Looking for land but overwhelmed by permits, wetlands, and all the ''extra stuff'' that usually comes with building? This property already has much of the hard work completed for you. Welcome to 12109 Caruso Drive in Panama City, Florida -- an approximately 0.97-acre homesite with an approved Environmental Resource Permit already in place for a single-family home, pool, garage, yard, and driveway. What does that mean for you? It means the current owner has already gone through the lengthy and expensive environmental permitting process that many buyers don't realize can take months -- sometimes over a year -- to complete. Surveys, environmental studies, wetland evaluations, engineering plans, and mitigation requirements have already been addressed, potentially saving a future buyer significant time, stress, and thousands of dollars in upfront costs. Instead of starting from scratch, you can move forward with a property that already has a development plan approved through the state for a homesite with room for outdoor living and a pool. Public water and sewer are available at the road, along with electric access, making the building process even more convenient. The property offers a peaceful, natural setting while still being close to shopping, schools, dining, and everything Bay County has to offer. Whether you are planning your forever home, a private getaway, or simply investing in land for the future, this parcel offers flexibility and opportunity. Even better -- the seller is offering owner financing with only $14,000 down, making it easier to secure land now without traditional bank financing. Build sooner. Skip months of permitting headaches. Save money on upfront environmental work. And start creating your vision on a property that is already one step ahead.