'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' Welcome to 3816 Quarts Street in Panama City Beach, FL--a prime opportunity to own a beach home near the Gulf of America with strong short-term rental potential and no HOA. This 2-bedroom, 2-bath townhome in Panama City Beach features a traditional floor plan with defined living spaces, offering separate living, dining, and kitchen areas for added privacy and functionality. The living area provides a comfortable and efficient space that's easy to maintain--ideal for a vacation home, second home, or income-producing rental property. A standout feature is that this property is connected to city sewer, a rare and highly desirable advantage in this area where many homes rely on septic systems--offering added convenience, lower maintenance, and long-term value. Step outside to enjoy an impressive private backyard measuring approximately 56' deep by 19' wide, providing ample space for outdoor living, entertaining, or future enhancements. Extending from the rear of the home is a 17' x 16' wooden deck, perfect for grilling, relaxing, or hosting guests after a day at the beach. The kitchen offers ample cabinetry and workspace, while upstairs bedrooms provide natural light and a practical layout suited for guests or renters. Located just minutes from public beach access in Panama City Beach, you're a short walk or golf cart ride to the white sand beaches and emerald waters of the Gulf Coast. Boating enthusiasts will love the proximity to the Dolphin Street boat ramp, a public boat launch located less than one mile away--making it easy to get out on the water for fishing, cruising, or waterfront dining. With short-term rentals allowed in Panama City Beach and no HOA restrictions, this property is ideal for investors seeking a Panama City Beach vacation rental, second home buyers, or anyone looking for an affordable Florida beach property near the Gulf. Don't miss your opportunity to own in one of the Gulf Coast's most sought-after beach communities.