Looking for a move-in-ready new construction home in Panama City with no HOA and the flexibility to use it as a primary residence, second home, vacation getaway, Airbnb, or income-producing rental? This spacious 4-bedroom, 3-bath townhome offers a rare combination of modern finishes, flexible living space, and investment potential--all just minutes from Tyndall Air Force Base and Panama City Beach. Step inside and immediately notice that this is not your typical townhome. The spacious open-concept floor plan offers generous living and dining areas with luxury vinyl plank flooring and plenty of room for everyday living, entertaining, or hosting guests. The modern kitchen is designed to impress with white shaker cabinetry, soft-close drawers, quartz countertops, stainless steel appliances, a large center island with additional seating and prep space, and an oversized walk-in pantry. One of the home's most desirable features is the FIRST-FLOOR BEDROOM with convenient access to a FULL BATHROOM--a hard-to-find feature that provides excellent flexibility for overnight guests, multi-generational living, a private home office, or anyone who prefers a bedroom on the main level. Upstairs, the split-bedroom floor plan provides additional privacy. The spacious primary suite features a large walk-in closet and private en-suite bathroom with dual vanities and quartz countertops. Two additional generously sized bedrooms, another full bathroom, and a conveniently located upstairs laundry room complete the second floor. Enjoy Florida living from the covered back porch overlooking the backyard, with space for grilling, relaxing, entertaining, or creating your own outdoor retreat. Built with durability, efficiency, and low-maintenance living in mind, the home features Hardie® Board siding, a Rheem® tankless water heater, a fully sodded yard, a one-year builder warranty, and a 10-year structural warranty. LOCATION MATTERS! Conveniently located just off Highway 231, this Panama City home provides quick access to grocery stores, shopping, restaurants, schools, medical facilities, and everyday conveniences. Tyndall Air Force Base is approximately 18 minutes away, while the sugar-white beaches of Panama City Beach are approximately 20 minutes away. With NO HOA and SHORT-TERM RENTALS ALLOWED, this property offers exceptional flexibility for homeowners and investors alike. Whether you're searching for new construction near Tyndall AFB, a Panama City investment property, an Airbnb or vacation rental opportunity, a second home near Panama City Beach, or simply a beautiful move-in-ready home with plenty of space, this property deserves a closer look.