825 E 12th St, Panama City, FL 32401

URRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS If you're looking for a brand-new home that actually makes sense on paper, this is it. Just completed new construction, this 3-bedroom, 2-bath home offers a modern, open layout designed to maximize space, functionality, and everyday comfort. The kitchen opens directly into the living area, making the home feel larger than the square footage and ideal for daily living or entertaining. Because the home is brand new, everything is new — roof, HVAC, plumbing, electrical, and finishes — which dramatically reduces maintenance, unexpected repairs, and future capital expenses. That's real value most buyers don't see until after they move in. The primary suite is private and well laid out, while the two additional bedrooms provide flexibility for family, guests, or a home office. The fenced yard adds usable outdoor space, and the cleared lot keeps maintenance simple. This property is eligible for FHA, VA, USDA, conventional, or cash financing, making it accessible to a wide range of buyers. For first-time buyers, this means low down payment options. For investors, it means a low-maintenance, high-demand rental in a central Panama City location. Offered As-Is with new construction warranties, allowing for a smoother transaction with fewer delays and negotiations. Bottom line: You're getting a brand-new home, modern design, flexible financing, and long-term cost control all at an affordable price point. Schedule your showing before someone else runs the numbers.