*Assumable VA Mortgage, 2.75% Interst Rate* Discover this beautifully updated 4-bedroom, 3-bath home with additional office space in the desirable Callaway Pointe neighborhood of Panama City. Given the upgrades and renovations done to this home it has an Effective Year of 2015. The heart of the home is the newly renovated kitchen, complete with butcher block countertops, stainless steel appliances, including a gas stove! The Office/5th bedroom is the only room in the house with carpet, adding a touch of coziness.
The large living room features charming shiplap walls, a ceiling fan, and a cozy wood-burning fireplace—perfect for relaxing or entertaining. Upstairs, a spacious loft area connects two of the bedrooms, offering additional living space. Ceiling fans are installed throughout the home for year-round comfort. 2-car garage with a new belt-drive garage door opener, plus a powered shed in the backyard for extra storage or workshop needs. The home also comes equipped with a Ring Doorbell and Ring Camera for added security.

The seller is offering a free one-year home warranty through American Home Shield at closing, ensuring peace of mind. This home is located in an X Flood zone (minimal risk), flood insurance should not be required. Energy-efficient gas appliances, stove, water heater, furnace, and dryer, add to the home's appeal.

Home is located just 10 minutes from Tyndall AFB, 30 minutes from the beach, and 40 minutes from Pier Park. You'll also enjoy easy access to nearby outdoor attractions like the Callaway Boat Ramp and "Under The Oaks Park" on the bay, both just minutes away.

This home offers the perfect combination of comfort, convenience, and modern living in a prime location.

Home has a Termite Bond, Roof is 2020, HVAC is Newer, Heater Heater is 2017