104 Oleander Cir, Panama City Beach, FL 32413

**Owner financing as low as 5% interest rate.** This beautifully remodeled 4-bedroom has the most amazing location -- and it comes with flexible purchase options, including owner financing, trades, and creative deals like lease purchase! Located within minutes to the stunning Gulf of Mexico and the lively Pier Park -- the largest shopping, dining, and entertainment destination in Panama City Beach -- this property provides an unbeatable lifestyle. Plus, the world-famous 30A and the Emerald Coast are just a short 10-mile drive away! Step inside and you'll immediately notice the spacious open floor plan with soaring ceilings. The chef's kitchen features quartz countertops, stainless energy star appliances, shaker cabinets with neutral colors that give you a timeless space to personalize and make your own. Whether you're looking for a serene beach getaway, a permanent residence, or a high-return rental, this home checks every box. With its prime location, stunning renovations, and investment potential, this is truly a rare opportunity. Don't miss your chance to own a piece of paradise -- inquire today!