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.