Ranch

No HOA, a spacious 4 bedroom, 3 full bath, 2,042 square foot layout, 0.28 acres, and an assumable 2.5% interest rate option all in one of Bay County's most convenient locations. Situated in unincorporated Panama City just north of Highway 390 near the expanding SweetBay area, this property offers flexibility, usable space, and easy access to Panama City shopping, dining, restaurants, retail, schools, hospitals, Publix, University Academy, Lynn Haven, PCB, and everyday conveniences. With continued commercial and residential expansion planned throughout the nearby SweetBay area over the coming years, many buyers are keeping a close eye on the area's long term growth and development. The property is also conveniently positioned near restaurants, walking trails, the growing commercial corridor, and the future marina development planned nearby. Inside, the spacious 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. In addition to the main living areas, the home also features a separate den complete with a fireplace, creating an ideal secondary living space, game room, or cozy gathering area. The converted garage serves as a private 4th bedroom suite or flexible bonus room separated from the main living area. Complete with its own full bathroom, this space works perfectly for long term guests, a quiet home office, private guest suite, hobby room, or multi generational living arrangement. The home also features a separate laundry room with direct backyard access for added convenience. The exterior is designed for functionality, accessibility, and storage. Sitting on approximately 0.28 acres, the property features reinforced gates positioned throughout multiple areas of the property allowing easy front to backyard access. The circular driveway provides plenty of parking options, while the detached covered carport located beside the home measures approximately 38 feet long by 14 feet wide and includes lighting, making it ideal for boats, small RVs, trailers, covered parking, workshop space, storage, or additional vehicles. The property also features a covered back patio, an additional storage building with attached covered storage area, 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, convenience, and location in a highly desirable Bay County area. All information is deemed reliable but not guaranteed. Buyer to independently verify all measurements, features, zoning, intended uses, and any information deemed important

No HOA, a spacious 4 bedroom, 3 full bath, 2,042 square foot layout, 0.28 acres, and an assumable 2.5% interest rate option all in one of Bay County's most convenient locations. Situated in unincorporated Panama City just north of Highway 390 near the expanding SweetBay area, this property offers flexibility, usable space, and easy access to Panama City shopping, dining, restaurants, retail, schools, hospitals, Publix, University Academy, Lynn Haven, PCB, and everyday conveniences. With continued commercial and residential expansion planned throughout the nearby SweetBay area over the coming years, many buyers are keeping a close eye on the area's long term growth and development. The property is also conveniently positioned near restaurants, walking trails, the growing commercial corridor, and the future marina development planned nearby. Inside, the spacious 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. In addition to the main living areas, the home also features a separate den complete with a fireplace, creating an ideal secondary living space, game room, or cozy gathering area. The converted garage serves as a private 4th bedroom suite or flexible bonus room separated from the main living area. Complete with its own full bathroom, this space works perfectly for long term guests, a quiet home office, private guest suite, hobby room, or multi generational living arrangement. The home also features a separate laundry room with direct backyard access for added convenience. The exterior is designed for functionality, accessibility, and storage. Sitting on approximately 0.28 acres, the property features reinforced gates positioned throughout multiple areas of the property allowing easy front to backyard access. The circular driveway provides plenty of parking options, while the detached covered carport located beside the home measures approximately 38 feet long by 14 feet wide and includes lighting, making it ideal for boats, small RVs, trailers, covered parking, workshop space, storage, or additional vehicles. The property also features a covered back patio, an additional storage building with attached covered storage area, 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, convenience, and location in a highly desirable Bay County area. All information is deemed reliable but not guaranteed. Buyer to independently verify all measurements, features, zoning, intended uses, and any information deemed important