Up to a $5,500 lender credit available for qualified VA and FHA buyers plus a $5,000 seller credit toward prepaids or interest rate buy down. New construction just blocks from downtown Panama City offering modern design, durable materials, and future income potential. This two story home features impact rated exterior doors and windows, cement board siding with board and batten accents, 3 bedrooms, 2.5 bathrooms, 1,582 square feet, and a 1 car garage. All bedrooms are located upstairs providing privacy and separation from the main living area. The main level features White Oak luxury vinyl plank flooring and real White Oak stair rail accents for a warm modern look. The kitchen includes quartz countertops, custom cabinetry, brushed gold hardware and fixtures, stainless steel appliances, designer lighting, and a walk in pantry. Bathrooms offer tile flooring and upgraded finishes. The primary suite includes a tray ceiling, double vanity, walk in shower, and spacious layout. A functional mudroom space sits just off the garage next to the half bath and connects to the main hallway from the front entry. Additional storage includes a large under stair closet. Built with 2x6 exterior walls and added insulation between floors for sound reduction. Irrigation system already installed. Zoned MU 3 on a deep 33 x 150 lot with alley access allowing potential for an accessory dwelling unit. Ideal for rental income, house hacking, guest quarters, or long term investment flexibility. Buyer to verify zoning and ADU requirements. Located near downtown Panama City restaurants, marina access, local events, and short drive to Tyndall Air Force Base and Panama City Beach. Financing incentives, new construction durability, and income potential make this a strong opportunity for primary buyers and investors alike. Schedule your showing today.