Embrace the allure of coastal living with this charming three-story Florida cottage located in the heart of Panama City Beach, just moments away from the sparkling Gulf of Mexico. Nestled in the desirable Panama Dunes community, this delightful home offers both versatility and style — ideal as a second home or an investment property.

This thoughtfully designed cottage features a ground-floor lock-out unit with a separate entrance, kitchenette and full bathroom, providing flexibility for guests or potential rental income. The second floor is dedicated to everyday living, showcasing a spacious kitchen with granite countertops and stainless steel appliances, an inviting living area and a guest bedroom with an adjacent bathroom. The third floor offers a luxurious master suite complete with a Jacuzzi tub, separate shower and a private balcony, as well as an additional guest bedroom and bath.

High-end finishes such as tall ceilings, crown molding, and rich hardwood flooring bring elegance throughout, while tile in the kitchen and bathrooms adds both style and functionality. Recently updated balconies on the second and third floors provide perfect spots for relaxation and taking in the surrounding beauty. Outside, enjoy a well-manicured community featuring cobblestone streets, lush landscaping and resort-style amenities including a community pool, hot tub, and BBQ area — ideal for gatherings with friends and family.

With its prime location, flexible layout and classic design, this property is a blank canvas awaiting your personal touch. Experience the best of Panama City Beach from this enchanting Panama Dunes cottage — your gateway to coastal living.