5404 Hilltop Avenue, Panama City, FL 32408

• 3 beds |
• 2 baths |
• 1,554 sqft

Property Description

Built in 2021 by Guyson Construction, this furnished South Lagoon beach home offers a turnkey opportunity just minutes from St. Andrews State Park, public boat ramps, dining, and the beach. Currently operating as a short-term rental, the property is well-suited as a primary residence, second home, or investment property. Inside, the light-filled layout features vaulted ceilings, skylights, coastal finishes, and luxury vinyl plank flooring with a hand-scraped look throughout the main living areas. The open-concept kitchen includes granite countertops, stainless steel appliances, and ample prep and storage space. A split-bedroom floor plan provides added privacy to the primary suite, complete with a walk-in shower and oversized walk-in closet. Outdoor spaces include a covered front porch, covered back patio, and a large fenced backyard with room to relax or entertain. Additional features include Hardie Board ColorPlus exterior siding, a metal roof, window treatments throughout, and a 2-car garage. Located in a golf cart-friendly neighborhood with convenient access to two nearby boat launches and the beach, this property combines low-maintenance construction with coastal convenience. No HOA and no flood insurance currently required. Buyer to verify all measurements, rental restrictions, and insurance requirements if important.

Listing Status:

Active

Date Added:

May 22, 2026

Data Last Updated:

May 24, 2026 at 1:16AM

Listing Office:

Anchor Realty Florida : 850-899-7999

MLS ID:

790241

Interior

• Appliances: Electric CooktopElectric OvenElectric Water HeaterIce Maker
• A/C: Central AirCeiling Fan(s)
• Heating: Central

Exterior

• Style: Coastal
• Other Structures: PorchPatioCovered

Construction

• General: HardiPlank TypeMetal Siding1Slab

Location

• Originating MLS: CPAR_CPAR
• County: Bay

Lot

• Zoning: BILTMORE BEACH LOT 3 BLK I ORB 4445 P 196 MAP 70B231829-000-000
• Fencing: Fenced

Financial

• Source: CPAR_CPAR