Free-Standing Gas Oven, Free-Standing Gas Range, Disposal, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Gas Water Heater
  • Interior Amenities: Breakfast Bar, Coffered Ceiling(s), Window Treatments
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bedrooms: 3
  • Flooring: Hardwood
  • Living Area: 2353.0
  • Dining Room Type: Bedroom, Primary Bedroom
  • Stories: 3

Exterior Features

  • Construction Type: Wood Siding
  • Exterior Features: Balcony, Deck
  • Patio And Porch Features: Balcony, Covered, Deck, Patio
  • Roof: Shingle

Garage/Parking

  • Garage Spaces: 1.0
  • Parking Features: Driveway, Garage
  • Garage: Yes
  • Total Parking Spaces: 2.0

Utilities

  • Utilities: Electricity Available, Natural Gas Available, Sewer Available, Water Available
  • Security Features: Security System, Smoke Detector(s), Gated Community
  • Cooling: Central Air, Ceiling Fan(s), Electric
  • Heating: Central, Electric
  • Laundry Features: Washer Hookup, Dryer Hookup
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Pool, Gated
  • Pets Allowed: Yes

Schools

  • Middle Or Junior School: Surfside

Lot Info

  • Land Lease Amount Frequency: Monthly
  • Zoning Description: Resid Single Family

MLS Schools

  • Elementary School: Patronis
  • High School: Arnold

Ownership History

Date Name Owned For Owner Type

Purchase Details

Closed on
Oct 17, 2019
Sold by
Miller Cory Blake and Miller Megan Marie
Bought by
Elsberry Fitzgerald Lori
Current Estimated Value
$629,213

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$305,250
Interest Rate
2.25%
Mortgage Type
FHA

Purchase Details

Closed on
May 25, 2011
Sold by
Crm Florida Properties Llc
Bought by
Miller Cory Blake and Miller Megan Marie

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$195,920
Interest Rate
4.79%
Mortgage Type
New Conventional

Purchase Details

Closed on
Oct 4, 2010
Sold by
Blue Martini Holdings Llc
Bought by
Crm Florida Properties Llc

Purchase Details

Closed on
Jun 3, 2005
Sold by
St Andrews Land Co Llc
Bought by
Blue Martini Holdings Llc

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$200,000
Interest Rate
5.69%
Mortgage Type
Purchase Money Mortgage
Source: Public Records

Range of Values:

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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Elsberry Fitzgerald Lori $375,000 Attorney
Miller Cory Blake $244,900 Stewart Title Company
Crm Florida Properties Llc $1,504,300 Attorney
Blue Martini Holdings Llc $1,450,000 --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Fitzgerald Lori Elsberry $304,000
Closed Fitzgerald Lori Elsberry $305,250
Closed Elsberry Fitzgerald Lori $305,250
Previous Owner Miller Cory Blake $195,920
Previous Owner Blue Martini Holdings Llc $1,620,000
Previous Owner Blue Martini Holdings Llc $200,000
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
06/12/2025 06/12/25 Rented $3,500 0.0% --
05/01/2025 05/01/25 For Rent $3,500 -- --
Source: Central Panhandle Association of REALTORS®

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $4,338 $394,297 -- --
2023 $4,338 $382,813 $0 $0
2022 $3,898 $371,663 $55,733 $315,930
2021 $4,045 $371,767 $51,213 $320,554
2020 $3,939 $320,502 $43,860 $276,642
2019 $3,478 $287,839 $41,000 $246,839
2018 $3,121 $246,157 $0 $0
2017 $2,955 $231,320 $0 $0
2016 $3,037 $233,484 $0 $0
2015 $3,150 $235,647 $0 $0
2014 $3,160 $236,728 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Patricia Sneed

    Landlord's Agent in 2025

    Patricia Sneed

    CENTURY 21 Ryan Realty Inc

    (850) 819-6260

    Patricia Sneed
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Map

Source: Central Panhandle Association of REALTORS®

MLS Number: 773138

Central Panhandle Association of REALTORS®

APN: 31368-119-000

Florida Bay County Panama City 32408 Upper Grand Lagoon

3517 Cottage Cove Ln, Panama City, FL

This home is located at 3517 Cottage Cove Ln, Panama City, FL 32408 since 01 May 2025 and is currently priced at $629,213. This property was built in 2009. 3517 Cottage Cove Ln is a home located in Bay County with nearby schools including J.R. Arnold High School, Surfside Middle School, and Patronis Elementary School.

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Central Panhandle Association of REALTORS® 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.

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