WATERFRONT on Burnt Mill Creek with direct Gulf access and no HOA! This unique property also includes a separate income-producing 1 bedroom, 1 bathroom cottage with a current tenant already in place. If you've been dreaming of waterfront living, this is your chance to own a private slice of paradise. Launch your boat from your backyard, take a trip to Shell Island, fish from your dock, or spend the day kayaking, paddleboarding, or jet skiing right from home. One of the most special features of this property is the privacy. Surrounded by conservation land, the natural beauty and peaceful setting are protected, meaning you won't have to worry about future subdivisions or dense development changing the landscape around you. The wildlife here is something truly special. It's common to spot dolphins swimming through the creek, pelicans diving for fish, and even the occasional otter or manatee passing by your dock. Between the peaceful water views, mature Magnolia trees, and protected surroundings, this property offers the kind of Old Florida atmosphere that's becoming harder to find. This spacious home offers stunning water views from nearly every room. The large living area features double French doors that open into a Florida room overlooking the creek. The kitchen is beautifully appointed with granite countertops, custom cabinetry, a breakfast bar, and a large pantry. The oversized laundry room includes built-in cabinetry and a bay window, making it ideal for a home office, hobby space, or extra storage. Just off the kitchen and dining area, the screened porch creates the perfect setting for relaxing evenings and sunset views over the water. Designed for both comfort and functionality, the home features generous storage throughout with multiple large closets and built-in storage areas rarely found in waterfront properties. Upstairs, the primary suite features French doors leading to a private screened balcony with breathtaking waterfront views. A second master suite downstairs includes a double vanity, walk-in closet, and French doors opening to the Florida room. The additional downstairs bedroom is generously sized and features a charming bay window. Outside, the property is designed for enjoying life on the water. Large shaded decks sit beneath beautiful mature Magnolia trees, creating a peaceful outdoor retreat even during the hottest summer days. Two docks provide ample space for boats, kayaks, and jet skis. The covered dock features a motorized boat lift and previously accommodated a 22' bay boat with ease. A fish-cleaning station with water and power makes it easy to clean the day's catch right from your dock. Fishing enthusiasts will love the location. Head up the creek for bass and bream, or venture into the bay for redfish and trout. Burnt Mill Creek is especially known for excellent speckled trout fishing during the winter months. Additional features include: 25' x 20' Carolina carport built in 2024 Two storage sheds Short-term rentals allowed 3,667 SF total area with room for multiple families or guests Conveniently located: 7 minutes to Northwest Florida Beaches International Airport 15 minutes to the beach 15 minutes to Lynn Haven shopping and dining 25 minutes to 30A 30 minutes to historic downtown Panama City Whether you're searching for a waterfront forever home, vacation property, or investment opportunity, this one offers the best of Florida living with income potential already in place. All measurements are approximate and should be verified if important.

WATERFRONT on Burnt Mill Creek with direct Gulf access and no HOA! This unique property also includes a separate income-producing 1 bedroom, 1 bathroom cottage with a current tenant already in place. If you've been dreaming of waterfront living, this is your chance to own a private slice of paradise. Launch your boat from your backyard, take a trip to Shell Island, fish from your dock, or spend the day kayaking, paddleboarding, or jet skiing right from home. One of the most special features of this property is the privacy. Surrounded by conservation land, the natural beauty and peaceful setting are protected, meaning you won't have to worry about future subdivisions or dense development changing the landscape around you. The wildlife here is something truly special. It's common to spot dolphins swimming through the creek, pelicans diving for fish, and even the occasional otter or manatee passing by your dock. Between the peaceful water views, mature Magnolia trees, and protected surroundings, this property offers the kind of Old Florida atmosphere that's becoming harder to find. This spacious home offers stunning water views from nearly every room. The large living area features double French doors that open into a Florida room overlooking the creek. The kitchen is beautifully appointed with granite countertops, custom cabinetry, a breakfast bar, and a large pantry. The oversized laundry room includes built-in cabinetry and a bay window, making it ideal for a home office, hobby space, or extra storage. Just off the kitchen and dining area, the screened porch creates the perfect setting for relaxing evenings and sunset views over the water. Designed for both comfort and functionality, the home features generous storage throughout with multiple large closets and built-in storage areas rarely found in waterfront properties. Upstairs, the primary suite features French doors leading to a private screened balcony with breathtaking waterfront views. A second master suite downstairs includes a double vanity, walk-in closet, and French doors opening to the Florida room. The additional downstairs bedroom is generously sized and features a charming bay window. Outside, the property is designed for enjoying life on the water. Large shaded decks sit beneath beautiful mature Magnolia trees, creating a peaceful outdoor retreat even during the hottest summer days. Two docks provide ample space for boats, kayaks, and jet skis. The covered dock features a motorized boat lift and previously accommodated a 22' bay boat with ease. A fish-cleaning station with water and power makes it easy to clean the day's catch right from your dock. Fishing enthusiasts will love the location. Head up the creek for bass and bream, or venture into the bay for redfish and trout. Burnt Mill Creek is especially known for excellent speckled trout fishing during the winter months. Additional features include: 25' x 20' Carolina carport built in 2024 Two storage sheds Short-term rentals allowed 3,667 SF total area with room for multiple families or guests Conveniently located: 7 minutes to Northwest Florida Beaches International Airport 15 minutes to the beach 15 minutes to Lynn Haven shopping and dining 25 minutes to 30A 30 minutes to historic downtown Panama City Whether you're searching for a waterfront forever home, vacation property, or investment opportunity, this one offers the best of Florida living with income potential already in place. All measurements are approximate and should be verified if important.