1 Harvard Cir, Panama City, FL 32405

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS Brand-New 4BR/3BA | Now offered under $310K | Buyer Incentive | No HOA How many 4-bedroom, 3-bath new construction affordable homes do you see on the market? Exactly — not many. Now ask a better question: how many of those are built by a small, local quality builder who prioritizes durability, smart design, and real flexibility for today's buyers? That number gets even smaller. This brand-new 4/3 residence in Forest Park was designed to live comfortably and efficiently. The smart split floor plan maximizes privacy within its 1,541 sq ft footprint — perfect for hosting extended family, creating a dedicated home office, or simply enjoying true bedroom separation. The layout feels intentional, not cramped, with well-planned closets and thoughtful interior storage throughout. Step into your spacious backyard and imagine morning coffee surrounded by possibility — room for gardens, play areas, or future projects on your terms. This isn't cookie-cutter construction. Engineered to withstand up to 160 mph winds with impact-rated windows, metal roof, and fiber-cement exterior, this home translates strength into savings: lower insurance premiums, reduced energy bills, and decades of peace of mind. An extra-wide driveway plus generous interior storage means you're not paying for garage square footage you may not need. Flexibility where it matters. The builder is offering Buyer Incentive! Minutes from shopping, dining, schools, the 23rd Street medical district, Tyndall AFB, and Panama City Beach. Live where life happens — whether you're commuting to base, raising a family, or investing for the future. With no HOA, your ownership options stay open for full-time living or long-term investment.