Rare Offering: 21-Acre Private Estate | Equestrian Friendly | Owner Financing Available Welcome to 2601 Highway 20 E, a once-in-a-lifetime opportunity to own a breathtaking private estate in Panama City, Florida. Equestrian friendly and set behind a grand 14-foot private gate surrounded by over 21 acres, all new planted pines in 2023, and a private spring-fed lake, this custom-built home offers the perfect balance of luxury, functionality, and country living. Built in 2007 by renowned builder Rita Jones, with quality and craftsmanship at its core, this expansive 6-bedroom, 6 full bath, 2 half bath estate boasts over 7,351 square feet of heated and cooled living space. From the moment you step inside, you are welcomed by soaring vaulted ceilings, large open spaces, and refinished hardwood floors. Thoughtfully designed finishes are found throughout. The first floor is constructed with solid concrete block for strength and longevity, while the second floor features durable 2x6 framing for added efficiency and durability. The spacious primary suite is a true retreat, featuring his and her closets, a spa-like bath with custom tile shower, heated floors, and a Toto toilet. Peaceful views of the surrounding property complete the experience. Entertain with ease in the formal dining room or game room, host unforgettable gatherings around the outdoor kitchen, or retreat to the cozy study for a quiet evening. The gourmet kitchen and luxurious living areas flow seamlessly to the outdoors, where a zero-entry saltwater pool, lush landscaping, and breathtaking lake views await. The home is equipped with a Control 4 Smart Home system, spray foam insulation in the walls and ceilings, Andersen storm doors and windows, and four HVAC units for maximum energy efficiency. For convenience and peace of mind, the property features two 200-amp electrical panels, two deep wells, two septic systems, and a 40KW whole-house generator powered by a dedicated 500-gallon propane tank, with a separate 500-gallon propane tank serving the home. The estate also includes a three-car garage with insulated 12' x 10' doors, offering plenty of space for vehicles, recreational toys, or additional storage. At the heart of the property lies a serene spring-fed lake teeming with bass, bream, and catfish -- the perfect backdrop for fishing, paddling, or simply relaxing in the beauty of nature. This is more than a home -- it's a lifestyle. A place where wide-open spaces meet modern comforts, where equestrian dreams come to life, and where every day feels like a retreat. Located just minutes from Panama City and Lynn Haven, and only 17 miles from the world's most beautiful beaches.