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Aerial view of the Sanctuary Beach community in Panama City Beach, FL, showing layout and nearby surroundings (Image 1).
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Sanctuary Beach by D.R. Horton

3524 Cottage Cove Ln, Panama City Beach, FL 32408

from $414,900

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Builder deals available

2 programs • Save up to $28,960 • 7 years estimate
  • TOP-TIER DEAL
    VA 30 Year Fixed
    $28,960 est. value
    • Rate buydown from 3.88% (1–5 year) with 5.332% APR
  • FHA 30 Year Fixed
    $24,690 est. value
    • Rate buydown from 3.88% (1–5 year) with 5.735% APR and 3.5% down payment

Deals may change and are not guaranteed. Some deals apply to specific homes or plans. Not a financing offer. Eligibility varies by lender. Please verify details.

Available homes

Extra incentives may apply to these homes
Pricing and availability are subject to change.
  • New construction Single-Family house 3528 Cottage Cove Ln, Panama City Beach, FL 32408 plan Norfolk - image

    Norfolk

    $414,900

    • 3 bd
    • 2.5 ba
    • 1,771 sqft

    3528 Cottage Cove Ln, Panama City Beach, FL 32408

  • New construction Single-Family house 3524 Cottage Cove Ln, Panama City Beach, FL 32408 plan Norfolk - image

    Norfolk

    $436,900

    • 3 bd
    • 2.5 ba
    • 1,771 sqft

    3524 Cottage Cove Ln, Panama City Beach, FL 32408

  • New construction Single-Family house 3600 Woods Ln, Panama City Beach, FL 32408 plan Norfolk - image

    Norfolk

    $441,500

    • 3 bd
    • 2.5 ba
    • 1,771 sqft

    3600 Woods Ln, Panama City Beach, FL 32408

  • New construction Single-Family house 3904 Magnolia Bluff Ln, Panama City Beach, FL 32408 plan Alabaster - image

    Alabaster

    $523,500

    • 4 bd
    • 3.5 ba
    • 2,245 sqft

    3904 Magnolia Bluff Ln, Panama City Beach, FL 32408

Plans

Norfolk by D.R. Horton - image

Norfolk

$509,900+
  • 3 bd
  • 2.5 ba
  • 1,771 sqft
Monroe by D.R. Horton - image

Monroe

$519,900+
  • 3 bd
  • 2.5 ba
  • 1,846 sqft
Alabaster by D.R. Horton - image

Alabaster

$539,900+
  • 4 bd
  • 3.5 ba
  • 2,245 sqft
Carol by D.R. Horton - image

Carol

$594,900+
  • 5 bd
  • 3 ba
  • 2,550 sqft

Community highlights

Explore Sanctuary Beach, a single-family home community by D.R. Horton situated at 3524 Cottage Cove Ln, Panama City Beach, FL 32408. At the moment, the community has a status of Selling. Offering 4 units, including 4 ready-to-move options. Sanctuary Beach homes size vary between 1,771 and 2,550 square feet on various lot sizes. Homes price vary between $414,900 and $594,900.

Community Pool

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Estimated value based on Jome data, T&C apply

Community details

Community details

Neighborhood:
Upper Grand Lagoon
Builder(s):
D.R. Horton
Home type:
Single-Family
Selling status:
Selling
School district:
Bay County School District

Community amenities

  • Gated Community
  • Community Pool
  • Park Nearby

About the builder - D.R. Horton

D.R. Horton
  • 1,193communities on Jome
  • 8,595homes on Jome
Guided by a value-first dedication to homebuyers, D.R. Horton has grown from its Texas roots to become the nation's largest homebuilder by volume since 2002. The company offers a variety of new construction homes designed for different lifestyles, from first-time buyers to luxury living. This focus on diverse product offerings and strategic growth has solidified its reputation in the housing market.

Neighborhood

Community address

3524 Cottage Cove Ln, Panama City Beach, FL 32408
Neighborhood:
County:
Bay
Zip Code:
32408
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Schools in Bay County School District

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GreatSchools’ Summary Rating calculation is based on 4 of the school’s themed ratings, including test scores, student/academic progress, college readiness, and equity. This information should only be used as a reference. Jome is not affiliated with GreatSchools and does not endorse or guarantee this information. Please reach out to schools directly to verify all information and enrollment eligibility. Data provided by GreatSchools.org © 2025

Places of interest

Getting around

Walk score ®
8 /100
Car-Dependent
Bike score ®
46 /100
Somewhat Bikeable

Noise level

87
50Calm100
Traffic noiseCalm
Local sources noiseCalm
Airports noiseCalm

A Soundscore™ rating is a number between 50 (very loud) and 100 (very quiet) that tells you how loud a location is due to environmental noise.

Natural hazards risk

Climate hazards can impact homes and communities, with risks varying by location. These scores reflect the potential impact of natural disasters and climate-related risks on Bay County

Riverine flooding94.9
Relatively High
Wildfire81.0
Relatively Low
Hurricane98.7
Relatively High
Earthquake65.2
Very Low
Heat wave53.0
Relatively Low
Coastal flooding51.9
Relatively Low

Provided by FEMA

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Sanctuary Beach by D.R. Horton

Welcome to the serene and prestigious Sanctuary Beach, where elegance meets comfort in the coastal haven of Panama City Beach, FL. These stunning D.R. Horton single-family residences are designed with families, outdoor enthusiasts, and golfers in mind, offering a lifestyle that blends relaxation with a touch of luxury.

Nestled in the charming enclave of Sanctuary Beach in Upper Grand Lagoon, these newly constructed homes provide an exclusive escape with four exquisite coastal floorplans to select from. Each home is a showcase of meticulous craftsmanship featuring sophisticated EVP flooring throughout, lustrous quartz countertops complemented by a 4” quartz backsplash, shaker style cabinetry with soft-close technology, top-of-the-line Whirlpool® stainless steel appliances, and sleek Moen® faucets.

Innovation meets convenience with the Smart Home Technology package, including KwikSet Keyless entry, DEAKO® smart switches, and a Qolsys touch panel to seamlessly control your home's lighting, thermostat, and security systems.

The beauty extends beyond the interiors, with the exteriors adorned with durable Hardie Board siding, expertly landscaped lawns complete with flower beds at the front entry, an efficient irrigation system, 30-Year composite shingles, and covered patios that vary per plan.

Embrace the community spirit in this gated retreat, where amenities such as a pool with a pergola, streetlights, and a professionally landscaped front entrance await. Sanctuary Beach is conveniently located near top-rated schools, with Patronis Elementary, Arnold High School, and Surfside Middle School all within easy reach. Golf aficionados will delight in the proximity to Bay Point Golf Club, a mere golf cart ride away.

Positioned just moments from the picturesque St. Andrews State Park and the tranquil waters of St. Andrew Bay, Sanctuary Beach offers an idyllic lifestyle where nature's beauty is your everyday backdrop. Make your dream home a reality in this Old-Florida-style community, where tranquility and elegance become one. Welcome to Sanctuary Beach—a sanctuary you can call home.

Last checked Dec 5, 12:22 am

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