CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS !MOVE IN READY HOME! Welcome to coastal charm and opportunity at 100 N Church Ave in Panama City! This freshly painted and absolutely adorable Florida cottage sits on a desirable corner lot just steps from the water, offering the perfect blend of lifestyle and investment potential. Built in 1950 and thoughtfully maintained, this 2-bedroom, 1.5-bath home features 926 square feet of inviting living space with timeless character and durable construction. As you arrive, you're greeted by an open front porch that faces the water--an ideal spot to enjoy morning coffee while overlooking the nearby marina. Boating enthusiasts will love being just 0.1 miles from a public boat ramp, making it incredibly easy to get out on the water at a moment's notice. This location places you right in the heart of a thriving boating community. Inside, the home offers a functional layout with cozy living spaces and plenty of natural light. The kitchen is equipped with a gas stove, and the home also features a gas tankless water heater for added efficiency and on-demand hot water. Step out back to a large covered porch overlooking the fully fenced backyard--perfect for entertaining, relaxing, or storing your outdoor gear. The property also includes a detached one-car garage, ideal for boat storage, a workshop, or additional storage space. This home is built with longevity in mind, featuring pier and beam construction, durable Hardie board siding, a metal roof, and Carolina shutters throughout--providing both charm and added protection. City water and sewer services add to the convenience. Whether you're looking for a primary residence, a second home, or an income-producing property, this one checks the boxes. With its prime location and proximity to the water, this home offers excellent short-term rental potential (buyer to verify local regulations). Conveniently located approximately 6 miles to Tyndall Air Force Base, 10 miles to downtown Panama City, 18 miles to Panama City Beach and Pier Park, and about 20 miles to Northwest Florida Beaches International Airport (ECP), you're never far from work, travel, dining, and entertainment. Don't miss your chance to own a piece of Old Florida charm with modern-day possibilities!