21312 Hilltop Avenue Avenue, Panama City Beach, FL 32413 (MLS# 780415)

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Property Description
OPEN HOUSE Sat 12/27, 12:00-2:00 PM. Modernized west-end coastal cottage with $100K+ in lifestyle and structural improvements, a private fenced yard, and golf-cart access to Beach 87. Welcome to 21312 Hilltop Avenue—a thoughtfully updated Florida coastal retreat on a peninsula-style corner lot with only one shared fence line, offering unusual privacy, flexibility, and no HOA restrictions. Set back far enough from Front Beach Road to feel peaceful once inside the gates, yet close for easy access. Minutes to Scenic Highway 30A, Pier Park dining and shopping, and Northwest Florida Beaches International Airport (ECP). Designed for comfort, efficiency, and long-term value, the fully enclosed property features a Trex privacy fence, custom gates, and a stuccoed concrete wall with decorative columns, accented by black wrought-iron fencing for strong curb appeal. A 26' x 7' Trex front porch (2022), covered carport with double gates, and a paver-extended driveway (2024-2025) add everyday function and polish. The backyard is a private lifestyle retreat with a custom putting green, turf lawn with engineered drainage, mature landscaping, and large planters. An east-side outdoor shower adds beach-day convenience, while the west-side entertaining area includes a working sink, refrigerator, and grill—ideal for gatherings under the coastal sky. Multiple gated entry points, including a west-side carport drive-through and an east-side golf cart garage, make it easy to pull in a golf cart, small trailer, or beach gear, offering a level of everyday flexibility uncommon on the west end. Major structural updates provide peace of mind and potential insurance savings: raised-seam metal roof (2022) with new gutters, PGT impact-rated windows, Therma-Tru doors, and tinted storm doors. Essential systems have also been refreshed: new septic system (2022), HVAC (2019; serviced biannually), and water heater (2021). Inside, the bright, open layout features quartz kitchen countertops, durable finishes, and two full baths. Thoughtful updates maintain a clean coastal aesthetic while leaving room for personal expression. The result is a move-in-ready property where the major investments are already complete. Completely enclosed and designed for both privacy and lifestyle, this residence in the golf-cart-friendly Riviera Beach community works beautifully as a primary home, second-home retreat, or vacation rental opportunity. Buyer to verify all information deemed important.