step inside this coastal gem--no HOA, no fees, and short-term rentals are allowed! Just a short stroll from direct bay access, this charming 4-bedroom, 3-bath home blends modern upgrades with timeless coastal character. From the stucco exterior to the bright and airy interior, every detail has been thoughtfully curated for style, comfort, and function. The home is truly move-in ready, featuring double-pane windows, updated systems, and flowing layout. The gourmet kitchen impresses with stainless steel appliances, quartz countertops, a decorative backsplash, and upscale lighting that elevates every meal. All three bathrooms have been tastefully renovated, and the spacious family room offers custom built-ins, a cozy fireplace, and a planked ceiling--perfect for relaxing or entertaining. Sunlight pours in throughout, with bay views visible from both the sunroom and family room. Outside, enjoy a covered porch and deck surrounded by lush landscaping, ideal for quiet mornings or evening gatherings. Located on a peaceful corner lot in the sought-after Bayview Heights neighborhood, you're walking distance to the FSU Panama City campus and just minutes from St. Andrews Bay, local beaches, downtown dining, shopping, and scenic boat launches. For kayaking or canoeing, bay access is only 100 yards away. Boaters will also love the proximity to the Shoreline Circle public boat ramp on Pretty Bayou, offering a single-lane concrete launch, courtesy dock, and limited trailer parking--all open 24 hours for your convenience. Whether you're seeking a serene full-time residence or a high-performing investment, this home checks every box with charm and versatility to spare.