Embrace the allure of coastal living with this charming three-story Florida cottage located in the heart of Panama City Beach, just moments away from the sparkling Gulf of Mexico. Nestled in the desirable Panama Dunes community, this delightful home offers both versatility and style -- ideal as a second home or an investment property. This thoughtfully designed cottage features a ground-floor lock-out unit with a separate entrance, kitchenette and full bathroom, providing flexibility for guests or potential rental income. The second floor is dedicated to everyday living, showcasing a spacious kitchen with granite countertops and stainless steel appliances, an inviting living area and a guest bedroom with an adjacent bathroom. The third floor offers a luxurious master suite (cont.)