Private pool, spa, major updates, and short-term rental potential in Panama City Beach! Welcome to 3624 Betsy Lane, tucked away in the Upper Grand Lagoon area of Panama City Beach. This 3-bedroom, 2-bath home offers the combination buyers are looking for--an established residential setting, private outdoor space, major system updates, and the flexibility to use the property as a primary residence, second home, or short-term rental. Major improvements include a new roof in 2020, new HVAC in 2020, new windows in 2020, and a new pool pump in 2026, taking care of several of the big-ticket items buyers often ask about. The backyard is where this property really shines. Enjoy your own in-ground swimming pool and spa, surrounded by established olive, orange, and fig trees that give the outdoor space character and a true Florida feel. The pool also has components in place for pool heat; the previous heater was not replaced, giving a future owner the option to add a new heater if desired. Spend the afternoon by the pool, unwind in the spa, pick fresh fruit from your own backyard, or entertain friends after a day at the beach. Inside, the living room offers another unexpected feature--a functional wood-burning fireplace currently concealed by the electric fireplace, giving a future owner the option to uncover and enjoy the home's original fireplace. Located on a dead-end residential street, you're close to the best of the east end of Panama City Beach, including Grand Lagoon, boating, fishing, marinas, restaurants, St. Andrews State Park, the beach, and Naval Support Activity Panama City. Whether you're looking for a full-time home near the water, a PCB getaway, or a property with short-term rental potential, 3624 Betsy Lane offers something increasingly hard to find--a single-family home with a private pool and spa, established backyard, major updates, and no condo lifestyle required. Beach. Boat. Pool. Spa. Backyard. Repeat.