Bring the boat, pack a swimsuit, and start enjoying the Forgotten Coast! Offered fully furnished, this updated 3-bedroom, 2-bath coastal cottage sits on THREE CORNER LOTS in the heart of Panacea, offering access from both Koch Street and Hardee Avenue. Currently operated as a short-term rental, the property presents an opportunity for buyers seeking a furnished coastal getaway, full-time residence, or income-producing vacation rental. POTENTIAL SELLER FINANCING WITH 20% DOWN! The fenced outdoor space is designed for relaxed coastal living, complete with a large swimming pool, covered deck, and plenty of room to entertain, grill, or unwind after a day on the water. A pole barn and separate storage shed provide valuable space for boat storage, fishing equipment, and recreational gear. Located just minutes from Rock Landing, public boat launches, restaurants, parks, and area beaches, with the local favorite Posey's Steam Room within walking distance. Enjoy fishing, boating, kayaking, and exploring everything this unique stretch of Florida's Gulf Coast has to offer. With three corner lots, dual street access, included furnishings, a private pool, and potential owner financing, this property offers a flexible opportunity to enjoy coastal living or continue its use as a vacation rental. Buyer to verify short-term rental requirements and suitability for intended use.