Welcome to a one of a kind beach retreat located on the highly sought after west end of Panama City Beach, south of Highway 98. Now priced over $200,000 below the previous list and offering highly incentivized seller financing with flexible, investor friendly terms, this unique coastal estate delivers exceptional value and versatility. Whether you're searching for a full time residence, a second home, or a high performing vacation rental, this property offers a rare opportunity just a short walk from the sugar white sands and turquoise waters of the Gulf. Thoughtfully designed for comfort, space, and income potential, the property includes a spacious main home, a detached carriage house, a private saltwater pool, and even a citrus garden oasis tucked beneath mature oak trees. The main home spans 2,184 square feet and features 4 bedrooms and 4 full bathrooms, including two primary suites (one on each level), each with spa like en suites and generous walk in closets. The open concept layout flows seamlessly from a sun drenched living room into a chef's kitchen outfitted with solid wood cabinetry, granite countertops, stainless steel appliances, and a large breakfast bar. A dedicated dining area offers plenty of room for entertaining. Upstairs, enjoy a bonus living area with a wet bar that opens to an oversized 350 square foot covered balcony, complete with Gulf views and a built in porch swing, perfect for your morning coffee or sunset lounging. Quality finishes like porcelain tile and wood floors run throughout, adding timeless appeal. Outside, your private saltwater pool with tanning shelf invites you to relax or entertain in style. The surrounding deck has been recently resurfaced, and a covered grilling station makes it ideal for poolside gatherings. An outdoor shower provides convenience after a day at the beach or by the pool. Tucked behind the pool, the 660 square foot Carriage House includes a full kitchen, living and dining areas, 1 bedroom, and 1 full bath, perfect for guests, extended family, or short term rental income. It sits above a large two car garage with private bays and additional storage. (Golf cart not included, but negotiable.) A hidden gem of the property is the lush citrus garden, which produces lemons, limes, tangerines, blood oranges, grapefruits, and more. Shaded seating areas beneath the trees create peaceful corners to unwind year round. This is a rare offering in one of Panama City Beach's most desirable pockets, brimming with amenities, income potential, and priced to move. With seller financing available and terms that can be tailored for long term investment success, this retreat is a win for both lifestyle buyers and investors. Schedule your private showing today, opportunities like this don't last long.