Discover the perfect blend of modern design, convenience, and flexibility in this brand-new townhome located in the heart of Panama City. With no HOA and short-term rentals allowed, this property is ideal as a primary residence, second home, vacation getaway, Airbnb, or income-producing investment property. Designed with today's lifestyle in mind, this home features a spacious open-concept floor plan with luxury vinyl plank flooring throughout the main living areas, creating a bright and welcoming atmosphere. The expansive living and dining spaces offer plenty of room to gather with family and friends. The stylish kitchen is both functional and beautiful, showcasing white shaker cabinets with soft-close drawers, quartz countertops, stainless steel appliances, a large island for additional seating and prep space, and a generous walk-in pantry. A standout feature rarely found in townhomes is the first-floor bedroom with convenient access to a full bathroom, making it an ideal guest suite, private office, or flexible space for multi-generational living. Upstairs, the thoughtfully designed split-bedroom layout provides privacy for everyone. The spacious owner's suite offers room to unwind with a large walk-in closet and an elegant en-suite bathroom featuring dual vanities and quartz countertops. Two additional oversized bedrooms, another full bathroom, and an upstairs laundry room complete the second level. Outside, enjoy your covered back porch overlooking the backyard--perfect for relaxing, grilling, or entertaining guests. Built for durability and efficiency, this home includes Hardie® Board siding, a Rheem® tankless water heater, a fully sodded yard, and is backed by both a one-year builder warranty and a 10-year structural warranty. Conveniently situated just off Highway 231, you'll enjoy easy access to shopping, grocery stores, restaurants, schools, and medical facilities. Commuters will appreciate being only 18 minutes from Tyndall Air Force Base, while the beautiful sugar-white beaches of Panama City Beach are just 20 minutes away. Whether you're searching for a new construction home in Panama City, a low-maintenance Florida retreat, or a property with excellent rental potential, this move-in-ready home offers outstanding value in a prime location close to Tyndall AFB, Panama City Beach, and all that Bay County has to offer.