4% owner financing with 20% down for three years offers a developer a low cost to carry having time to complete a home before the loan term ends! Welcome to an exceptional opportunity to own a breathtaking waterfront lot in Panama City. With its idyllic setting featuring mature oak trees adorned with Spanish moss and unparalleled views, this vacant lot presents an incredible canvas for you to create your dream waterfront retreat. Situated on Shoreline Circle, this lot boasts a prime waterfront position, offering stunning panoramic views of Pretty Bayou.Located just nine miles by boat to the Gulf of Mexico, this property is perfect for boating enthusiasts. Indulge in a myriad of activities such as boating, fishing, kayaking, or simply lounging on your private dock. Savor the gentle breeze and awe inspiring sunrises and sunsets from your own piece of paradise. 80 feet on the water with a natural shoreline and a salvagable dock.This is a rare opportunity to own a piece of waterfront property in such a sought after location. Whether you envision a serene retreat or an active lifestyle filled with water sports, this lot offers the perfect setting for your future home.