SELLER OFFERING $13,000 IN CONCESSIONS + NO HOA + BAY VIEWS. Just minutes from Tyndall Air Force Base, this well-located home offers convenience, flexibility, and coastal charm in a peaceful established neighborhood. Whether you're searching for a primary residence, investment opportunity, first home, or an off-base property near Tyndall AFB, this home provides an excellent opportunity to make it your own. A subtle bay view from the driveway offers a daily reminder of nearby water access, beautiful sunsets, and relaxed coastal living. The spacious corner lot features a fully fenced backyard, providing added privacy and plenty of room for outdoor enjoyment, pets, entertaining, or creating your own private retreat. Take advantage of the double car garage with custom-built workbench and outdoor storage shed. Major updates provide peace of mind, including a 2019 roof, 2022 HVAC system, and 2025 gas water heater. Inside, the home features a functional layout with a dedicated dining room, vaulted ceilings, and an electric fireplace adding warmth and character to the living space. The brick foundation offers timeless appeal and a durable construction feature designed for long-term enjoyment. Located just 1 minute from Under The Oaks Park, Smuggler's Cove Marina, and Gulf Oaks RV Park, outdoor recreation is right at your fingertips. Enjoy walking paths, playgrounds, disc golf, picnic areas, boat ramps, fishing spots, and scenic bay views beneath beautiful historic oak trees. Conveniently located near Callaway's growing shopping and dining options, Historic St. Andrews, revitalized downtown Panama City, and just a short drive to Panama City Beach's world-famous white sand beaches and emerald waters. This home offers the location, flexibility, and lifestyle you've been looking for.