3104 W 16th Street Panama City, FL 32401

Your own dock on Lake Huntington, a finished and climate-controlled outbuilding, and Historic St. Andrews less than a mile away: this 1941 cottage offers a combination that is hard to find in this part of Panama City. The home sits on the north side of 16th Street, and the sale includes the separate deeded waterfront lot and private dock directly across the street, so the screened front porch looks out toward the lake and your dock. Lake Huntington opens to St. Andrews Bay beneath the 15th Street bridge, and from the bay it is open water through St. Andrews Pass to Shell Island and the Gulf of Mexico (buyer to verify clearance and depth for their vessel). The public launch ramp at St. Andrews Marina is about a mile away.

Inside, three bedrooms and two full baths sit on one level, with the arched doorways and hardwood floors of a classic 1940s cottage, tile in the kitchen and dining room, plantation shutters, ceiling fans, and a primary bath with a tiled walk-in shower. The white kitchen opens to the dining room through a wide arch and includes a dishwasher and electric range. The updates here are tasteful rather than flashy, and the sellers went a step further than most by extensively encapsulating the crawl space, which means less moisture under the house and peace of mind for years to come.

Behind the house, the detached building is finished, heated, and cooled, so it works as a year-round office, studio, or workshop rather than a hot storage shed. A long paved driveway leaves room for a boat and trailer, the yard is fully fenced, and there is no HOA.

The restaurants, bars, marina, and shops along Beck Avenue in Historic St. Andrews are a three-minute drive or a 15-minute walk. Naval Support Activity Panama City is about 10 minutes away, and the Hathaway Bridge to Panama City Beach is under 10 minutes. Metal roof, central heat and air, city water and sewer. Sold as is, and the sellers will entertain owner-financing offers. Two parcels convey together: 29140-000-000 (home) and 29142-020-000 (dock).