NO HOA! Approved for short term rentals! Owner financing! One of a kind waterfront mansion constructed of cinder-block, poured concrete and steel I-beams, it sits on a .49 acre waterfront lot in Panama City Beach Florida. Home is located at the mouth of a deep water canal literally on the bay with spectacular views of the bay and the Hathaway bridge. This home is a boater's dream! It has it's own boat ramp in the back yard! Dock has 4 boat slips, 2 large slips for 40'+- boat (one 10K lbs. boat lift) and two smaller slips. Approx 9210 sqft under roof with 5125 square feet of heated and cooled living space, 7 bedrooms and 6 full bathrooms, 2 gorgeous large kitchens. New roof in 2020/23 new AC in 2017 and 2023, updated electrical and plumbing, 25X45 concrete patio attached to the boat-house, 5 of 6 baths renovated, a custom floating staircase, open concept living, and a indoor 40k Gallon salt water pool are just a few of the amazing features of this one of a kind home. No HOA! This home is perfect for short term rentals, event venue or for large families. The upstairs can be used as a separate 2 bedroom apartment/mother-in-law suite. Add your finishing touches and make this home yours! This is an ''As is'' sale.... Bring all offers! Do not let this one get away! Starting 1 March 2025 the home will be available for short term rental. May consider long term lease with agreeable terms.