COASTAL CHARM, NO HOA, AND A LOCATION THAT PUTS PANAMA CITY BEACH AT YOUR FINGERTIPS! This Craftsman-style home at Gulf Highlands pairs relaxed beach style with everyday convenience, just minutes from Pier Park, the West End beaches, and Frank Brown Park.The crisp white exterior, metal roof, rustic shutters, and Leaf Filter Gutter Guards combine curb appeal with low-maintenance features. Inside, the bright, open floor plan creates an easy flow between the kitchen and living spaces. The kitchen is both stylish and functional, featuring white quartz countertops, generous cabinetry, ample workspace, and Smart Stainless Steel Appliances that bring added convenience to everyday living. Tray ceilings in the living area and primary bedroom add character and dimension while enhancing the home's open, airy feel. Outside, there's even more to appreciate. The landscaped yard features a sprinkler system and offers plenty of room for entertaining, relaxing, or enjoying the Florida sunshine. A backyard STORAGE BUILDING WITH SHELVING provides a convenient place for lawn equipment, beach gear, tools, and more. EXTRA PARKING has been added with pavers, giving you additional space for vehicles, guests, or a golf cart. The garage door opener is also included for added convenience. When you're ready to get out and explore, you're close to some of the best of PCB. Take a short walk to Scott Field Park with a playground, basketball court and pavilion with picnic tables. Enjoy easy access to Frank Brown Park, nearby walking and biking trails, the dog park, community pool, shopping, restaurants, entertainment, and the sugar-white sands of Panama City Beach. Best of all, there is NO HOA and NO FLOOD INSURANCE REQUIRED, giving you more freedom and fewer ongoing expenses. Whether you're looking for a primary residence, beach-area retreat, or simply a home that keeps you close to everything you love about PCB, this one deserves a closer look!