Ranch

**NEW PRICE! Seller Offering $15,000 Toward Buyer's Closing Costs, Interest Rate Buydown, or Approved Upgrades!** For qualified buyers, this incentive could be used toward a 3 2 1 interest rate buydown, potentially reducing the first year's estimated mortgage payment only to approximately $1,600 to $1,700 per month. Buyer to verify financing terms and payment estimates with their lender. This 4 bedroom, 3 bath home offers approximately 2,042 square feet of living space on a 0.28 acre fully fenced lot with no HOA, short term rentals permitted, golf cart access to SweetBay, and less than 10 minutes from Panama City Beach. **Property Video Available!** Opportunities offering this combination of location, flexibility, and lifestyle near the rapidly growing SweetBay community are becoming increasingly difficult to find. Located in a quiet, low traffic neighborhood in unincorporated Panama City, residents in this area can legally drive a street legal golf cart directly to SweetBay Town Center to enjoy Publix, restaurants, waterfront gathering spaces, parks, community events, and the popular Sunday Farmers Market, all without crossing major highways. With continued residential and commercial growth surrounding SweetBay, this area continues to attract homeowners, second home buyers, and investors alike. Inside, you'll find fresh paint in select areas, durable flooring, newer kitchen appliances including the oven and dishwasher, and a flexible floor plan designed for a variety of living arrangements. A separate den with fireplace creates an ideal second living area, media room, or gathering space, while the converted garage serves as a private fourth bedroom suite complete with its own full bathroom, making it perfect for guests, multigenerational living, a home office, or hobby space. Outside, the property is designed for both functionality and convenience. The circular driveway provides ample parking, while the approximately 14 x 38 covered carport with lighting is ideal for a boat, small RV, trailers, workshop space, or additional covered vehicle parking. Additional exterior features include a covered back patio, storage building, reinforced gates providing easy access throughout the property, and a spacious fully fenced backyard. Whether you're searching for a primary residence, second home, or investment property, this location offers exceptional convenience with SweetBay Town Center, University Academy, hospitals, shopping, Lynn Haven, Panama City, and Panama City Beach all just minutes away. As an added bonus, qualified buyers may have the opportunity to assume the seller's existing VA loan with an attractive 2.5% interest rate, providing a potentially significant financing advantage in today's market. All information is deemed reliable but not guaranteed. Buyer to independently verify all measurements, features, zoning, intended uses, financing options, and any information deemed important.

**NEW PRICE! Seller Offering $15,000 Toward Buyer's Closing Costs, Interest Rate Buydown, or Approved Upgrades!** For qualified buyers, this incentive could be used toward a 3 2 1 interest rate buydown, potentially reducing the first year's estimated mortgage payment only to approximately $1,600 to $1,700 per month. Buyer to verify financing terms and payment estimates with their lender. This 4 bedroom, 3 bath home offers approximately 2,042 square feet of living space on a 0.28 acre fully fenced lot with no HOA, short term rentals permitted, golf cart access to SweetBay, and less than 10 minutes from Panama City Beach. **Property Video Available!** Opportunities offering this combination of location, flexibility, and lifestyle near the rapidly growing SweetBay community are becoming increasingly difficult to find. Located in a quiet, low traffic neighborhood in unincorporated Panama City, residents in this area can legally drive a street legal golf cart directly to SweetBay Town Center to enjoy Publix, restaurants, waterfront gathering spaces, parks, community events, and the popular Sunday Farmers Market, all without crossing major highways. With continued residential and commercial growth surrounding SweetBay, this area continues to attract homeowners, second home buyers, and investors alike. Inside, you'll find fresh paint in select areas, durable flooring, newer kitchen appliances including the oven and dishwasher, and a flexible floor plan designed for a variety of living arrangements. A separate den with fireplace creates an ideal second living area, media room, or gathering space, while the converted garage serves as a private fourth bedroom suite complete with its own full bathroom, making it perfect for guests, multigenerational living, a home office, or hobby space. Outside, the property is designed for both functionality and convenience. The circular driveway provides ample parking, while the approximately 14 x 38 covered carport with lighting is ideal for a boat, small RV, trailers, workshop space, or additional covered vehicle parking. Additional exterior features include a covered back patio, storage building, reinforced gates providing easy access throughout the property, and a spacious fully fenced backyard. Whether you're searching for a primary residence, second home, or investment property, this location offers exceptional convenience with SweetBay Town Center, University Academy, hospitals, shopping, Lynn Haven, Panama City, and Panama City Beach all just minutes away. As an added bonus, qualified buyers may have the opportunity to assume the seller's existing VA loan with an attractive 2.5% interest rate, providing a potentially significant financing advantage in today's market. All information is deemed reliable but not guaranteed. Buyer to independently verify all measurements, features, zoning, intended uses, financing options, and any information deemed important.