No HOA, quiet neighborhood, and water view! Just minutes from Tyndall Air Force Base, this location is ideal for military households, first-time buyers, or investment buyers seeking everyday convenience while still enjoying a peaceful, established residential setting. A subtle bay view right from the driveway provides a daily reminder of nearby water access, beautiful sunsets, and relaxed coastal living. Consider this a clean slate for your timeless dream home! Major updates provide peace of mind, including a 2019 roof, HVAC system less than 3 years old, and gas water heater less than a year old. Inside, the home features a functional layout with a dedicated dining room, high ceilings, an electric fireplace that adds warmth and character. Enjoy nearby recreation at Under The Oaks Park, featuring walking paths, playground, disc golf, picnic areas, and scenic bay views beneath mature oaks. For boating and fishing, Smugglers Cove Marina and Gulf Oaks RV Park are just minutes away. Convenient access to shopping, dining, and everyday essentials throughout Callaway and Historic St. Andrews. The revitalized and ever-evolving historic downtown Panama City along Harrison Avenue also offers a vibrant mix of locally owned restaurants, coffee shops, boutiques, and entertainment. Blending restored historic charm with new development, it has quickly become a lively hub for dining, nightlife, and community events--bringing fresh energy to the heart of the city while still honoring its coastal roots. And of course you'll have Panama City Beach's white sand beaches and clear water just a 30 minute drive away!