110 S Gay Avenue Panama City, FL 32404

* Take advantage of a $10,000 Seller-provided concession that can be applied towards closing costs or a rate buy-down with an acceptable offer, but only for a limited time! *Charming and well-maintained, this home is a fantastic opportunity for a first-time homebuyer, forever home, or investment property! Located just minutes from Tyndall Air Force Base, it also provides easy access to Panama City Beach, Mexico Beach, Veteran's Park, Under the Oaks Park, shopping, dining, and more-all with NO HOA!This property boasts a 2018 roof, hurricane shutters for added security, and a large front yard with a spacious fenced-in backyard featuring a double gate, perfect for RV or boat storage. The backyard includes a beautiful pergola, offering a shaded retreat from the Florida sun. Enjoy year-round relaxation on the screened-in back porch overlooking the backyard, which includes two outbuildings for storage-one of which is partially finished with electric and A/C, ideal for a workshop, home office, or hobby space. A greenhouse is also included for gardening enthusiasts. Though the home is currently connected through public utilities for its water supply, there are two wells on the property. One can be run off an electric pump. The other is an old fashioned manual pump. Inside, you'll find beautiful hardwood floors in the main living area and a functional kitchen with stainless steel appliances.This move-in ready home offers privacy, convenience, and endless possibilities-whether as a primary residence or a rental investment. Don't miss out on this rare find in a prime Gulf Coast location.