Discover the essence of modern luxury living in this newly-constructed townhome, ideally situated in the heart of the vibrant streets of Historic St. Andrews in Panama City, Florida! This prime location ALLOWS SHORT TERM RENTALS, has NO HOA and offers easy access to exquisite locally owned and operated restaurants and bars, trendy shopping boutiques, public marina with boat launch and just steps from the beautiful St. Andrews Bay accessible by Oaks by the Bay public park. Boasting a modern aesthetic, this 2023-built townhome stands out with stunning design and unique curb appeal featuring wood-clad siding and modern exterior doors. Step inside to find a thoughtfully designed, open-concept layout on the main level, offering a seamless blend of kitchen, dining, and living space overlooking a backyard open deck. A convenient half bathroom is also located on this level, great for guests while you're entertaining. The back deck invites you to savor a morning coffee or unwind with an afternoon glass of wine, surrounded by tranquility of breezes coming off the Bay, just blocks away. The kitchen offers a large island surrounded by modern, white shaker cabinetry, stainless-steel appliances and quartz countertops complete with champagne bronze fixtures and hardware. The flooring on the main level is consistent throughout with a beautiful, luxury large scale marble-look tile. Additional storage can be found in the area below the staircase and the one-car garage is ideal for a great storage area for your vehicle, bikes or water toys for the beach! An incredible feature of this garage is that it is heated/cooled with an insulated garage door making it a versatile space perfect for a home office, home gym or your own game room which is really ideal for guests staying at short term rental investment properties! Upstairs, you'll find a split floor plan offering an expansive 16' x 16' primary suite that is a true sanctuary. This bedroom has large, awning-covered windows which give privacy but still allow the room to be flooded with natural light. The primary bathroom is elegantly appointed with double vanities, large LED mirror, a walk-in tiled shower with a glass enclosure, and champagne bronze fixtures. A spacious walk-in closet in the bedroom completes the primary retreat providing ample storage and luxury design. You'll even enjoy waking up to water views from the Bay in your primary suite on a clear day! Two additional bedrooms are located on the upper level along with a full bathroom with tiled shower, double vanities - great for guests or family that share a bath. The laundry room is also on the upper level. This townhome offers NO HOA fees and was constructed in 2023, making this an attractive option to keep the cost of living low and little to no maintenance at all. In addition, the allowance for short-term rentals presents a lucrative investment opportunity for those looking to capitalize on the Historic St. Andrews area's popularity with short term rental projections ranging from $35,000 - $40,000 annually. This location cannot be beat as you are within 2 blocks to locally renowned establishments such as Hunt's Oyster Bar, St. Andrews Bodega, Drew's Ice Cream, Amavida Coffee, Uncle Ernies Bayfront Grill, Burgunbarrel, Slice House, The Captains Table, Sunjammers, Alice's on Bayview, The Grocery and so much more! Historic St. Andrews is also well-known for its community events, holiday parades and weekend waterfront farmers markets. You will truly be living your best life and be able to walk anywhere you'd like to be day or night! This home is also just a few minute drive from the beautiful white sandy beaches and turquoise waters of Panama City Beach! Immerse yourself in small town charm and the elegance of Historic St. Andrews, where modern luxury meets historic allure. Whether you're seeking a peaceful residence or a sound investment, this townhome offers the best of both worlds.