NOT LISTED FOR SALE

3522 Cottage Cove Ln Panama City, FL 32408

Upper Grand Lagoon Neighborhood

Estimated Value: $616,199 - $718,000

4 Beds
2.5 Baths
2,202 Sq Ft
$306/Sq Ft Est. Value

Last Sold June 30, 2023

Last sale price $625,000 $284 Per Sq Ft

Est. 8% increase in value since last sale

Current estimated payment $4,102/month

67 Days on Market

Highlights

  • Gated Community
  • Craftsman Architecture
  • Community Pool
  • J.R. Arnold High School Rated A-
  • Main Floor Primary Bedroom
  • Covered Patio or Porch

About This Home

As of June 2023

Welcome to your NEW Home! This 4 Bedroom, 2.5 bath is loaded with extras and lots of great details. Enjoy your beautiful Kitchen - it is built for entertaining guests! 11 ft shiplap island, upgraded quartz, 2 pantries (1 walk in, 1 pantry cabinet), commercial grade gas stove and custom-made hood. Your Dining area has a shiplap accent wall and everything opens up to your large Living room. Your 1st floor Master Suite features a double vanity, oversized shower and walk in closet. Upstairs are the rest of the bedrooms and bathroom. Sanctuary Beach has a community pool and is located near all the east end marinas and hot local restaurants. Bring your Paddleboards/Kayaks because right outside your gated neighborhood is a public bay beach. 1 Year Builder Warranty Included!

Last Agent to Sell the Property

Karen Smith

Beachy Beach Real Estate License #3102215 Listed on: 03/07/2023

Beachy Beach Real Estate

Last Buyer's Agent

McKayla Hale

Real Broker LLC License #3499534

Real Broker LLC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,407

Year Built

  • Built in 2022

Lot Details

  • Lot Dimensions are 40x100
  • Property fronts a private road

HOA Fees

  • $67 Monthly HOA Fees

Parking

  • 2 Car Attached Garage

Home Design

  • Craftsman Architecture
  • Shingle Roof
  • Cement Board or Planked

Interior Spaces

  • 2,202 Sq Ft Home
  • 2-Story Property
  • Coffered Ceiling
  • Tray Ceiling
  • Living Room

Kitchen

  • Gas Oven or Range
  • Stove
  • Range Hood
  • Microwave
  • Ice Maker
  • Kitchen Island
  • Disposal

Flooring

  • Tile
  • Vinyl

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main
  • Dual Vanity Sinks in Primary Bathroom
  • Primary Bathroom includes a Walk-In Shower

Schools

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

Additional Features

  • Covered Patio or Porch
  • Gas Water Heater

Listing and Financial Details

  • Assessor Parcel Number 31368-106-000

Community Details

Overview

  • Association fees include management
  • Sanctuary Beach Subdivision

Recreation

  • Community Pool

Security

  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,407

Year Built

Built in 2022

Lot Details

0

HOA Fees

$67 per month

Parking

2

Listing Details

  • Property Sub Type: Detached Single Family
  • Prop. Type: Residential
  • Lot Size: 40x100
  • Road Frontage Type: Private Road
  • Subdivision Name: Sanctuary Beach
  • Directions: Thomas Drive turn onto Magnolia Beach Road, stay right on Delwood Beach road, turn right at the dead end onto Delwood Dr, follow to the gated entrance into Sanctuary Beach - first right on cottage cove and home is at end on right
  • Architectural Style: Craftsman Style
  • Carport Y N: No
  • New Construction: No
  • Building Stories: 2
  • Year Built: 2022
  • Utilities:Public Sewer: Yes
  • Utilities:Public Water: Yes
  • Rooms:Living Room: Yes
  • Appliances Microwave: Yes
  • Utilities:Gas - Natural: Yes
  • Energy:Water Heater - Gas: Yes
  • Special Features: NewHome
  • Stories: 2

Interior Features

  • Appliances: Disposal, Microwave, Range Hood, Refrigerator W/IceMk, Stove/Oven Dual Fuel
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 4
  • Interior Amenities: Ceiling Tray/Cofferd, Floor Tile, Floor Vinyl, Kitchen Island
  • Mstr BdrmMstr Bath:MBath Shower Only: Yes
  • Master Bedroom:First: Yes
  • Interior:Floor Tile: Yes
  • Appliances:Refrigerator WIceMk: Yes
  • Interior:Floor Vinyl: Yes
  • Appliances:Range Hood: Yes
  • Mstr BdrmMstr Bath:MBath Double Vanity: Yes
  • Interior:Kitchen Island: Yes
  • Interior:Ceiling TrayCofferd: Yes
  • Appliances:StoveOven Dual Fuel: Yes

Exterior Features

  • Pool Features: Pool Type
  • Construction Type: Roof Shingle/Shake, Siding CmntFbrHrdBrd
  • Exterior Features: Patio Covered
  • Property Condition: Construction Complete
  • Construction Status:Construction Complete: Yes
  • Exterior:Patio Covered: Yes
  • ConstructionSiding:Siding CmntFbrHrdBrd: Yes
  • ConstructionSiding:Roof ShingleShake: Yes

