VA BUYERS CAN TAKE ADVANTAGE OF AN ASSUMABLE MORTGAGE AT ONLY 3.75%! Welcome to 328 Johnson Bayou Drive in the desirable Breakfast Point community of Panama City Beach! This stunning 4-bedroom, 3-bath, 2,672 sq ft home also includes a dedicated office/bonus room with French doors and a separate dining area, offering both elegance and flexibility for modern living. As you enter through the front door, you are greeted by a 10-foot ceiling in the foyer and 20''x20'' tile flooring that extends through the main living areas. The second bedroom, located at the front of the home, features its own private bathroom—ideal for guests or multi-generational living. The open floor plan is bathed in natural light from large windows and showcases a designer kitchen with upgraded Tahoe Cherry Bordeaux cabinets, Ashen granite countertops, custom tile backsplash, stainless steel appliances, and an oversized island perfect for entertaining or casual family gatherings. The kitchen flows effortlessly into the breakfast area and spacious family room, creating the ultimate entertaining hub. The luxurious primary suite is tucked at the rear of the home, complete with large windows overlooking a tranquil conservation area. The spa-like bathroom offers a super shower and leads to an oversized custom closet with built-in shelving—a perfect layout for multiple people to share with plenty of organization and storage. Step outside to enjoy your morning coffee on the covered, screened back porch with no neighbors behind—just peace, privacy, and natural beauty. This home is also ideally situated across from a community park and located in one of the quietest sections of Breakfast Point, farthest from the main entrance. There is additional parking for guests located just across the street as well as a kiosk for mail for added convenience. Families will appreciate the unmatched convenience of having Breakfast Point Academy (K-8) and Arnold High School nearby, with the Academy being the only ''A''-rated K-8 school on the beach. Shopping, dining, and everyday conveniences are just a quick golf cart ride away. This property combines modern upgrades, an unbeatable location, and the rare opportunity for VA buyers to secure an assumable low-interest mortgage at 3.75%—a true advantage in today's market!