1440 Dover Road, Panama City, FL 32404

$849,000

1440 Dover Road
Panama City, FL 32404
MLS# 791835
4 beds | 4 baths | 3602 sqft

The walk to the front door sets the tone: fresh, modern, and thoughtfully done from the very first step.

1 / 70

65 feet of water frontage with deep water access.

Evenings here have a way of slowing everything down. Deep water, open sky, and a front-row seat to the sunset.

Remodeled top to bottom with granite counters, stainless appliances, and crisp cabinetry, the heart of the home.

Looking out from the deck, it's easy to picture how everyday life feels here.

A comfortable, private retreat with generous space and a calm, restful feel.

Beautifully finished with quality tile work (with epoxy grout) and a spa-like feel.

A full second kitchen anchors the downstairs suite, offering flexibility most homes simply can't.

A welcoming entry that sets the tone for everything the home has been reimagined to be.

Bright, open, and inviting, with room to gather and natural light throughout.

Granite, stainless, and thoughtful finishes that make the space as functional as it is beautiful.

The craftsmanship shows in the details, from the tile to the trim, no corner was cut.

What seems like endless storage in the pantry is a bonus we all hope for.

An open dining space that flows easily from the kitchen, made for everyday meals and long conversations.

A convenient, nicely finished powder room for guests.

A bright, versatile room that works for family, guests, or a home office.

Two full living levels under one roof, ideal for multi-generational living, guests, or a private suite.

Thoughtfully rebuilt with clean finishes and quality craftsmanship.

The lower level lives like its own home, a second living area with kitchen, bedroom, and bath.

Part of the private lower-level suite, with its own access and full comfort.

A spacious elevated deck built for morning coffee, evening breezes, and taking in the water.

The back opens toward the water, where the two-story layout and elevated deck take full advantage of the view.

Classic block construction meets fresh, modern curb appeal with crisp Hardie siding and clean lines.

The full picture: over half an acre of waterfront, from the street all the way to deep water.

A generous backyard that stretches toward the seawall and the water's edge.

A newer seawall with stairs leading right down to the water.

Property Description
Stunning Deep-Water Retreat --> Fully Reimagined with Gulf Access Tucked onto approx. 65' of water frontage with direct deep-water bay and Gulf access, 1440 Dover Road is a rare blend of craftsmanship, flexibility, and waterfront living. Originally built in 1950, this two-story home has been extensively remodeled and thoughtfully updated throughout; floorplan restructured, new electrical and plumbing, tankless water heater, whole-house filtration system, windows, and Hardie board siding, just to name a few. The home features durable concrete block exterior construction with a stick-built interior. In the main-level showers and floors, you'll even find premium epoxy grout (waterproof, stain-resistant, and mildew-proof). The roof and seawall have also been replaced. Spanning 3,602 square feet, the home offers 4 bedrooms and 3.5 baths across two distinct living levels. The main level features a remodeled kitchen with granite countertops, stainless appliances, under-cabinet lighting, an open living and dining area, and a generous primary layout. Original red oak hardwood floors, refinished in a soft gray tint, bring timeless character with a fresh, modern feel throughout. The main level opens to a deck with a breathtaking view of the bay. The lower level lives like its own private retreat: a second full kitchen with butcher block countertops, family room, a fourth bedroom, additional laundry room, full bath, and its own one-car garage. It can be reached by the interior staircase or, completely independently, from its own private entrance at the back of the property ->with a dedicated driveway and garage. This level offers convenient single-level, step-free living -> no stairs throughout (just a small lip at the entry) and a zero-entry shower, making it ideal for multi-generational living, guests, or a private in-law or guest suite. There are also two attached one-car garages on the main level. Set on just over half an acre (0.57) in an established, water-oriented neighborhood, and located in Flood Zone X (outside the special flood hazard area), a meaningful advantage for waterfront buyers. Convenient to schools, shopping, Tyndall AFB, and only 15 miles from the Naval station. With a newer seawall and stairs leading right into the water, this property puts deep-water living within easy reach. Homes with this combination of quality, space, and true deep-water access don't come along often. This home is waiting for your dreams and memories to be made here.

