Just 0.7 miles from Public Beach Access 13, this beautifully maintained 3-bedroom, 2-bath home offers the space, privacy, and outdoor living that make Panama City Beach living so appealing--with no HOA. From the inviting tropical landscaping to the soaring ceilings and light-filled interior, the home makes a strong impression from the moment you arrive. Inside, the open layout features impressive ceiling heights, oversized windows, and new luxury vinyl plank flooring throughout the main living areas. The kitchen is both functional and inviting, with abundant cabinetry, stainless steel appliances, quartz countertops, a large island with a deep single-basin sink, and a glass-and-stone mosaic backsplash. The adjoining dining area overlooks the backyard and flows naturally into the spacious living room. The primary suite offers a tray ceiling, walk-in closet, and private bath with a soaking tub, separate shower, dual vanity, and quartz countertop. The guest bath has also been updated with a quartz vanity and contemporary finishes. The backyard is where this home truly stands out. Fully fenced and surrounded by mature landscaping, it features multiple paver areas, a covered patio, and a substantial pergola with a metal roof, ceiling fan, lighting, and fire table--an ideal setting for morning coffee, outdoor dining, or evenings with friends. There is also a separate patio area for additional outdoor seating and entertaining. Fresh exterior paint, a refreshed white-rock yard and driveway, and a 2-car garage complete the property. The generous driveway provides ample parking, with potential boat parking, subject to applicable regulations. The roof was replaced in May 2026. Enjoy the convenience of being close to the Gulf, dining, shopping, boating, and entertainment while coming home to a quiet residential setting. With no HOA, a new roof, exceptional outdoor living, and the beach just minutes away, this is a property that offers both lifestyle and flexibility.