Special Financing Offer- WITH ACCEPTABLE OFFER!!! Take advantage of a seller-paid rate buydown through List & Lock™, offering rates as low as 5.99% (6.675% APR) as of 10/26/2026. Lower your monthly mortgage payment and save significantly over time. (Terms apply; see disclosures for details.) Welcome to 523 N Church Avenue, a brand-new, move-in-ready home offering modern style, smart design, and incredible value in Panama City, Florida. Featuring 3 bedrooms, 2 bathrooms, and 1, 218 square feet of thoughtfully crafted living space, this new construction residence is perfect for first-time buyers, military families relocating to Tyndall Air Force Base, or anyone seeking an affordable, turn-key home. Key Features & Interior Highlights Open-Concept Living include high raised ceilings, recessed halo lighting, luxury vinyl plank (LVP) flooring, and stylish ceiling fans throughout. Modern Chef's Kitchen outfitted with premium granite countertops, a large center island with pendant lighting, chic backsplash, sleek black hardware/finishes, a dedicated pantry, and a full stainless steel appliance package (refrigerator, range/oven, microwave, dishwasher, and disposal). Primary Suite Retreat includes a spacious walk-in closet, oversized single vanity with ample cabinet storage, and a low-maintenance fiberglass walk-in shower. Guest Bedrooms & Bath host two generously sized guest bedrooms with large closets, sharing a full hall bathroom with an oversized vanity and a tub/shower combo. Outdoor Space: Enjoy a fully sodded and landscaped yard with an open rear patio--ideal for weekend grilling, outdoor dining, and entertaining. Prime Location in Panama City, FL Situated right off 11th Street, 15th Street, and Business Highway 98, this location provides unmatched everyday convenience: Minutes from Downtown Panama City with local dining, shopping, waterfront parks, and community events. Local Amenities: Quick access to grocery stores, schools, healthcare facilities, and the Emerald Coast beaches. Whether you're relocating to Bay County or looking for affordable new construction in Panama City, 523 N Church Ave is ready to welcome you home. Schedule your private showing today! Buyer to verify all measurements and listing details if important. Professional photos coming soon.