Details

Maps

General Property Info

ud_i_08: 1044

Acreage: 0.57

Design: Split Level

Lot Size (SqFt): 24829

Apx SqFt(Htd/Cooled): 3602

Immediate Occupancy: No

Construction Status: Construction Complete

SqFt Source: Owner Measured

Half Baths: 1

# of Stories in Building: 2

Accessory Dwelling Unit: Yes

Lot Dimensions: 65x 283x 120x 258

New Construction: No

Garage Y/N: Yes

Garage Spaces: 3

Driveway Spaces: 8

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 4

Full Baths: 3

Total Baths: 4

Year Built: 1950

Contract Info

List Price/SqFt: 235.7

Status: Active

List Date: 2026-06-19

List Price: $849,000

Current Price: $849,000

Location

Sub Area: 0202 - Bay - Central SE

Community/Resort: None

Waterfront: Yes

Gulf Access: Yes

Elementary School: Tyndall Academy

Middle School: Tyndall Academy

High School: Rutherford

Directions: Turn on Soule Dr just off of Hwy 98, follow straight on to Thornton Ln and Sharon Dr and on to Dover rd. Home is on the right side

Area: 02 - Bay County - Central

Street #: 1440

Street Name: Dover

Street Suffix: Road

State: FL

Zip Code: 32404

County: Bay

Subdivision: Donalson Point

Parcel ID: 26141-000-000

Legal Description: 3RD AMENDED PLAT PT DONALSON LOT 1 BLK 7 ORB 4833 P 1783

Listing Info, Tax and Legal

Homestead: Yes

HOA Fee: No

Senior Community: No

Is Subject Leased: No

New Buyer Fee: No

Last Tax Year: 2025

Lot: 1

Block: 7

Brokerage Interest: No Interest

As Is: Yes

Section: 24

Township: Panama City

Range: 14W

Remarks & Misc

Remarks: Stunning Deep-Water Retreat --> Fully Reimagined with Gulf Access Tucked onto approx. 65' of water frontage with direct deep-water bay and Gulf access, 1440 Dover Road is a rare blend of craftsmanship, flexibility, and waterfront living. Originally built in 1950, this two-story home has been extensively remodeled and thoughtfully updated throughout; floorplan restructured, new electrical and plumbing, tankless water heater, whole-house filtration system, windows, and Hardie board siding, just to name a few. The home features durable concrete block exterior construction with a stick-built interior. In the main-level showers and floors, you'll even find premium epoxy grout (waterproof, stain-resistant, and mildew-proof). The roof and seawall have also been replaced. Spanning 3,602 square feet, the home offers 4 bedrooms and 3.5 baths across two distinct living levels. The main level features a remodeled kitchen with granite countertops, stainless appliances, under-cabinet lighting, an open living and dining area, and a generous primary layout. Original red oak hardwood floors, refinished in a soft gray tint, bring timeless character with a fresh, modern feel throughout. The main level opens to a deck with a breathtaking view of the bay. The lower level lives like its own private retreat: a second full kitchen with butcher block countertops, family room, a fourth bedroom, additional laundry room, full bath, and its own one-car garage. It can be reached by the interior staircase or, completely independently, from its own private entrance at the back of the property ->with a dedicated driveway and garage. This level offers convenient single-level, step-free living -> no stairs throughout (just a small lip at the entry) and a zero-entry shower, making it ideal for multi-generational living, guests, or a private in-law or guest suite. There are also two attached one-car garages on the main level. Set on just over half an acre (0.57) in an established, water-oriented neighborhood, and located in Flood Zone X (outside the special flood hazard area), a meaningful advantage for waterfront buyers. Convenient to schools, shopping, Tyndall AFB, and only 15 miles from the Naval station. With a newer seawall and stairs leading right into the water, this property puts deep-water living within easy reach. Homes with this combination of quality, space, and true deep-water access don't come along often. This home is waiting for your dreams and memories to be made here.

Dining Room

Basement: 1

Family Room

Basement: 1

First: 1

Foyer

First: 1

Appliances

Dishwasher: 1

Microwave: 1

Range - Electric: 1

Refrigerator: 1

Water Heater - Tankless: 1

Interior Features

Bookcases: 1

Breakfast Bar: 1

Floor - Hardwood: 1

Floor - Tile: 1

Guest Quarters: 1

Pantry: 1

Stairs: 1

Construction/Siding

Block: 1

Foundation - Off Grade: 1

Roof - Composite Shngl: 1

Siding - Hardie Board: 1

Exterior

Deck Open: 1

Double Pane Windows: 1

Porch Covered: 1

Waterfront Feature

Bulkhead/Seawall: 1

Waterfront Feet: ~65'

