Gulf-front on Surf Drive--where your beach day starts the moment you open the door. This rare 3BR/3BA townhome delivers the best of both worlds: a private, low-density beachfront getaway with the upside of strong rental appeal in one of Panama City Beach's most coveted stretches of sand. Even better: NO HOA fees, lower property taxes, and two reserved parking spaces right at the front door--a combination that's tough to find on the Gulf. Inside, enjoy an open-concept main level designed for effortless coastal living, with generous natural light and seamless flow to Gulf-front outdoor entertaining space--perfect for sunrise coffee, sunset dinners, and salty breezes on repeat. A main-level bedroom and full bathroom adds flexibility for guests, while upstairs the Gulf-front primary suite feels like a true retreat with private balcony views. The additional bedroom and bath provide comfortable space for family and friends. Whether you're buying for lifestyle, income potential, or both, this home checks the boxes: direct beach access, unforgettable views, and a location that feels tucked away--yet close to the best of dining, shopping, and entertainment.