This move-in ready 4-bedroom, 3.5-bath home offers a low-maintenance coastal lifestyle in a gated community full of resort-style amenities. Featuring durable Hardie Plank siding, paver-finished sidewalks, and rear parking, the home also offers outdoor living with a private second-story balcony overlooking the beautiful surroundings.Inside, the open-concept main floor features hardwood floors throughout, a stylish kitchen with granite countertops, stainless steel appliances, beautiful white cabinetry, and a large pantry. The first floor includes a private guest suite that lives like a second master, complete with its own en-suite bathroom and added half bath for guests. Upstairs, the spacious master suite offers two walk-in closets, a luxurious en-suite bath with dual vanities, a tiled shower, a large soaking tub, and access to the private balcony. Two additional bedrooms share a full bath, and the laundry room is conveniently located upstairs.Magnolia Bay Club residents enjoy private access to St. Andrews Bay, ideal for kayaking, paddleboarding, and fishing. Community amenities include a bayfront resort-style pool, fitness center, event room, two parks, a dock, scenic walking trails, and kayak and bike storage. HOA fees cover lawn maintenance, irrigation water, and trash service, providing a truly easy living experience.Conveniently located near a premier golf course, marinas, St. Andrews State Park, top-rated schools, grocery stores, local restaurants, boutique shops, and the Navy base -- plus just minutes from the sugar-white beaches of Panama City Beach.Don't miss this opportunity to enjoy luxury coastal living -- schedule your private showing today!