CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Discover this beautifully updated home in the heart of historic St. Andrews, perfectly positioned on a spacious lot shaded by majestic heritage oak trees. Just steps away from waterfront dining, the marina, boutique shops, parks, and vibrant local amenities, this home offers the ultimate blend of classic coastal charm and modern convenience in one of Panama City's most desirable neighborhoods. Arrive via a handsome paver driveway to a welcoming front porch featuring fresh paint, all-new windows, and a striking custom front door. The durable concrete block construction and metal roof ensure long-term peace of mind, while the location means no flood insurance is required. Step inside to an impressive open-concept living area anchored by a cozy electric fireplace with custom accent surround. The updated modern kitchen features a large breakfast bar that overlooks the living and dining spaces, creating a perfect flow for entertaining and everyday living. All-new luxury vinyl plank flooring runs throughout the home, complemented by modern LED recessed lighting with soft halo backlighting and upgraded fixtures for a bright, contemporary feel. A convenient walk-in utility room offers backyard access and connects to a small private patio--ideal for morning coffee or outdoor grilling. The thoughtful split-bedroom floor plan delivers privacy and comfort. The spacious primary suite features dual closets and a luxurious walk-in shower. Two additional guest bedrooms share a well-appointed bathroom conveniently located just off the living area. A large, fully fenced backyard is a true highlight--offering plenty of room for a future pool, playground equipment, boat/RV parking, or simply relaxing under the oaks. A storage shed is included for added convenience. This home lives like new thanks to a comprehensive list of updates including: stainless appliances, new air conditioning system, new attic insulation, lighting and plumbing fixtures, windows, doors, paint, floors, and more. Whether you're looking for a primary residence, vacation home, or investment property, this move-in-ready gem delivers classic St. Andrews character with today's modern amenities and low-maintenance living. Enjoy easy access to everything Panama City, St. Andrews, and Panama City Beach have to offer--beaches, boating, dining, and more. Don't miss your opportunity to own this rare find in one of Panama City's most charming waterfront communities.