Experience coastal luxury at its finest in this fully renovated 3-bedroom, 3.5-bath waterfront home nestled along Scenic Beach Drive in Panama City. Perfectly positioned on nearly half an acre overlooking St. Andrews Bay, this single-story ranch-style retreat offers modern elegance, effortless living, and unbeatable water views from nearly every room. Step inside to discover 2,600+ square feet of open-concept living, completely reimagined with high-end finishes and bright, airy design. The chef's kitchen features a spacious island, quartz countertops, and premium appliances—perfect for both entertaining and everyday living. Floor-to-ceiling bi-fold glass doors span the sitting room, inviting natural light and panoramic bayfront sunsets year-round. Each bedroom features its own private en suite bathroom, while the expansive primary suite offers stunning bay views, a spa-style bath with zero-entry shower, dual vanities, and a custom walk-in closet. Outside, your personal paradise awaits—enjoy evenings by the fire pit, build your dream pool, or relax while watching fireworks light up the bay on the 4th of July. Located between Historic St. Andrews and Downtown Panama City, this home places you minutes from local marinas, boutique shopping, farmers markets, and waterfront dining. Stroll or bike along Beach Drive, launch a kayak from your backyard, or simply unwind in one of the most sought-after coastal neighborhoods in the area. With no HOA, a two-car garage, and deeded Bay access, this exceptional property offers a rare chance to live the quintessential Florida waterfront lifestyle—where every day feels like a getaway. **2026 Move-in Special! $1,250 off 1st month's rent!** * 1/2 off deposit for active duty military* **Listed For Sale or Rent**