1 Harvard Circle, Panama City, FL 32405 (MLS# 782940)

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Property Description
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, with a smart split floor plan that maximizes privacy, storage, and everyday functionality within its 1,541 sq ft footprint. The layout feels intentional — not cramped — and offers flexibility for families, professionals, guests, or long-term living needs. Built to current Florida Building Code standards and engineered to withstand up to 160 mph wind loads, the home includes impact-rated windows, upgraded insulation, fiber-cement exterior, and a long-lasting metal roof. These features don't just add strength — they translate into top insurance credits, lower long-term ownership costs, and peace of mind. No garage? No problem. Extra wide driveway and thoughtful interior storage, well-planned closets, and a spacious backyard provide plenty of room for additional storage solutions without paying for square footage you may not need. The result is a home built to last, designed to adapt, and priced with purpose. The builder is offering up to $10,000 toward buyer closing costs or a combination of a temporary interest-rate buy-down +Closing costs assistance totaling $10,000, which gives buyers meaningful flexibility to lower monthly payments or reduce cash to close. With no HOA, ownership options remain open for full-time living, long-term occupancy, or investment use. Located minutes from shopping, dining, schools, the 23rd Street medical district, Tyndall AFB, and Panama City Beach — this is a great opportunity to secure durable, thoughtfully built new construction with real incentives in a neighborhood people already love.