Assumable VA Mortgage available at a 2.375% rate! Don't have to be a VA Buyer to assume! Welcome to this beautifully upgraded 4 bed 2.5 bath two-story home nestled in a quiet cul-de-sac in one of the area's most desirable newer neighborhoods. With only local homeowner traffic on Penn Way, you'll appreciate the calm, community-oriented atmosphere—perfect for evening strolls, front porch chats, and safe play for kids or pets with a fenced Backyard. This neighborhood is just three years old, offering a modern and cohesive aesthetic throughout.

Step inside to find a spacious, open-concept layout with tasteful upgrades throughout. The first floor features durable vinyl flooring in all common areas, 8' ceilings, and a flexible front room that can serve as a home office or study. The large great room flows seamlessly into the kitchen, where you'll love the center island, expansive walk-in pantry, sleek flat-panel cabinetry, brand-new granite countertops, and updated appliances and hardware.

Upstairs, the private master suite is joined by additional bedrooms and a well-sized laundry room for ultimate convenience. The fenced backyard is ideal for entertaining or simply relaxing, and the new front patio and solar lights add curb appeal and charm.

This home has been thoughtfully enhanced with all-new blinds, energy-efficient ceiling fans throughout, and an ultraviolet light system in the AC unit to promote cleaner indoor air. Security and peace of mind are also covered, with over $3,000 invested in an advanced ADT security system—just one example of the many valuable upgrades made with care.

Other standout features include fresh paint throughout, upgraded kitchen pulls, and a two-car garage. The home is truly move-in ready, combining comfort, style, and functionality in a modern community setting.

Location-wise, you're just minutes from all the essentials: 16 miles (23 minutes) to Tyndall Air Force Base, and 22.6 miles to the world-renowned sugar-white sands of Panama City Beach. Downtown Panama City is also just a short drive away, placing shopping, dining, and entertainment within easy reach.

Come experience this beautifully updated home and the peaceful lifestyle it offers—schedule your showing today!