Welcome to 13728 Hwy 20, a beautifully maintained 3 bedroom, 2.5 bath, two story home full of character and charm you just don't find every day. Located just 45 minutes from Panama City Beach, this home combines rustic elegance with modern comfort, featuring cedar log siding, exposed beams throughout the ceilings, and inviting front and back porches perfect for relaxing or entertaining. Inside, you'll find stainless steel appliances and a recently updated walk in shower, blending modern updates with the home's unique character. The property also offers peace of mind with a whole home Generac generator, keeping everything running smoothly during power outages. Outside, a newly installed fence surrounds a lush, established landscape filled with blooming azaleas, jasmine, gardenias, and rose bushes, and a two story detached, 2car garage provides extra space for vehicles, projects, or storage. Within walking distance of a brand new sports complex currently under construction, this home delivers not just a great place to live, but exciting future value as well.