**4.625% VA Assumable loan** Newly Built Coastal Charm. This 3-bedroom, 2-bathroom home boasts nearly 1,400 sq. ft. of heated and cooled space. You'll love the convenience of the location close to historic downtown Panama City, Saint Andrews, Tyndall Air Force Base, marinas, and all of your day-to-day activities. The exterior features a Hardy board finish, a spacious covered porch, a fenced-in yard, and a large back patio. Inside, you'll find vinyl plank floors throughout, an open kitchen with stainless steel appliances, quartz countertops, and a spacious breakfast bar. The master bedroom, with vaulted ceilings, offers a grand feel. You'll also appreciate the large walk-in closet and master bathroom with a double vanity and standalone shower. The two additional bedrooms provide plenty of space for family and guests. Other highlights include smart home features, security cameras, metal framing for added protection, and additional insulation for energy efficiency. For added convenience, the home has a full-size laundry room. Discover the perfect blend of modern amenities and coastal living in this beautiful new home.