New construction just blocks from downtown Panama City with modern design, durable materials, and income potential. This two story home offers 3 bedrooms, 2.5 bathrooms, 1,582 square feet, and a 1 car garage. All bedrooms are located upstairs, creating a clear separation between living and private space. The main level features White Oak luxury vinyl plank flooring and matching White Oak stair rail accents. The kitchen is designed to stand out with quartz countertops, custom cabinetry, brushed gold hardware, stainless steel appliances, designer lighting, and a walk in pantry. Upstairs, the primary suite includes a tray ceiling, double vanity, walk in shower, and a spacious layout. Bathrooms feature tile flooring and upgraded finishes throughout. Additional features include a functional mudroom off the garage, large under stair storage, 2x6 exterior wall construction, and added insulation between floors for sound reduction. Irrigation system already installed. Situated on a deep 33 x 150 lot with alley access and zoned MU-3, offering potential for an accessory dwelling unit. Ideal for rental income, house hacking, guest space, or long term flexibility. Buyer to verify zoning and ADU requirements. Located near downtown Panama City restaurants, marina access, and local events, with a short drive to Tyndall Air Force Base and Panama City Beach. Up to $5,500 lender credit available for qualified buyers. Schedule your showing today.