YOUR FUTURE FLORIDA HOME STARTS HERE! Discover this approximately 0.11-acre residential lot on Raintree Drive in Panama City's Sandy Creek Ranch & Country Club Phase II community. With approximately 40 feet of frontage and 120 feet of depth, this Bay County parcel is zoned R-1 (Single-Family) and located in Flood Zone X. Whether you're planning your next home or securing a homesite for the future, this lot offers an affordable opportunity to own land in an established Panama City community. Enjo...YOUR FUTURE FLORIDA HOME STARTS HERE! Discover this approximately 0.11-acre residential lot on Raintree Drive in Panama City's Sandy Creek Ranch & Country Club Phase II community. With approximately 40 feet of frontage and 120 feet of depth, this Bay County parcel is zoned R-1 (Single-Family) and located in Flood Zone X. Whether you're planning your next home or securing a homesite for the future, this lot offers an affordable opportunity to own land in an established Panama City community. Enjoy a country-style setting surrounded by nature, with access to shopping, dining, and everyday conveniences. HOA dues are $400 annually, and the neighborhood has public water and sewer. Country Club Drive and Highway 2297 connect you to Highway 22 for travel toward Panama City and Tyndall Air Force Base. Explore the region's beaches, boating, and fishing destinations during your downtime. Qualified buyers may purchase with as little as 20% down payment, subject to lender approval and financing terms. Parcel ID: 07400-643-000. GPS coordinates: 30.1137, -85.5062.