HOA $271/month!! Hot tub will be included in sale! Well maintained, tastefully decorated with extras . . . . all in desirable Waterfall Community adjacent to large wooded area. . . . makes this a secluded retreat on PCB. Across from Arnold High School, walking distance/golf cart ride to the beach and MB Miller Pier, 4.5 miles to Pier Park for shopping and/or concerts or 4.5 miles to Panama CIty/FSU and Gulf Coast College. Whether you are looking for a 2nd home at the beach (monthly rentals permitted), home for your college student or a primary home with easy access to grocery shopping and restaurants without using Hwy 98 - this one is ideal! Custom built in storage in pantry and master closet plus storage under the stairwell and in the attic! Downstairs has 10 ft ceilings and all LPV for easy beach living. All 3 bedrooms upstairs with 2 full baths . . . master with vaulted ceilings has a view of a pond and 480 acres of woods providing a peaceful and serene setting. The back yard is perfect for grilling and relaxing. All this and just a short distance (with sidewalk access) to the community pool, community center and extra parking for guests. HOA includes yard maintenance, structure and flood insurance, trash services, use of community amenities and plenty of green spaces.