21312 Hilltop Avenue Avenue, Panama City Beach, FL 32413

Now offered at $620,000 - extensive exterior and system improvements already completed. • $100K+ in improvements, fully enclosed, no HOA • Metal roof (2022), impact windows/doors, new septic (2022) • Private fenced yard, golf-cart access to Beach 87 Welcome to 21312 Hilltop Avenue—a coastal retreat on a peninsula-style corner lot with only one shared fence line, offering unusual privacy, flexibility, and no HOA restrictions. Set back 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. 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. Major structural updates provide peace of mind and can support more favorable insurance conversations: 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 and two full baths, with interior finishes that offer a clean coastal foundation and room to personalize. 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). Improvement list available upon request. Buyer to verify all information deemed important. This Panama City Beach property has received $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 for strong curb appeal. The 26' x 7' Trex front porch (2022), covered carport with double gates, and paver-extended driveway (2024-2025) add versatile outdoor living and easy parking for guests, beach gear, 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 points, including a west-side drive-through carport and an east-side golf cart garage, underscore the property's flexibility and make everyday arrivals seamless. 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), supporting a lower-maintenance ownership profile and fewer near-term capital projects. Inside, the home's bright, open layout features quartz kitchen countertops, durable finishes, and two full bathrooms. Interior finishes are clean and well maintained and largely reflect the home's original character, offering an excellent foundation for personalization while the major structural investments are already 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 well-suited as a primary residence, second home, or vacation rental opportunity (buyer to verify). Minutes to Beach Access 87, Scenic Highway 30A, Pier Park, and ECP Airport, 21312 Hilltop Avenue offers a rare combination of privacy, flexibility, and significant upgrades already in place.