New construction in Panama City, FL with no HOA and short term rentals allowed, perfect for a primary residence, second home, or investment property. Located near Highway 231 with easy access to shopping, dining, and just 18 minutes from Tyndall Air Force Base, this move in ready home features an open floor plan with luxury vinyl plank flooring throughout. The modern kitchen offers white shaker cabinets, soft close drawers, quartz countertops, stainless steel appliances, a large center island, and a spacious walk in pantry. The main level includes a bedroom and full bath ideal for guests or a home office, plus a covered back porch for outdoor living. Upstairs, enjoy a split floor plan with a large primary retreat (13'7'' x 15'8'') featuring a walk in closet and en suite bath with double vanities and quartz countertops, along with two additional large bedrooms, a full bath, and upstairs laundry. Built with durable Hardie board siding, a fully sodded yard, a Rheem tankless water heater, and backed by a one year builder warranty and ten year structural warranty, this low maintenance townhome offers modern finishes, flexibility, and long term value.