$219,000

Updated 1942 painted-brick cottage in Oakland Terrace on a fenced lot 150 feet deep, with rooftop solar, a renovated kitchen, and an enclosed front sunroom that adds real living space beyond the 874 heated square feet. You are 4 minutes from the St. Andrews Marina and Historic St. Andrews, 5 from downtown Panama City, 6 from Ascension Sacred Heart Bay, and a half-mile walk from Oakland Terrace Park's pickleball and tennis courts, playground, and walking track. The covered front porch leads into the sunroom, a brick-walled, window-lined room with a glass entry door that works as a plant room, office, or second sitting area. A sliding barn door opens to the living room, and hardwood floors continue through the dining area and all three bedrooms. The kitchen has been redone with blue cabinetry, butcher-block counters, open shelving, shiplap walls, and stainless appliances, and it connects to a dedicated laundry room with its own door to the backyard. Out back is where this lot separates itself: deeper than many nearby lots, fully fenced, shaded by mature oaks, with a rear deck for grilling and a storage shed for bikes, kayaks, or tools. The rooftop solar array (buyer to verify ownership and system details) sits on a home that already has central heat and air and ceiling fans. Three bedrooms and a full bath with tub-shower combo, all on one level, no HOA, and FHA, VA, and conventional financing welcome. Naval Support Activity Panama City is about 14 minutes away, Tyndall AFB about 21, and the Gulf beaches at St. Andrews State Park about 18.