1035 Bay Cir, Panama City Beach, FL 32407

Looking for the perfect waterfront property with no HOA and direct access to the lagoon? This is it! Located in the heart of Panama City Beach, this unique home offers incredible potential and endless possibilities.Currently rented as two separate units, this property can easily be transformed to fit your vision. Open up the layout to create a spacious, open-concept design or keep it as-is for a great income-producing opportunity. The roof was replaced in 2018 after Hurricane Michael, offering peace of mind and durability.Whether you're looking for a primary residence, vacation home, or investment property, this home is a hidden gem with instant equity opportunities. Don't miss your chance to own a piece of waterfront paradise--schedule your showing today!