Welcome to this timeless Florida cottage nestled in the heart of St. Andrews, one of Panama City's most desirable and walkable neighborhoods. Surrounded by mature landscaping and moss draped oak trees, this spacious 5 bedroom, 3 bath home blends classic charm with thoughtful modern updates. Inside, you'll find hardwood floors throughout and an updated open concept kitchen featuring granite countertops, tasteful cabinetry, and stainless steel appliances, creating the perfect space for everyday living and entertaining. The updated primary bathroom offers a walk in tiled shower, adding comfort and style to the private retreat. Step outside to enjoy the large fenced backyard, complete with a privacy fence and plenty of room for entertaining, gatherings, or relaxing under the shade of mature trees. The home's generous and flexible floor plan offers multiple living spaces and well sized bedrooms, making it ideal for large households, hosting guests, or maximizing rental potential. Whether you're looking for a primary residence, second home, or income producing property, this home checks all the boxes. Short term rentals are allowed, presenting an excellent opportunity for investors to capitalize on the area's strong demand. Located just minutes from popular dining, marinas, waterfront parks, and entertainment, you'll enjoy everything the charming St. Andrews district has to offer, along with convenient access to downtown Panama City and the beautiful Gulf Coast beaches. Don't miss this rare opportunity to own a versatile property in one of Panama City's most sought after coastal communities.