4225 Dairy Farm RD Panama City, FL 32404

This home offers the incredible advantage of an assumable mortgage at just 2.75% interest, valued at $227,000 — a rare opportunity to save significantly compared to current market rates. Beyond this exceptional financing, the property itself is exceptionally well-kept, providing space, functionality, and peace of mind all in one.

Situated on an oversized lot with a fully fenced backyard, the home provides privacy and versatility for a variety of lifestyles. An expanded driveway allows for ample parking, including dedicated space for an RV, boat, or trailer, and the property is equipped with a 50-amp plug that can be used for an RV or possibly an electric car. A generator hookup and transfer switch in the garage add another level of convenience and peace of mind.

Inside, the open-concept design creates a bright and welcoming atmosphere. With four spacious bedrooms and three full bathrooms, there is plenty of room for family and guests. An additional flex space, which can serve as an extra living area or Florida room, offers even more versatility. The kitchen is beautifully finished with quartz countertops, custom cabinetry, and stainless steel appliances, combining both style and functionality. A large pantry and generous counter space make it ideal for everyday living as well as entertaining.

Recent updates include a roof replacement in 2019, an outside AC unit replaced in 2018, and a brand new water heater. Outdoors, the property features a sprinkler system that services the large yard, an outdoor shower for rinsing off after beach days or yard work, and an eight-foot privacy fence along the rear with no houses behind, ensuring a private and peaceful setting. The side yard also offers plenty of room for creating future access if desired, or for a pool or additional outdoor storage options.

Additional highlights include ample storage throughout the home, a spacious laundry area, and thoughtful upgrades that make the property truly move-in ready.

This home combines everyday practicality with modern finishes, lifestyle flexibility, and a unique financing opportunity that sets it apart — making it an excellent choice for today's buyers.