Florida Cottage

Now offered at $620,000. Riviera Beach coastal retreat with $100K+ in major exterior and system improvements, fully enclosed and no HOA. Peninsula-style corner lot with only one shared fence line for rare privacy. Updates include raised-seam metal roof (2022) with gutters, PGT impact-rated windows, Therma-Tru doors, and new septic (2022), plus water heater (2021) and HVAC (2019; serviced biannually). Private fenced yard with putting green, outdoor shower, and multiple gated access points with golf-cart access to Beach 87. Priced to reflect the opportunity to personalize interior finishes. Suitable as primary, second home, or short-term rental (buyer to verify). Minutes to Scenic Hwy 30A, Pier Park, and ECP. This Panama City Beach property has received $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 for strong curb appeal. The 26' x 7' Trex front porch (2022), covered carport with double gates, and paver-extended driveway (2024-2025) add versatile outdoor living and easy parking for guests, beach gear, 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 points, including a west-side drive-through carport and an east-side golf cart garage, underscore the property's flexibility and make everyday arrivals seamless. 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), supporting a lower-maintenance ownership profile and fewer near-term capital projects. Inside, the home's bright, open layout features quartz kitchen countertops, durable finishes, and two full bathrooms. Interior finishes are clean and well maintained and largely reflect the home's original character, offering an excellent foundation for personalization while the major structural investments are already 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 well-suited as a primary residence, second home, or vacation rental opportunity (buyer to verify). Minutes to Beach Access 87, Scenic Highway 30A, Pier Park, and ECP Airport, 21312 Hilltop Avenue offers a rare combination of privacy, flexibility, and significant upgrades already in place.