The seller is offering $10,000 in concessions towards closing costs or a rate buy-down!! Welcome to this beautifully renovated 4-bedroom, 2-bathroom home in Panama City, where modern luxury meets ideal convenience. This home boasts a no HOA lifestyle, offering you the freedom and flexibility that many desire. Step inside to discover a thoughtfully renovated interior featuring brand-new LVP flooring and stunning quartz countertops that add a touch of elegance throughout. Every detail has been meticulously crafted to create a space that's both stylish and functional. Nestled in a prime location near the picturesque Pretty Buyou and Shoreline Buyou of the Grand Lagoon, this home offers easy access to natural beauty and outdoor activities. Enjoy the convenience of being just minutes from Walmart, Sam's Club, and a short drive to the historic St. Andrews area and Panama City Beach. Outside, you'll find a large fenced-in backyard, perfect for privacy and relaxation. A storage shed and corner lot provides extra space for all your needs! The roof, HVAC, and water tank are less than 5 years old adding an additional peace of mind!! Don't miss out on this incredible chance to own a luxurious, move-in-ready home in Panama City!