No CREDIT Check & NO Application with the owner financing option! A diamond in the rough with endless potential! Located at 4118 Hoskins Street in Panama City, this property sits on just over half an acre in one of Bay County's fastest-growing areas. Conveniently positioned near the new Publix, McDonald's, and Starbucks, and offering easy access to Highway 231, this location provides the perfect blend of privacy and convenience. There is work to be done, but this one has loads of potential. The property currently features two mobile homes, a shed/workshop, and both private well and septic. With some vision and effort, it could make an excellent investment property, rental setup, or a great site to build your next home. This property is being sold AS-IS and will need to be a cash sale or owner-financed purchase. The seller is offering flexible terms with $15,000 down at 8% interest, a monthly payment of $1,500, and a balloon payment due in three years. If you're looking for a property with space, flexibility, and strong future potential in a rapidly developing area, this one is worth a look.