Completely remodeled in 2023 with NO HOA, this move-in ready 3-bedroom, 2-bathroom townhome is strategically positioned in a quiet pocket right between Historic St. Andrews and revitalized Downtown Panama City! Located just a short distance from the Bay, local schools, and the public library, this property offers unmatched convenience with zero HOA fees or restrictive rules. You are just minutes in either direction from Beck Avenue dining, the St. Andrews Marina, Harrison Avenue shopping, local events, and waterfront parks. Inside, enjoy modern contemporary finishes throughout a spacious, functional floor plan featuring durable high-traffic flooring in main living areas, a convenient main-floor bedroom option, an updated kitchen with ample cabinet storage, and well-proportioned guest rooms perfect for a home office or flex space. Thoughtful upgrades and quality craftsmanship from the 2023 renovation shine throughout every room, making this home truly plug-and-play. Step outside to unwind on your private covered back porch overlooking a low-maintenance yard space perfect for relaxing or weekend cookouts. Whether you are looking for a turn-key primary residence, a low-stress long-term investment property, or a stylish starter home, this location delivers effortless coastal living with quick commutes to Hwy 98, Gulf Coast State College, and local military bases.