Vacation Rental or Primary Home? With this property you can just simply say ''Yes'' I can do both even at the same time! Nestled under the sprawling canopy of majestic oak trees, this quintessential southern home embodies charm and modern luxury in the heart of Panama City, Florida. A spacious covered front porch welcomes you into a COMPLETELY, NEWLY RENOVATED haven, boasting a total of 4 bedrooms, plus bunkroom and 3 bathrooms spread across a well-appointed main house, then there is a separate GUEST QUARTERS above the garage featuring its own one bedroom, full bath and full kitchen. Inside the main house, the thoughtful floor plan features four bedrooms, with three conveniently located downstairs and an additional bedroom upstairs with the bunk room. The interior showcases high-quality finishes, including Carrara quartz countertops in the kitchens for both main house and guest house and also equipped the guest house bathroom with the same. Durable tile plank flooring graces all the floors. Cabinets are white shaker style with full extension drawers, soft touch technology. Guest house has a separate, new 2 ton Rheem AC, all window treatments are included, and the bathroom in the guest house and primary bath in the main house have blue tooth technology- even for music , fans and ambient lighting! Renovations have been meticulously executed, ensuring comfort and efficiency with new vinyl double-paned windows that bathe the rooms in natural light. A newly installed 5.5-ton Trane AC system, complete with upgraded HEPA filter technology and all-new ductwork, promises year-round comfort. The 30-year architectural shingle roof ensures durability, complemented by a new back porch and enhanced front porch with charming tongue and groove ceiling. Extra bonus- the GARAGE is HEATED AND COOLED and the garage door is doubly insulated!

Outside, ample driveway space and a covered detached parking area accompany the two-car garage. The entire property is fortified with heavy-duty hurricane protection. The separate guest quarters above the garage epitomize modern living with new Carrara marble porcelain tile flooring, Kohler fixtures, and a fully renovated kitchen equipped with new appliances. Ideal for rental income, the apartment has generated substantial revenue, with $35K+ in provable income from January to date- with six months remaining!

This home represents a rare opportunity to experience southern hospitality amidst contemporary comforts, all within minutes of the Hathaway Bridge and historic downtown St. Andrews. Whether enjoying the serenity of the screened porch or the luxury of newly upgraded amenities, this property stands ready to welcome you into a lifestyle of refined elegance and practical convenience.