Fisherman's Paradise with Direct GULF ACCESS and no HOA! WATERFRONT on Burnt Mill Creek. This unique property offers the ultimate laid-back Florida waterfront lifestyle. Launch your boat right from your backyard, cruise out to Shell Island, fish from your private dock, or enjoy kayaking, paddleboarding, and jet skiing whenever you want. The spacious waterfront home has water views from almost every room, a large living area that opens to the Florida room, an updated kitchen with granite and custom cabinetry, a screened back porch, plenty of storage. There are two master suites, both with gorgeous water views. The primary suite on the second floor even has its own private screened balcony overlooking the water. Two docks give you plenty of space for boats and water toys, including a covered boathouse with motorized boat lifts and jet ski lift. Enjoy the most beautiful sunsets from the swing on the dock. There's also a fish-cleaning station with power and water to clean the day's catch. Fishing here is excellent, with bass and bream up the creek, redfish and flounder in the bay, and speckled trout right out your back door when winter rolls around. Outside, you'll find shaded decks under mature magnolias, two storage sheds, and a 25' x 20' Carolina carport built in 2024. There's also a separate 1-bedroom, 1-bath cottage with a tenant already in place, giving you immediate rental income. Short-term rentals are allowed. With about 3,667 square feet, there's plenty of space for family, guests, or income opportunities. Super convenient location--just 7 minutes to the airport, 15 minutes to the beach and Lynn Haven, 25 minutes to 30A, and 30 minutes to downtown Panama City. Fish, boat, explore Shell Island, and relax. This is Florida waterfront living at its best. All measurements are approximate and should be verified if important.