Introducing a rare opportunity in Hadley's Beach an ultra exclusive, low density Gulf front community in Panama City Beach, where only ten first tier homes exist... and opportunities like this almost never come to market. Priced at $2.99M and capable of generating up to $250,000 annually, this newly constructed three story retreat isn't just a luxury home. It's a high performing coastal asset designed to deliver both lifestyle and income in one irreplaceable location. And now, with owner financing available, the path to ownership becomes even more accessible. Step inside and the experience begins immediately. The first level welcomes guests with a private suite and a relaxed secondary living space ideal for maximizing rental flexibility and privacy. Expansive glass doors open to a covered outdoor kitchen and lounge, creating a seamless flow into the backyard retreat, where a heated saltwater pool, sun shelf, and swim deck offer a resort style experience just steps from the Gulf. Upstairs, the second floor is where the home truly opens up. Soaring 12 foot ceilings and floor to ceiling windows frame uninterrupted Gulf views, flooding the open concept living and dining area with natural light. The chef's kitchen is built for both entertaining and efficiency, featuring high end appliances, premium finishes, and an oversized island that anchors the space. A guest bedroom and additional baths on this level provide flexibility for both personal use and rental demand. The third floor is designed for capacity, comfort, and repeat bookings. Two Gulf facing primary suites deliver private balconies and spa style baths. Creating a premium experience guests will return for year after year. A custom bunk room adds high value sleeping capacity for families, while an additional guest suite ensures every visitor has space and privacy. With 5 bedrooms, 6.5 bathrooms, a dedicated bunk room, and multiple living areas across all three levels, the layout is engineered for high occupancy short term rental performance without sacrificing luxury. Every detail has been considered to maximize both ease and income: A full fire suppression system meeting STR requirements, a garage and oversized driveway accommodating 5+ vehicles, and an EV charger. All designed to support today's high end renter expectations while reducing ownership friction. But what truly sets this property apart cannot be duplicated: Hadley's Beach is one of the only communities of its kind on Panama City Beach low density, Gulf front, and tightly held. That means limited competition, consistent demand, and a level of exclusivity that protects both your experience and your investment. Whether you're seeking a luxury second home, a full time coastal residence, or a property that performs as beautifully financially as it does visually, this home offers something rare: A beachfront lifestyle that doesn't just cost you it contributes to you.