This lovely home is centrally located in the beautiful St. Andrews area of Panama City with easy access to in town or to the beaches. This 3 bedroom/2 bath home has been meticulously maintained. You are greeted at the property with a beautiful yard that has been fenced in and an artisan metal heart planter at the entrance of the front porch. The large living room leads to the dining area and kitchen. The hall bath has an updated shiplap ceiling. The roof, A/C unit, and Hot water heater have all been installed/updated in 2019 or after. The attic has extra insulation to ensure the house is cool in the summer and nice and warm in the winter. Please notice the electric bills under the documents tab. The garage has also been insulated if an extra room is desired in the future. The back yard is fully fenced with a privacy fence. There is a fig tree, and mulberry and citrus tree in the back yard. It can be accessed through a single gate by the garage of a double gate on the side yard where just in the gate there is a cement pad, perfect for parking a boat or RV in the back yard. The back patio is structured to be able to be closed in to make a Florida room with a 3-0 door leading out to the back yard, or you can screen in the area. Another sectioned area of the back yard has a 8x8 shed and room for a garden if so desired. The Seller is also offering up to $20K in closing cost assistance or point buy down. Call you favorite Realtor today! You do not want to miss this opportunity. All sizes are approximate, buyer to confirm if important.