**LENDER INCENTIVES include Closing cost credit and/or rate buy down available from preferred Lender OR 2.99% ASSUMABLE VA MORTGAGE FOR QUALIFIED VA BUYERS. Contact Listing Agent for more information.** Imagine living in a home where your backyard feels like a private retreat and the beach is just minutes away. Welcome to 1914 Clay Avenue. Perfectly positioned between Historic St. Andrews and Downtown Panama City, this fully remodeled Florida cottage offers 2,028 square feet of stylish living space with upgrades designed for effortless everyday living, with a brand new roof and HVAC system. No HOA, minutes to the marina, shopping, dining, and Panama City's sugar white beaches. Inside, you'll find versatile living spaces, including multiple living areas perfect for gathering and an open dining area that flows seamlessly into a beautifully updated kitchen, a pantry, and a breakfast bar ideal for casual meals or entertaining. Luxury vinyl plank and tile flooring add both durability and style throughout. The primary suite is spacious and has a walk in closet. Two additional bedrooms offer flexibility for a home office, guest space, or personal gym, while both bathrooms have been remodeled with modern finishes. Step outside to a covered deck overlooking a fully fenced, oversized backyard perfect for morning coffee, weekend barbecues, or relaxed evenings under the stars. Additional features include a covered carport, extra driveway parking, and a tankless gas water heater. Don't miss the opportunity to experience this thoughtfully remodeled, energy efficient home. Call today to schedule your private tour.