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 2.0
  • General Property Info:Garage2: Yes
  • Parking Features:Garage Attached: Yes
  • Rooms:Garage5: Yes

Utilities

  • Utilities: Gas - Natural, Public Sewer, Public Water

Condo/Co-op/Association

  • Community Features: Gated Community, Pool
  • Association #2 Fee: 200.0
  • Association Fee Frequency: Quarterly
  • Association: Yes

Fee Information

  • Association Fee Includes: Management

Schools

  • Elementary School: Patronis
  • High School: Arnold
  • Middle Or Junior School: Surfside

Lot Info

  • Parcel #: 31368-106-000
  • Zoning: Resid Single Family
  • ResoLotSizeUnits: Acres

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 7, 2023
Closed on
Jun 30, 2023
Sold by
Nadeau Construction Llc
Bought by
Rogers Joshua and Rogers Natalie Kelly
Seller's Agent
Karen Smith
Beachy Beach Real Estate
Buyer's Agent
McKayla Hale
Real Broker LLC
List Price
$650,000
Sold Price
$625,000
Premium/Discount to List
-$25,000
-3.85%
Views
6
Current Estimated Value
$672,800

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$47,800
Avg. Annual Appreciation
3.39%
Original Mortgage
$638,437
Outstanding Balance
$614,496
Interest Rate
4%
Mortgage Type
VA
Estimated Equity
$58,304

Purchase Details

Closed on
Dec 1, 2020
Sold by
Mea Properties Llc
Bought by
Nadeau Construction Llc

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$309,000
Interest Rate
2.7%
Mortgage Type
Construction

Purchase Details

Closed on
Mar 20, 2009
Sold by
Coastal Construction Management Group In and Froemming Ardeen L
Bought by
Banktrust
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
Rogers Joshua $625,000 Defender Title & Escrow
Nadeau Construction Llc $65,000 Rodgers Kiefer Title
Banktrust -- Attorney
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Rogers Joshua $638,437
Previous Owner Nadeau Construction Llc $309,000
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
06/30/2023 06/30/23 Sold $625,000 0.0% $284 / Sq Ft
06/30/2023 06/30/23 Sold $625,000 -3.8% $284 / Sq Ft
05/13/2023 05/13/23 Pending -- -- --
05/13/2023 05/13/23 Pending -- -- --
03/07/2023 03/07/23 For Sale $650,000 0.0% $295 / Sq Ft
02/22/2023 02/22/23 Price Changed $650,000 -4.4% $295 / Sq Ft
02/02/2023 02/02/23 For Sale $680,000 0.0% $309 / Sq Ft
01/20/2023 01/20/23 Off Market $680,000 -- --
11/08/2022 11/08/22 Price Changed $680,000 -2.9% $309 / Sq Ft
10/20/2022 10/20/22 For Sale $700,000 -- $318 / Sq Ft
Source: Emerald Coast 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 $5,407 $529,615 $75,066 $454,549
2023 $5,407 $425,386 $70,167 $364,080
2022 $645 $55,733 $55,733 $0
2021 $614 $51,213 $51,213 $0
2020 $460 $43,860 $43,860 $0
2019 $429 $41,000 $41,000 $0
2018 $420 $26,400 $0 $0
2017 $302 $24,000 $0 $0
2016 $308 $24,000 $0 $0
2015 $317 $24,000 $0 $0
2014 $316 $24,000 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Karen Smith

    Seller's Agent in 2023

    Karen Smith

    Beachy Beach Real Estate

    (850) 233-4351

    20 in this area

    261 Total Sales

    Karen Smith
    Section Image
  • Mia Nadeau

    Seller's Agent in 2023

    Mia Nadeau

    Beachy Beach Real Estate

    (229) 220-0101

    31 in this area

    67 Total Sales

    Mia Nadeau
    Section Image

  • M

    Buyer's Agent in 2023

    McKayla Hale

    Real Broker LLC

    (303) 815-7243

    1 in this area

    14 Total Sales

    McKayla Hale
    Section Image

  • N

    Buyer's Agent in 2023

    Non Member

    NON-MEMBER OFFICE

See All Agents

Map

Source: Emerald Coast Association of REALTORS®

MLS Number: 918418

Emerald Coast Association of REALTORS®

APN: 31368-106-000

Florida Bay County Panama City 32408 Upper Grand Lagoon

3522 Cottage Cove Ln, Panama City, FL

This home is located at 3522 Cottage Cove Ln, Panama City, FL 32408 since 07 March 2023 and is currently estimated at $672,800, approximately $305 per square foot. This property was built in 2022. 3522 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.

Emerald Coast Association of REALTORS® IDX information is provided exclusively for 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 is deemed reliable but not guaranteed.

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