1703 W 10th Street Panama City, FL 32401

This updated Florida cottage offers comfortable coastal living in the heart of Beach Drive/Lake Caroline area. Located a short walk or golf cart ride from Beach Drive beaches and local St Andrew's shopping and dining, the property combines a classic look with extensive modern updates. The home sits on a rare, large lot of nearly half an acre, providing plenty of space for future additions, a pool, or new construction.The interior has been fully updated for turn-key convenience. Features include refinished original hardwood floors with a durable polyurethane finish, brand-new ceilings in all rooms, and custom built-in bookshelves next to the fireplace. The kitchen includes new custom wood cabinets, and the master suite features a cedar-lined closet. Additional living spaces include a sunlit Florida room and a utility room, both upgraded with new tile flooring.Every major home system and structural component has been replaced or updated for peace of mind. The exterior features a brand-new roof with all underlying wood replaced, 30-year warranty shingles, new windows, and new doors. Inside the walls, the home has been fully re-wired and completely re-piped with flexible water lines. Comfort and utility are handled by a new high-efficiency A/C unit with a heat pump installed in January 2026, a recently replaced water heater, a new storage shed, and a full irrigation system powered by a brand-new 2026 well pump. This property offers a rare combination of a prime St. Andrews location and completely updated, low-maintenance systems.