SELLER FINANCING AVAILABLE! Buildable 0.21-acre lot located at the end of a quiet cul-de-sac in the desirable North Lagoon Oaks Subdivision. This property offers flexibility with no HOA, giving you freedom in your building plans. Boundary survey and environmental report are available, providing valuable due diligence for your future project. Conveniently situated just minutes from Patronis Elementary School, Richard Seltzer Park beach access, and Upper Grand Lagoon. A rare opportunity to secure a ready-to-develop lot in a well-established Panama City Beach neighborhood close to shopping, dining, and local attractions.