848 E 12th Ct Panama City, FL 32401

Most people spend years searching for a home that's truly move-in ready, only to find ''updated'' properties hiding decades of deferred maintenance behind fresh paint. This is not that home. This brand-new 2-bedroom, 2-bath Panama City home was completed in January 2026 and has never been lived in. Every single system, including the roof, HVAC, plumbing, and electrical, is brand new, under warranty, and has never been used. You are not inheriting anyone else's problems. You are starting from zero, in a home built for you. The open layout connects the kitchen directly to the living area, creating a space that feels larger than it is and works for real everyday life, not just for photos. Covered front and rear porches extend your living space outdoors, which in Florida means you get to use them year-round. Here is what makes this a rare opportunity: For first-time buyers, FHA financing means you can own this brand-new home with as little as 3.5% down. You stop paying someone else's mortgage and start building your own equity, in a home with new construction warranties protecting you from day one. For investors, the Panama City rental market supports approximately $1,500 per month in rent. At current pricing, this property generates strong returns from a tenant base that wants new, clean, and well-maintained housing, which is exactly what you are delivering. This home was built to full spec without compromise. Every system, every finish, every detail was completed to standard. That is reflected in the price and it is what makes this a sound investment from day one. Offered As-Is with full new construction warranties. Located minutes from shopping, dining, and daily amenities in Panama City. Brand new. First owner. Schedule your showing today.