Modernized west-end coastal cottage with over $70K in lifestyle and structural improvements, private fenced yard, and golf-cart access to Beach 87. Welcome to 21312 Hilltop Avenue, a thoughtfully updated Florida Coastal Cottage on the quiet west end of Panama City Beach. Blending privacy, convenience, and refined coastal living, this fully enclosed corner property lies just minutes from the sugar-white sands of Beach Access 87, Scenic Highway 30A, Pier Park dining and shopping, and Northwest Florida Beaches International Airport (ECP)—all with no HOA restrictions. The home features extensive enhancements designed for comfort, efficiency, and long-term value. A Trex privacy fence, custom gates, and a stuccoed concrete wall with decorative columns surround the property, accented by black wrought-iron fencing for curb appeal. A 26' × 7' Trex front porch (2022), covered carport with double gates, and paver-extended driveway (2024-2025) add functionality and style. The backyard is a private lifestyle retreat, complete with a custom putting green, turf lawn with engineered drainage, mature landscaping, and large planters. An east-side outdoor shower offers beach-day convenience, while the west-side entertaining area includes a working sink, refrigerator, and grill—perfect for gatherings under the coastal sky. Multiple gated entry points, including a golf-cart garage with drive-through access, make every day seamless from home to beach. Premium structural updates deliver peace of mind and potential insurance savings: raised-seam metal roof (2022) with new gutters, PGT impact-rated windows, Therma-Tru doors, and tinted storm doors. Essential systems have also been renewed: new septic system (2022), HVAC (2019, serviced biannually), and water heater (2021)—providing low-maintenance ownership for years to come. Inside, the home's bright, open layout pairs quartz kitchen countertops with durable finishes and two full baths. Thoughtful updates maintain a clean coastal aesthetic while leaving room for personal expression. The result is a move-in-ready property where every major investment is already complete. Completely enclosed and crafted for both privacy and lifestyle, this residence in the golf-cart-friendly Riviera Beach community is ideal as a primary home, second-home retreat, or high-performing vacation rental. With its blend of outdoor luxury, modern improvements, and proximity to 30A's amenities, 21312 Hilltop Avenue offers an exceptional opportunity to experience the best of Florida's Emerald Coast living. 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