Financing

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Furnished

Unfurnished: 1

Interior

Bonus Room: 1

Smart Thermostat: 1

Kitchen

Second: 1

Living Room

First: 1

Lot Features

Landscaped: 1

Near Beach Access: 1

Survey Available: 1

Waterfront: 1

Within 1/2 Mile to Water: 1

Lot Access

City Street: 1

Paved Road: 1

Parking Features

Additional Parking: 1

Boat: 1

Driveway: 1

Garage Attached: 1

Garage Door Opener: 1

RV Access/Parking: 1

Present Zoning

Resid Single Family: 1

Rooms

Bedroom: 1

Dining Room: 1

Family Room: 1

Foyer: 1

Full Bathroom: 1

Kitchen: 1

Living Room: 1

Primary Bathroom: 1

Primary Bedroom: 1

Showing

ShowingTime: 1

Utilities

Cable - Available: 1

Electricity - Connected: 1

Internet - Fiber Optic: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Waterview

Bay: 1

Bayou: 1

Sale Type

As Is: 1

Full Bathroom

Basement: 1

Waterfront Type

Bay/Harbor: 1

Bayou w/ Gulf Access: 1

Primary Bedroom

First: 1

Bedroom

Basement: 1

First: 1

Cooling

Central Air: 1

Heating

Central: 1

Accessory Dwelling Unit

Attached: 1

Bathroom: 1

Bedroom: 1

Cooled: 1

Heated: 1

Kitchen: 1

Number of Bathrooms: 1

Number of Bedrooms: 1

Separate Entrance: 1

Primary Bdrm/Primary Bath

MBath Double Vanity: 1

MBath Shower Only: 1

MBath Walk-In Closet: 1

MBed First Floor: 1

MBed Sitting Area: 1

MBed Waterfront: 1

Primary Bathroom

First: 1

Property Features

Appliances: Dishwasher; Microwave; Range - Electric; Refrigerator; Water Heater - Tankless

Full Bathroom: Basement

Primary Bedroom: First

Bedroom: Basement; First

Cooling: Central Air

Heating: Central

Exterior: Deck Open; Double Pane Windows; Porch Covered

Financing: Cash; Conventional; FHA; VA

Furnished: Unfurnished

Interior: Bonus Room; Smart Thermostat

Kitchen: Second

Living Room: First

Lot Features: Landscaped; Near Beach Access; Survey Available; Waterfront; Within 1/2 Mile to Water

Lot Access: City Street; Paved Road

Accessory Dwelling Unit: Attached; Bathroom; Bedroom; Cooled; Heated; Kitchen; Separate Entrance

Primary Bathroom: First

Dining Room: Basement

Family Room: Basement; First

Foyer: First

Parking Features: Additional Parking; Boat; Driveway; Garage Attached; Garage Door Opener; RV Access/Parking

Rooms: Bedroom; Dining Room; Family Room; Foyer; Full Bathroom; Kitchen; Living Room; Primary Bathroom; Primary Bedroom

Sale Type: As Is

Showing: ShowingTime

Utilities: Cable - Available; Electricity - Connected; Internet - Fiber Optic; Public Sewer - Connected; Public Water - Connected

Waterfront Type: Bay/Harbor; Bayou w/ Gulf Access

Waterfront Feature: Bulkhead/Seawall; Bulkhead/Seawall

Waterview: Bay; Bayou

Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Primary Bedroom	First	23.42 x 14.83	23.42	14.83	Buyer to verify if deemed important
Family Room	First	19 x 16.4	19.00	16.40	Buyer to verify if deemed important
Kitchen	Second	22 x 16.4	22.00	16.40	Buyer to verify if deemed important
Living Room	First	24 x 26	24.00	26.00	Buyer to verify if deemed important
Foyer	First	10.17 x 5.58	10.17	5.58	Buyer to verify if deemed important
Bedroom	First	11.33 x 10.92	11.33	10.92	Buyer to verify if deemed important
Bedroom	First	10.75 x 10.92	10.75	10.92	Buyer to verify if deemed important
Primary Bathroom	First	10.67 x 14.33	10.67	14.33	Buyer to verify if deemed important
Family Room	Basement	17.67 x 14.33	17.67	14.33	Buyer to verify if deemed important
Dining Room	Basement	18.25 x 12.83	18.25	12.83	Buyer to verify if deemed important
Bedroom	Basement	14.08 x 11.67	14.08	11.67	Buyer to verify if deemed important
Full Bathroom	Basement	9.75 x 7.5	9.75	7.50	Buyer to verify if deemed important

Listing Office: Epique Realty Inc

Last Updated: August - 07 - 2026

Information deemed reliable but not guaranteed.

1440 Dover Road, Panama City, FL 32404 (MLS# 791835)