Beautiful, nearly new home in the highly sought-after Magnolia Bluff Subdivision in St. Joe Beach! Located in the coveted X-flood zone, this 1,767 SF, 3-bedroom, 2-bath home with a 2-car garage offers modern coastal living within walking distance of the beach. Enjoy a soothing, neutral palette with walls painted in a tranquil Repose Gray and luxury plank vinyl flooring, granite countertops, custom cabinetry, sleek stainless appliances, and newly upgraded light fixtures. Thoughtful upgrades include a stylish new barn door in the entry hall that provides extra privacy to the secondary bedrooms. The addition of custom cabinetry and countertops in bedroom 2 and an exterior door to the fenced backyard in bedroom 3 provides convenience and allows for a mother-in-law suite option. Outside, a 6-ft tall vinyl privacy fence on both sides and a shorter decorative metal fence with a gate in the rear enclose the large backyard. Additional features include a wooden slat wall on the back porch, perfect for hanging plants, landscape lighting, and a new backyard shed for extra storage. Relax on the covered back porch with your morning coffee or enjoy a short walk or golf cart ride to the sandy shores of St. Joe Beach for a swim in the Gulf. The Magnolia Bluff subdivision's no short-term rental policy ensures limited traffic, peace, and quiet with a bedroom community feel. St. Joe Beach is a golf cart-friendly community with pet-friendly beaches and easy access to fishing, boating, and outdoor recreation. Centrally located: just 5 minutes to Mexico Beach, 15 minutes to downtown Port St. Joe, and 25 minutes to Tyndall Air Force Base and the greater Panama City suburbs. **With an accepted offer, the seller will credit the buyer at closing for the cost of a 1-0 buydown, subject to lender approval. Take advantage of this opportunity to lower your first-year mortgage payment by reducing the interest rate by 1% for the first year before reverting to the original rate!**