Gulf Shores subdivision guide

Cotton Bay

Cotton Bay is a residential subdivision or named community in the Little Lagoon / West Beach area of Gulf Shores. Current active listings show $354,900. Active listings are currently clustered around 3626 Cotton Bay Drive. Buyers should verify lot boundaries, rental rules, HOA documents, flood zone, insurance, and any waterfront or beach-access rights for the exact property before writing an offer.

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AreaLittle Lagoon / West Beach

Price Range$354,900

Average Year2005

Average Size1560 sq ft

Homes14

Beach Time5-10 mins

SchoolsGulf Shores City Schools

HOA$355/yr (assumed annual for single-family/lot listings)

Living in Cotton Bay

Cotton Bay is a residential subdivision or named community in the Little Lagoon / West Beach area of Gulf Shores. Current active listings show $354,900. Active listings are currently clustered around 3626 Cotton Bay Drive. Buyers should verify lot boundaries, rental rules, HOA documents, flood zone, insurance, and any waterfront or beach-access rights for the exact property before writing an offer.

We help buyers compare this neighborhood against similar communities based on current inventory, real commute patterns, insurance considerations, HOA expectations, and long-term fit.

Common Buyer Questions

What is Cotton Bay known for?

Cotton Bay is a residential subdivision or named community in the Little Lagoon / West Beach area of Gulf Shores. Current active listings show $354,900. Active listings are currently clustered around 3626 Cotton Bay Drive. Buyers should verify lot boundaries, rental rules, HOA documents, flood zone, insurance, and any waterfront or beach-access rights for the exact property before writing an offer.

How close is Cotton Bay to the beach?

Cotton Bay is listed as about 5-10 mins from the beach.

What should buyers verify in Cotton Bay?

Verify current HOA dues, rental restrictions if relevant, school zoning, insurance costs, flood zone, recent comparable sales, and neighborhood-specific rules.

Helpful Guides for Cotton Bay Buyers

Use these local resources to compare Cotton Bay against Gulf Shores schools, beach access, insurance, financing, and relocation factors.

Gulf Shores Area Guide Schools, taxes, insurance, beaches, shopping, travel, and everyday local life. Relocation Guide Taxes, insurance, hurricane planning, school notes, and out-of-state buyer timelines. Beach & Waterfront Guide Compare public beach access, state park beaches, lagoons, trails, and waterfront lifestyle notes. Mortgage & Financing Loan strategy, second-home financing, investment-property numbers, and payment planning.

Compare Nearby Communities

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Meet the Experts

We didn't just move here - we built our lives here. And now we help other families do the same.

Kelly Davis

Team Lead

Kelly Davis

Associate Broker & Team Lead

Kelly is the heart and engine of Big Beach AL Team. She pairs coastal market knowledge with creative marketing and helps buyers and sellers make confident moves on the Gulf Coast.

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Dave Davis

The Numbers Guy

Dave Davis

Lending Specialist & Realtor

Dave brings the financing brain to the table, helping buyers understand payments, carrying costs, rental projections, and the real numbers behind a beach property before they write an offer.

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Kerri Nicketta

Buyer's Agent

Kerri Nicketta

Expert Buyer Specialist & Lead Buyer's Agent

Kerri is the team's go-getter for showings, tours, and buyer follow-through. She keeps the process moving and helps clients compare properties with clear, on-the-ground context.

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