WATERFRONT All-Brick Home with Direct Gulf Access | Over 1/2 Acre | NO HOA! Experience the ultimate Florida waterfront lifestyle in this charming all-brick home situated on over half an acre with direct Gulf access. Launch your boat from your private dock and cruise straight to Shell Island for a perfect day on the water, or enjoy Panama City Beach just under 4 miles away. No HOA means complete freedom to enjoy your slice of paradise. As you step inside, you're greeted by an open, inviting living and dining area anchored by a cozy wood-burning fireplace. The well-appointed kitchen features a breakfast bar, warm wood cabinetry, and beautiful granite countertops that flow seamlessly into the formal dining space. Additional highlights include a dining nook, a dedicated formal dining room, and a versatile bonus space next to the living room--perfect for use as a home office or extra dining area. The spacious master suite offers privacy with its own bath featuring a double vanity and tiled shower. Three additional bedrooms share a full bathroom with a tub/shower combo, while the conveniently located laundry room makes daily living effortless. Outdoor Living at Its Best: Step outside to your private waterfront oasis. Relax in the included hot tub, entertain family and friends around the built-in gas and charcoal grill, or gather around the firepit on cool evenings. The expansive backyard provides plenty of room for play, a pool or gardening. You'll also find two storage sheds and a beautiful orange tree adding charm and fresh citrus to the property. Key Features & Upgrades: Approximately 100 feet of canal waterfrontage with private dock, All-brick construction, Roof approx 2017, Well & septic system, Sprinkler system (front and back yards), Instant hot water heater under sink, Wood-burning fireplace, Over ½ acre lot with no HOA. This rare waterfront gem combines classic Florida charm, modern comforts, and unbeatable boating access. Whether you're looking for a primary residence, weekend getaway, or investment property, this home delivers the Florida dream. All sizes and ages are approximate, please verify if important.