100% FINANCING AVAILABLE with local lender - Property is subject of a court proceeding pursuant to Ch. 64, Fla. Stat., Uniform Partition of Heirs Property Act, with a court-determined value of $229K, & subject to reporting reqs. of 64.111. *** This unique retro home with terrazzo flooring has 3 bedrooms, and 2 full bathrooms with indoor laundry room and attached 2 car garage. The living room features a classic fireplace with a hearth large enough to sit at, and large picture windows facing north providing soft year-round indirect sunlight. The sliding glass door off the dining room leads to the expansive backyard, located on the corner of Kelly Ave and Garden Club Dr. Roof was replaced in 2019. This home sits on 3 lots totaling 0.34 acres. Only 1 block from Bay Memorial Park and just a few blocks from the beaches of St. Andrews Bay, boatable waters, coves, outstanding schools, village shops, great restaurants, and downtown Panama City, FL. All Information is deemed to be reliable, but is not guaranteed, buyer to verify if important.