21312 Hilltop Avenue , Panama City Beach, FL 32413(Bay County)

Modernized west-end coastal cottage with over $70K in lifestyle and structural improvements, private fenced yard, and golf-cart access to Beach 87. Welcome to 21312 Hilltop Avenue-a turnkey Florida coastal retreat on a quiet corner lot offering privacy, convenience, and no HOA. Enjoy a Trex front porch, paver driveway, and backyard oasis featuring a putting green, turf lawn with drainage, and an outdoor kitchen with grill, sink, and refrigerator. Updates include a metal roof (2022), impact-rated windows and doors, new septic (2022), HVAC (2019), and water heater (2021) for complete peace of mind. Just minutes from 30A, Pier Park, and ECP Airport, this furnished home combines relaxed beach living with modern comfort and enduring coastal style. This Panama City Beach property has received over $100K in improvements designed for comfort, privacy, and long-term value. A Trex privacy fence, custom gates, and a stuccoed concrete wall with decorative columns fully enclose the home, accented by black wrought-iron fencing and gates that enhance curb appeal. The 26' x 7' Trex front porch (2022), covered carport with double gates, and paver-extended driveway (2024-2025) create versatile outdoor living and easy parking for guests or a golf cart. The backyard is a true lifestyle retreat, featuring a private putting green, turf lawn with engineered drainage, mature landscaping, and large planters. An east-side outdoor shower adds coastal convenience, while the west-side entertaining area includes a working sink, refrigerator, and grill. Multiple gated entry pointsincluding a golf-cart garage with drive-through accessmake beach days effortless and highlight the property's flexibility. Premium updates deliver long-term peace of mind: raised-seam metal roof (2022) with new gutters, PGT hurricane-rated impact windows, Therma-Tru doors, and tinted storm doors. Core systems have been upgraded with a new septic system (2022), HVAC (2019, serviced biannually), and water heater (2021)offering reduced insurance costs and fewer future expenses. Inside, the home's bright, open layout features quartz kitchen countertops, durable finishes, and two full bathrooms. Buyers will find a move-in-ready coastal retreat with the opportunity to personalize interiors while all major structural investments are complete. Completely enclosed and crafted for both privacy and lifestyle, this west-end Panama City Beach home in the golf-cart-friendly Riviera Beach community is ideal as a primary residence, second home, or vacation rental. Just minutes from Beach Access 87, 30A, Pier Park, and ECP Airport, 21312 Hilltop Avenue represents an exceptional coastal real estate opportunity with every major upgrade already in place.

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