Usda approved location! Unlock the door to homeownership with a 100% usda financed purchase. No down payment required! Discover paradise at 316 skunk valley road, in panama city, florida. Nestled in the tranquil setting of white oaks, this charming 4 bedroom, 2 bathroom home offers the perfect blend of comfort and convenience. With a spacious living room, vaulted ceilings, a vibrant peach tree in the front yard, and a large fenced in backyard, there's plenty of space for your family, fur babies, friends, boats, rv, trailers, or whatever your heart desires! Located just 20 minutes from the bustling heart of panama city and panama city beach, this property offers the ideal balance of peace and accessibility. Enjoy the tranquility of rural living while remaining close to all the amenities and attractions the area has to offer. Key features:spacious living areas: relax in the large open living room with vaulted ceilings, and large windows creating a bright and airy atmosphere. Modern kitchen: the kitchen features stainless steel appliances; frigidaire refrigerator, whirlpool; dishwasher, range, microwave, and corian countertops for your culinary adventures. Outdoor oasis: enjoy your private patio surrounded by lush landscaping and a large fenced in backyard, perfect for kids and pets. Grow your favorite garden, or store your large outdoor toys in the backyard. Additional features:2 car garage and drive way: plenty of space for your vehicles and toys. 0. 87 acres of land: ample space for a workshop, swimming pool, and a garden. High speed internet: stay connected with recently installed, at&t fiber optics. New ac (2023): inside and out! Keep your home comfortable year round. Irrigation sprinkler system: maintain a lush lawn and garden. Survey available: peace of mind for your investment. Covered porch: enjoy outdoor living even on rainy days. Energy star appliances: reduce your energy costs and help the environment. Frigidaire refrigerator, whirlpool dishwasher, range, and microwave: included with the sale. Easy access to backyard: drive directly to the backyard from the left side of the home. Septic and drain field in backyard: conveniently located for maintenance. No hoa, and total sqft is 2,380. Don't miss out on this incredible opportunity to own a peaceful and convenient home just a short drive from the beach and city amenities. Schedule your showing today! Buyer to verify all information deemed important.