Seller offering $20,000 towards rate buy down or closing cost. Preferred lender will contribute and additional 1%. Welcome to this stunning custom home located on the renowned Jack Nicklaus Golf Course in the gated Bay Point community of Panama City Beach. Offering over 4,400 square feet of thoughtfully designed living space, this property combines upscale comfort with resort style amenities. Golf pro shop, Neon's restaurant and sushi bar, Hilton Bayside resort is walking distance with multiple restaurants. Step inside to soaring ceilings, a gas fireplace, and an open floor plan perfect for both relaxing and entertaining. The chef's kitchen flows seamlessly into spacious living and dining areas, and a full bar with wine fridge sets the stage for unforgettable gatherings. Upstairs, an additional kitchenette with full size refrigerator and dishwasher, and built in bunk room provide added convenience for guests or multigenerational living. Outside, enjoy your private backyard retreat complete with a heated pool, outdoor kitchen, and views of the lush golf course. After a long day, unwind in the sauna or enjoy a quiet moment in the beautifully landscaped shared green space of Dragon Circle just steps awaycomplete with a playground. Additional features include a tankless water heater, two car garage plus golf cart side door, spray foamed attic for energy efficiency, and premium finishes throughout. Bay Point offers 24 hour security, a world class marina, tennis courts, and a relaxed coastal lifestyle just minutes from the beach. Experience the best of Florida livingschedule your private showing today.