$40,000 PRICE IMPROVEMENT! USE THE SAVINGS TOWARD YOUR DREAM POOL! Welcome to this 3-bedroom, 2.5-bath Panama City Beach home offering the coastal lifestyle buyers are looking for with NO HOA. Built in 2018, this well-designed split-floor-plan home features a durable metal roof, PAID-OFF solar panels, Hardie board siding, LeafGuard gutters and several fruit-bearing trees. With room to create your own backyard retreat, imagine adding a pool and enjoying your own private Florida oasis! Inside, the open-concept floor plan creates an easy flow between the living, dining and kitchen areas, with tile flooring throughout the main living space. The private primary suite features a spacious walk-in closet and en-suite bathroom with a double vanity and walk-in tub. Two additional bedrooms are located separately, providing privacy and flexibility for family, guests, a home office or vacation retreat. Located near St. Andrews State Park, public beach accesses, boat ramps, restaurants, shopping and entertainment, this home puts you close to the Gulf and some of Panama City Beach's most popular outdoor recreation. Spend your days boating, fishing or relaxing on the white-sand beaches, then come home and enjoy the privacy of your own property without HOA restrictions. Whether you're searching for a primary residence, second home or Panama City Beach property with no HOA, this home offers an excellent combination of location, energy-efficient features, low-maintenance exterior upgrades and the opportunity to create the backyard you've always wanted. Enjoy easy access to boating, fishing, beaches, dining and everything that makes Panama City Beach living so desirable. Contact your agent to schedule a private showing today. All sizes and measurements are approximate; buyer to verify all information deemed important.