Affordable 3 bed, 1 bath Florida cottage on a fully fenced lot in central Panama City, a fit for a first home or an investment. The 925 sq ft layout offers a covered front porch, a living room open to the dining area and kitchen, three bedrooms off a central hall, and an enclosed 17 x 8 rear laundry room with extra storage and work space. Central air, tile and vinyl plank flooring, vinyl siding and a dimensional shingle roof. The chain-link fence surrounds the yard, great for pets, gardening or outdoor time. Located in unincorporated Bay County, where short-term rentals are permitted with a county certificate, so this home works as a primary residence, long-term rental, vacation rental or cosmetic flip. Sold as-is, vacant and ready for quick possession. New construction on neighboring streets shows the area is growing, with easy access to US 98. Floor plan in photos. Buyer to verify all rental licensing and use requirements.