Ranch

No HOA, incredible flexibility, and an assumable 2.5% interest rate option! Tucked away in unincorporated Panama City just north of Highway 390, this centrally located property offers added freedom with no HOA restrictions. The location is hard to beat, offering quick access to Panama City shopping, dining, restaurants, retail, schools, hospitals, Publix, University Academy, and everyday conveniences while still being only minutes from Lynn Haven. Even better, you can hop on a street legal golf cart and cruise directly into the nearby SweetBay community to enjoy its waterfront atmosphere, restaurants, walking trails, and amenities. Inside, the spacious 4 bedroom, 3 full bath, 2,042 sq ft layout offers a great mix of original character and recent updates throughout select portions of the home. You will find fresh interior paint in several rooms, durable vinyl plank flooring, and a charming kitchen featuring unique brick look floors and newer appliances including the oven and dishwasher. The converted garage serves as a private 4th bedroom suite or flexible bonus room separated from the main living area. This space has its own full bathroom, making it ideal for long term guests, a quiet home office, a private guest suite, a hobby room, or a multi generational living arrangement. There is also a separate laundry room with direct backyard access adds extra convenience to the daily routine. The exterior offers an excellent setup for anyone needing extra parking, storage, or workspace. Set on a large lot with multiple gates for easy front to backyard access, the circular driveway provides plenty of parking options. Beside the home, the detached covered carport measures approximately 38 feet long by 14 feet wide and includes lighting, making it ideal for boats, RVs, trailers, covered parking, workshop space, or additional vehicles. The property also features a covered back patio, an additional storage building, and a private light located near the end of the driveway connected to the property's electric service averaging approximately $20 per month for added visibility and convenience. Qualified buyers may also have the opportunity to assume the remaining loan balance of approximately $178,000 at a 2.5% interest rate, with the buyer responsible for bringing the remaining balance to closing or obtaining secondary financing for the difference if needed. Whether you are looking for a primary residence, second home, or investment opportunity, this property offers a rare combination of usable space, flexibility, and convenience in a highly desirable Bay County location. Buyer to verify all intended uses including short term rental allowances with Bay County.

No HOA, incredible flexibility, and an assumable 2.5% interest rate option! Tucked away in unincorporated Panama City just north of Highway 390, this centrally located property offers added freedom with no HOA restrictions. The location is hard to beat, offering quick access to Panama City shopping, dining, restaurants, retail, schools, hospitals, Publix, University Academy, and everyday conveniences while still being only minutes from Lynn Haven. Even better, you can hop on a street legal golf cart and cruise directly into the nearby SweetBay community to enjoy its waterfront atmosphere, restaurants, walking trails, and amenities. Inside, the spacious 4 bedroom, 3 full bath, 2,042 sq ft layout offers a great mix of original character and recent updates throughout select portions of the home. You will find fresh interior paint in several rooms, durable vinyl plank flooring, and a charming kitchen featuring unique brick look floors and newer appliances including the oven and dishwasher. The converted garage serves as a private 4th bedroom suite or flexible bonus room separated from the main living area. This space has its own full bathroom, making it ideal for long term guests, a quiet home office, a private guest suite, a hobby room, or a multi generational living arrangement. There is also a separate laundry room with direct backyard access adds extra convenience to the daily routine. The exterior offers an excellent setup for anyone needing extra parking, storage, or workspace. Set on a large lot with multiple gates for easy front to backyard access, the circular driveway provides plenty of parking options. Beside the home, the detached covered carport measures approximately 38 feet long by 14 feet wide and includes lighting, making it ideal for boats, RVs, trailers, covered parking, workshop space, or additional vehicles. The property also features a covered back patio, an additional storage building, and a private light located near the end of the driveway connected to the property's electric service averaging approximately $20 per month for added visibility and convenience. Qualified buyers may also have the opportunity to assume the remaining loan balance of approximately $178,000 at a 2.5% interest rate, with the buyer responsible for bringing the remaining balance to closing or obtaining secondary financing for the difference if needed. Whether you are looking for a primary residence, second home, or investment opportunity, this property offers a rare combination of usable space, flexibility, and convenience in a highly desirable Bay County location. Buyer to verify all intended uses including short term rental allowances with Bay County.