Welcome to 109 Saw Grass Way, a beautiful 4-bedroom, 2-bathroom residence tucked into the scenic and highly desirable Villages of Mill Bayou in Panama City, FL. Situated on a premium waterfront lot, this home offers a peaceful, established backdrop paired with an array of attractive interior upgrades. Inside, you'll find an inviting open floor plan featuring durable LVP flooring, custom cabinetry, and a large living area that flows effortlessly into a spacious kitchen and breakfast nook layout. The kitchen and bathrooms both shine with sleek granite countertops, complete with a functional breakfast bar for easy dining, while the primary bath features a relaxing soaking tub. Beyond your back door, enjoy a fenced yard and no rear neighbors just a peaceful waterview. The Mill Bayou community invites an active lifestyle with access to kayaking, fishing, sidewalks, and a community pool, all while being just a stone's throw from the top-rated schools, shopping. dining and more. Tour today!