Seller Offering $10,000 Cash for Closing and Concession. Welcome to this spacious 4-bedroom home in the heart of Panama City, offering over 2,400 square feet of living space on a generous 0.32-acre lot. Located in Island View Estates and directly across from a community park, this property pairs an excellent location with strong investment and lifestyle potential. Whether you're looking to customize a home to your taste or secure your next rental or flip opportunity, the space and versatility here truly stand out. Inside, the home features a large, light-filled living room, a dedicated dining area, and a bright kitchen with abundant cabinetry. The adjoining Florida Room adds valuable flexible space--perfect for casual entertaining, a playroom, or hobbies. The primary suite includes a walk-in closet and an en-suite bath with double vanities and a step-in shower. Three additional bedrooms plus a separate office provide plenty of room for guests, remote work, or multigenerational living. Out back, the fully fenced yard offers even more opportunity. In addition to a detached storage shed, there is a separate building located at the rear of the property with plumbing and electrical already installed, making it ideal for a potential guest suite, home office, workshop, studio, or future income-producing space (buyer to verify permitted use). The yard also provides ample room for gardening, outdoor seating, or future enhancements. An oversized driveway allows for multiple vehicles, RV parking, or boat storage--perfect for taking advantage of nearby public boat ramps with direct access to North Bay. Conveniently located just one mile from University Academy and The Shops at SweetBay, this home offers easy access to dining, shopping, walking trails, waterfront views, and community events, with schools, healthcare, and major roadways close by. With solid bones, generous square footage, and an unbeatable location, this property is ready for its next chapter. An excellent opportunity for investors or buyers seeking space, flexibility, and value--schedule your showing today.