109 N Palo Alto Ave, Panama City, FL 32401

Live in the highly coveted Cove neighborhood! This 3/1.5 Florida Cottage has evolved since it was originally built in 1958 to the extent that the Bay County Property Assessor's Office reports the effective year built is 2018!! Enter into the open concept living area where Living Room, sunken Family Room and upgraded Kitchen are all connected for outstanding entertaining opportunities where people can easily interact. Three bedrooms are conveniently located, and this floor plan just makes good practical sense. The interior paint is crisp, warm and in great taste. Too many updates, upgrades and enhancements to list but here are just a few: New Roof in 2019. All new Interior Paint in 2023 along with a New Deck. Dishwasher and Interior Lights replaced in 2024. In 2025: New LVP Flooring throughout; Baseboards, Kitchen upgrade with Granite Countertops, Backsplash, Cabinets, Paint; Half-bath update and New Sewer Line connected to the City sewer line. The back yard is nicely fenced -in and there is an 8'x16' storage building with plenty of room. This is a spacious quarter acre lot (145'x75') and the deck in back is awesome for enjoying a morning cup of coffee with privacy. Convenient to virtually everything in downtown Panama City and only minutes to one of the world's top ten beaches on the Gulf of America! Reach out to your favorite Realtor and set up a showing today!