Welcome to Breakfast Point in beautiful Panama City Beach! This highly desirable, family-friendly community is celebrated for its central location, Craftsman-style homes, inviting sidewalks, streetlights, and underground utilities. Enjoy the convenience of being within walking distance to the top-rated Breakfast Point Academy, and just minutes from the Beach, Pier Park, premier shopping, dining, and the Naval Station, with an easy commute to Tyndall Air Force Base. Step inside this stunning home featuring 4 bedrooms in a spacious split floor plan and 3 full bathrooms. The well appointed kitchen is equipped with a large island and breakfast bar, sleek Bosch stainless steel appliances--including a five-burner gas range--and flows seamlessly into the open-concept living and dining areas, perfect for entertaining or family gatherings. Additional features include a laundry room, a two-car attached garage, and a covered patio ideal for relaxing outdoors. You'll love the paid-in-full solar panels, keeping your average electric bill around $50 per month! The large, fenced backyard backs up to an association easement, providing extra privacy and space to enjoy. Another incredible bonus: this property offers a fully assumable VA loan with a balance of approximately $300,000 at a 3.25% interest rate--a rare opportunity in today's market. Don't miss your chance to own this exceptional home! The original owners are relocating within the neighborhood to accommodate their growing family--making this gem available for you.