Take a look at this spacious 5-bedroom, 3-bath home located in the heart of St. Andrews—one of Panama City's most desirable and walkable neighborhoods. Whether you're searching for a primary residence, second home, or income-producing property, this home checks all the boxes. Designed with flexibility in mind, the generous floor plan offers multiple living spaces and well-sized bedrooms, ideal for large households, guests, or maximizing rental potential. Short-term rentals are allowed, making this an excellent opportunity for investors looking to capitalize on the area's strong demand. Enjoy the charm of St. Andrews with its local shops, restaurants, marina, and waterfront parks, all just minutes away. Convenient access to downtown Panama City and the beaches adds to the home's appeal for both residents and visitors alike. Don't miss this rare opportunity to own a versatile property in a prime location with short-term rental approval in Panama City, FL.