Nearly new custom home in the sought-after Magnolia Bluff Subdivision in St. Joe Beach! Located in the coveted X-flood zone, this 1,767 SF, 3-bedroom, 2-bath home with a 2-car garage offers modern coastal living within walking distance to the beach. Enjoy a soothing, neutral palette with walls painted in a tranquil Repose Gray and luxury plank vinyl flooring, granite countertops, custom cabinetry, sleek stainless steel appliances, and newly upgraded light fixtures. Thoughtful upgrades include a stylish new barn door in the entry hall that provides extra privacy to the secondary bedrooms. Outside, a 6-ft tall vinyl privacy fence on both sides and a shorter decorative metal fence with a gate in the rear enclose the large backyard. Additional features include a wooden slat wall on the back porch, perfect for hanging plants and landscape lighting, as well as a new backyard shed for extra storage. Relax on the covered back porch with your morning coffee or enjoy a short walk or golf cart ride to the sandy shores of St. Joe Beach for a swim in the Gulf. The Magnolia Bluff subdivision's no-short-term-rental policy ensures limited traffic, peace, and quiet, with a bedroom community feel. St. Joe Beach is a golf cart-friendly community with pet-friendly beaches and easy access to fishing, boating, and other outdoor recreational activities. Centrally located: just 5 minutes to Mexico Beach, 15 minutes to downtown Port St. Joe, and 25 minutes to Tyndall Air Force Base and the greater Panama City suburbs. (Note: The seller is willing to have the builder reinstall the window in place of the exterior door to the fenced backyard in BR 3.)