1 Harvard Cir Panama City, FL 32405

Brand-New 4BR/3BA | Under $335K | $10,000 Buyer Incentive | No HOA How many 4-bedroom, 3-bath new construction homes do you see on the market under $335,000? Exactly - not many. Now ask a better question: how many of those are built by a small, local quality builder who prioritizes durability, smart design, and real flexibility for today's buyers? That number gets even smaller. This brand-new 4/3 residence in Forest Park was designed to live comfortably and efficiently. The smart split floor plan maximizes privacy within its 1,541 sq ft footprint - perfect for hosting extended family, creating a dedicated home office, or simply enjoying true bedroom separation. The layout feels intentional, not cramped, with well-planned closets and thoughtful interior storage throughout. Step into your spacious backyard and imagine morning coffee surrounded by possibility - room for gardens, play areas, or future projects on your terms. This isn't cookie-cutter construction. Engineered to withstand up to 160 mph winds with impact-rated windows, metal roof, and fiber-cement exterior, this home translates strength into savings: lower insurance premiums, reduced energy bills, and decades of peace of mind. An extra-wide driveway plus generous interior storage means you're not paying for garage square footage you may not need. Flexibility where it matters. The builder is offering up to $10,000 toward closing costs OR a combination of temporary interest-rate buy-down + closing cost assistance. Lower your monthly payment or reduce cash to close - meaningful flexibility designed around your goals. Minutes from shopping, dining, schools, the 23rd Street medical district, Tyndall AFB, and Panama City Beach. Live where life happens - whether you're commuting to base, raising a family, or investing for the future. With no HOA, your ownership options stay open for full-time living or long-term investment.