100% CONVENTIONAL FINANCE with no MORTGAGE INSURANCE and up to a $5,500 lender credit!!!! THAT MEANS NO MONEY OUT OF POCKET!! You might be curious why? Well, that's because the property is in ''modern income area'' which allows certain lenders to incentivize qualified buyers.to purchase THIS home with NO MONEY DOWN!!!! LOCATION, LOCATION, LOCATION! If being close to the action is on your wish list, this is where it gets exciting! Just 3 minutes from Downtown Panama City, this 2025-built home puts you right in the middle of the places you actually want to be. Start your morning with a coffee from The Press, meet friends for lunch at Ferrucci's, squeeze in a workout at ESTR--the hottest gym in Bay County, and still be home in time to freshen up before heading back downtown for dinner, cocktails, live music, or a night out. When your favorite spots are this close, you don't have to plan your life around the drive--you can simply enjoy it. On the weekends, take a leisurely stroll to the farmers market, grab something fresh from a local vendor, wander downtown, and see where the day takes you. From neighborhood restaurants and breweries to buzzing bars, coffee shops, fitness, shopping, and waterfront spots, there's always another favorite place to discover. This is the kind of location where your ''usual spots'' start to become part of your lifestyle. And the location doesn't stop at Downtown. You're centrally positioned to enjoy the best of Panama City without feeling tied to one part of town. The beach is just a short drive away, while Tyndall Air Force Base is approximately 20 minutes away, making this location incredibly convenient for work, weekends, and everything in between. Dinner downtown? Easy. Your morning workout? Close. A Saturday at the farmers market? Take a stroll. Heading to Tyndall? Convenient. This is the kind of central location that makes everyday life feel effortless--and a whole lot more fun. Whether you're looking for a primary residence, second home, or investment opportunity, this one gives you the opportunity to truly live the Panama City lifestyle. You get the fresh feel of a 2025-built home, the convenience of being minutes from Downtown, and the freedom to enjoy everything around you without spending your life in the car. Modern home. Incredible location. Your favorite places just minutes away. This is the one you'll want to see.