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My heart was still aching from the big one that got away, when another popped into view. The first was a giant fish, but this second one was a winding tropical island glimmering far below our plane, covered in palm trees with empty beaches that wandered amid blue-water shoals. The kind of spot that elicits an emotional reaction upon first sight.

I could not remember which day of the week it was, which is normal after spending a few days adventuring around Panama, so I was instantly anxious about how much time I would get to spend on the beaches below.

When you see a place that is so Corona-commercial perfect, it almost creates a mild panic that you better get a piece of it quickly or it's going to get away. I'd had that sneaking feeling ever since I'd started exploring Panama a week prior, and the view from the sky of this exotic archipelago was making things much clearer than a million real estate brochures ever could.

Circling above the Pearl Islands, pilot Andre' Beladina dipped the wing of the Beechcraft Baron 58 down toward the sea, and the new private-island community he co-founded, Isla Viveros, popped into view: strips of ivory sand wrapping around glimmering beach coves, rock promontories rimmed with sea foam, huge palm trees reaching for the ocean, and the new airstrip emerging from the jungle. That bright white coral sand beach is the best in all the Pearls, a standout section of the 20 miles of waterfront the island has due to its three-pronged shape.

Beach after isolated beach shined in the sun, all with one thing in common: nobody and nothing on them.

In a cove, a mob of frantic seabirds caught my eye, and I could see the long silver flashes of big fish churning below them in a frenzy. Naturally. "Abundance of fish"-that's what "Panama" means in the country's indigenous language.

The Pearl Islands are positioned to become the ultimate retreat. Its Hawaii-like waters are breeding grounds for both whales and whale sharks, and clear blue waves jostle over shallow reefs and white sand just 20 minutes by air from thriving, sophisticated, Panama City. Yet it feels remote, because the Pearl Island archipelago is in the middle of the Gulf of Panama. Panama is among the safest Latin American countries, and both the city and roads are comfortable day or night, but there is something to be said for the secure feeling of the miles of what is effectively a moat surrounding an island. On an island you can completely relax, leave items on the beach and let the kids run free.

Long known for oceanic riches and the legendary pearl-diving industry, the Pearl Islands are only 20 miles from some of the best known marlin grounds, giving residents the unbelievable option of running offshore to battle billfish from their own boat, and returning for golf along ocean-view holes in the same day. Or, perhaps, a more languid day of just beach-hopping by kayak through the sheltered waters to the many nameless coves.

To call Panama an adventure paradise is akin to calling St. Andrews "a nice place to golf." That much was clear during a week aboard the Lost Coast Explorer, a 100-foot yacht that underwent a million-plus dollar retrofit to start doing adventure and real estate tours to the west near Coiba Island. We saw few boats, and caught 60-pound giant cubera snapper at will from the 30-foot sportfisher-tender, off Ladrones and Montuosa Islands, along with tuna, dorado, big sharks and jacks.

On day three, four sailfish and a marlin crashed the baits behind our 30- foot sportfisher-tender by 10 a.m. Then, the fish of all fish, a 450-pound-class blue marlin, charged into the small tuna we trolled, smacked it three times with his sword, and made a stunning fast run before throwing the hook in a slashing great leap, leaving us breathless and sick. The kind of blue-water leviathan you hope to ever see once in a lifetime. The giant's tail flashed in the sun, a silver-blue crescent nearly four feet wide, as it escaped in a whitewater explosion. Perhaps my most memorable moment in a lifetime of offshore fishing. Our Panamian captain, Chicho, called it an "off" day.

We cruised the coastal parklands of Coiba on the Explorer, diving with sea turtles and sharks off a no-name isle, debating which subspecies the legions of dolphins crisscrossing under our bow belonged to, and how a bird like the enormous shocking red and blue scarlet macaw can possibly exist in nature. And that, in essence, is Panama. Wild, unspoiled, and mysterious. A blank check to experience paradise, a chance to get in on the ground floor, like your lucky friends did in Costa 15 years ago, and make amazing memories. Like trying to keep up with my beautiful snorkel-guide Natalie, swimming through stone arches and swirling eddies, popping our heads above water in caverns where perched seabirds peered down from walls covered with red rock-hugging crabs. A real live mermaid (a 20-something Venezualen surf pro who moonlights on the Explorer), Natalie swam like a porpoise through the reef behind a sea turtle or moray eel, a cloud of blonde hair occasionally indicating she'd stopped for us to catch up.

She'd never been to that exact spot, and it occurred to me that possibly no one ever had.

That is the kind of experience Panama offers to those who live here. It's a country on the way up, more exotic than Miami, at half the cost of living. Panama has a 150-year history with the U.S., the fastest-rising economy in Latin America, and that big vein of commerce called the Canal (the country took control in 2000 and it is now up from 100,000 shipping containers in 1990 to 2.5 million in 2006). Safe and stable, Panama has the best roads, infrastructure, and the only cosmopolitan city in Central America.

But the best way to see a coastal country is by water, and taking a trip around Coiba Island was a great way see the incredible wilderness area and get a feel for the country. Explorer owner Andrea Palle has been coming here for years, and sees coastal property all the time that is still badly undervalued compared to other places.

"Panama presents a chance to buy land that's next to untouched beauty in a country that is very stable, and affordable enough you can buy a lot of it and enjoy the appreciation possibilities," she says.

All of Panama holds such potential, but the Pearl Islands just might be unrivalled. It will be an extraordinary life, out here, with no polluting industry near, just clean clear water to sail. Like Cabo without the swarms of people and boats. Lots overlook white sands, not black, littered with untouched pink shells.

We lifted off the runway, which will be 7,000 feet when finished, and Andre' Beladina summed up the magic of the Pearls.

"There are very few places to do something like this. I don't know of any place like this for people who love the sea and golf and fishing. We are in the center of the archipelago and it is a natural and beautiful environment."

The legend of La Peregrina is incredible -its discoverer used the giant pearl to buy his freedom-but it wasn't that huge black pearl that is precious, irreplaceable, one-of-a-kind.

It's these islands, and the entire country of Panama.