226 Palatka St, Panama City Beach, FL 32413

Welcome to the Madison plan by Kolter Homes—a move-in ready 4-bedroom, 3-bath home featuring an open-concept layout with a 4' garage extension, covered front porch, and flex room conversion. Interior upgrades include engineered hardwood flooring, a 50" linear gas fireplace, and a gourmet kitchen with quartz countertops, 30” gas cooktop, soft-close painted cabinetry, pot & pan drawers, and under-cabinet lighting. The guest bath features a full walk-in shower. Located in Salt Grass at Ward Creek, Panama City Beach's newest master-planned community, residents enjoy exclusive amenities such as lawn care, a resort-style pool and pavilion, and pickleball courts. This prime location offers quick access to 30A beaches, Pier Park, and local shopping and dining—without the congestion. Just one mile from the new TMH/FSU Trauma 1 Hospital and minutes from the upcoming West Bay Shopping Center and Publix (opening Spring 2026), this home delivers luxury, convenience, and unbeatable value. Price reflects current incentive. Ask about special financing options through CTC Mortgage with rates in the low 3% range. * This Move-In Ready home in Salt Grass at Ward Creek is located in Panama City Beach. Some home images may contain additional upgrades, finishes and/or features not included. Floorplan shown is base model and may not include structural options in this home.