21312 Hilltop Avenue

Panama City Beach, FL 32413

Modernized west-end coastal cottage with $100K+ in upgrades, private fenced yard, and golf-cart access to Beach 87. Welcome to 21312 Hilltop Ave--an upgraded Florida Coastal Cottage on the quiet west end of Panama City Beach. This fully enclosed corner lot offers privacy, convenience, and modern coastal living without HOA restrictions. Enjoy a Trex front porch, paver driveway, and backyard retreat featuring a putting green, turf lawn with drainage, and an outdoor kitchen with grill, sink & refrigerator. Metal roof (2022), impact windows, new septic (2022), HVAC (2019), and water heater (2021) provide turnkey peace of mind--minutes from 30A, Pier Park, and ECP. This Panama City Beach property has received over $100K in improvements designed for comfort, privacy, and long-term value. A Trex privacy fence, custom gates, and a stuccoed concrete wall with decorative columns fully enclose the home, accented by black wrought-iron fencing and gates that enhance curb appeal. The 26' x 7' Trex front porch (2022), covered carport with double gates, and paver-extended driveway (2024-2025) create versatile outdoor living and easy parking for guests or a golf cart. The backyard is a true lifestyle retreat, featuring a private putting green, turf lawn with engineered drainage, mature landscaping, and large planters. An east-side outdoor shower adds coastal convenience, while the west-side entertaining area includes a working sink, refrigerator, and grill. Multiple gated entry pointsincluding a golf-cart garage with drive-through accessmake beach days effortless and highlight the property's flexibility. Premium updates deliver long-term peace of mind: raised-seam metal roof (2022) with new gutters, PGT hurricane-rated impact windows, Therma-Tru doors, and tinted storm doors. Core systems have been upgraded with a new septic system (2022), HVAC (2019, serviced biannually), and water heater (2021)offering reduced insurance costs and fewer future expenses. Inside, the home's bright, open layout features quartz kitchen countertops, durable finishes, and two full bathrooms. Buyers will find a move-in-ready coastal retreat with the opportunity to personalize interiors while all major structural investments are complete. Completely enclosed and crafted for both privacy and lifestyle, this west-end Panama City Beach home in the golf-cart-friendly Riviera Beach community is ideal as a primary residence, second home, or vacation rental. Just minutes from Beach Access 87, 30A, Pier Park, and ECP Airport, 21312 Hilltop Avenue represents an exceptional coastal real estate opportunity with every major upgrade already in place.

Listing courtesy of Launa L Wallace of Compass



Listing information is provided by Participants of the Emerald Coast Association of Realtors MLS. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2025, Emerald Coast Association of Realtors MLS.
Last checked: 2025-11-05 11:10 AM UTC