21312 Hilltop Avenue, Panama City Beach, FL 32413 - Bay County

OPEN HOUSE Sat 12/27, 12-2 PM. Modernized west-end coastal cottage with $100K+ in improvements, no HOA, private fenced yard, and golf-cart access to Beach 87. Peninsula-style corner lot with only one shared fence line; set back from Front Beach Rd for a surprisingly peaceful feel once inside the gates. West-side carport drive-through plus east-side golf cart garage access-ideal for a golf cart, small trailer, and beach gear. Trex front porch, paver drive, putting green, turf with drainage, and outdoor kitchen (grill/sink/fridge). Major updates: metal roof (2022), impact windows/doors, septic (2022), HVAC (2019), water heater (2021). Minutes to 30A, Pier Park, and ECP Airport. This Panama City Beach property has received $100K+ in improvements designed for comfort, privacy, and long-term value. A Trex privacy fence, custom gates, and a stuccoed concrete wall with decorative columns fully enclose the home, accented by black wrought-iron fencing and gates for enhanced curb appeal. The 26' x 7' Trex front porch (2022), covered carport with double gates, and paver-extended driveway (2024-2025) create versatile outdoor living and easy parking for guests, beach gear, or a golf cart. The backyard is a true lifestyle retreat, featuring a private putting green, turf lawn with engineered drainage, mature landscaping, and large planters. An east-side outdoor shower adds coastal convenience, while the west-side entertaining area includes a working sink, refrigerator, and grill. Multiple gated entry points including, a west-side carport drive-through and an east-side golf cart garage accesshighlight the property's flexibility and make everyday arrivals seamless. Premium updates deliver long-term peace of mind: raised-seam metal roof (2022) with new gutters, PGT hurricane-rated impact windows, Therma-Tru doors, and tinted storm doors. Core systems have been upgraded with a new septic system (2022), HVAC (2019; serviced biannually), and water heater (2021), supporting lower maintenance and fewer future expenses. Inside, the home's bright, open layout features quartz kitchen countertops, durable finishes, and two full bathrooms. Buyers will find a move-in-ready coastal retreat with the opportunity to personalize interiors while major structural investments are already complete. Completely enclosed and crafted for both privacy and lifestyle, this west-end Panama City Beach home in the golf-cart-friendly Riviera Beach community is ideal as a primary residence, second home, or vacation rental opportunity. Minutes to Beach Access 87, Scenic Highway 30A, Pier Park, and ECP Airport, 21312 Hilltop Avenue offers an exceptional coastal real estate opportunity with key upgrades already in place.

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