***Pre-foreclosure / short-sale opportunity***Well-maintained 3 bedroom, 2 bathroom single-family home in the heart of Panama City, Florida. This move-in ready property offers a spacious layout with an oversized living area featuring a fireplace, a two-car garage, and a large fenced backyard with a storage shed. The home comes equipped with paid-off solar panels for reduced energy costs and custom hurricane shutters for added storm protection -- two high-demand features that provide long-term value and peace of mind. Major updates include a roof replaced in 2019 and a water heater approximately 3 to 4 years old. Conveniently located close to shopping, restaurants, and everyday amenities, with easy access to the beach approximately 15 minutes away. A solid, well-kept home with meaningful upgrades already in place -- ready for its next owner.