403 Highway 2297, Panama City, FL 32404 (MLS# 784997)

List Price/SqFt: 389.93

Status: Under Contract - Taking Backups

List Date: 2026-02-10

List Price: $689,000

Current Price: $689,000

Sub Area: 0516 - Bay East - Sandy Creek/East Callaway Heights

Community/Resort: None

Waterfront: Yes

Gulf Access: Yes

Elementary School: Callaway

Middle School: Rutherford Middle

High School: Rutherford

Directions: Heading east on HWY 22 and S Star Ave (719), Turn right on HWY 2297, look for The Herring Team KW sign on the Left. Destination is on your left.

Area: 05 - Bay County - East

Street #: 403

Street Name: Highway 2297

State: FL

Zip Code: 32404

County: Bay

Subdivision: [No Recorded Subdiv]

Parcel ID: 06656-035-000

Legal Description: 13 4S 13W 10A -8.3-163A BEG 210' N OF SW COR OF NE1/4 OF SEC TH N 436.61' TO SELY R/W CNTY RD #2297 NELY ALG R/W 50' SELY 461.46' S 521.99' TO SEC LINE W 308.22' N 210' W 210' TO POB ORB 4520 P 790

Acreage: 5.17

Design: Ranch

Lot Size (SqFt): 225205

Apx SqFt(Htd/Cooled): 1767

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: IRR

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 2

Year Built: 1976

HOA Fee: No

New Buyer Fee: No

Last Taxes: 3858

Last Tax Year: 2025

Brokerage Interest: No Interest

Remarks: CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS Rare opportunity to own a beautifully updated 3-bedroom, 2-bath brick home with Gulf access, situated on 5 private acres along Cook's Bayou. This property offers exceptional flexibility--bring the boat, RV, four-wheeler, or horse--with room to live, work, and play in a peaceful waterfront setting. Built in 1976 and thoughtfully renovated, the 1,767 sq ft home blends classic character with modern upgrades. Interior features include functional wood burning fireplace, fresh paint, quartz countertops, new ceiling fans, and closet organizers throughout. The primary bathroom has been fully remodeled, and the kitchen is equipped with an induction cooktop, double ovens with convection and air-fryer modes, and stainless steel appliances--all less than three years old. Significant improvements include popcorn ceiling removal, 2024 HVAC, Honeywell programmable thermostat, Pristine Air UV filtration system, water softener, generator outlet, 2017 metal roof, hurricane ties for wind mitigation, and a whitewashed brick exterior. Outdoor amenities include a solar-powered gated entrance, 12'x32' shed, motorized screened back porch, raised metal garden beds, citrus trees, private pond, and mature moss-draped oak trees. Nearly $30,000 in dock upgrades include an expanded dock and 7,000-lb boat lift, providing direct access to the Gulf. Property sits on tidal waters with Gulf access through Cook's Bayou. Bridge vertical clearance is approximately 9'6'', suitable for smaller boats. Ideal for a private waterfront homestead, recreational retreat, or future expansion--this unique property offers space, privacy, and true Florida waterfront living.

Cooktop - Electric: 1

Dishwasher: 1

Microwave: 1

Oven - Electric: 1

Range - Electric: 1

Refrigerator: 1

Water Heater - Electric: 1

Water Purifier - Owned: 1

Ceiling - Beamed: 1

Ceiling - Raised: 1

Fireplace: 1

Floor - Tile: 1

Lighting - Recessed: 1

Brick: 1

Roof - Metal: 1

Fenced Back Yard: 1

Fenced Chain Link: 1

Fenced Lot-All: 1

Patio Enclosed: 1

Porch Screened: 1

Boatlift: 1

Dock: 1

Outbuilding: 1

Shed(s): 1

Cash: 1

Conventional: 1

VA: 1

Unfurnished: 1

Smart Thermostat: 1

Deeded Access Water: 1

Waterfront: 1

Within 1/2 Mile to Water: 1

Wooded: 1

Paved Road: 1

Additional Parking: 1

Boat: 1

Driveway: 1

Garage Attached: 1

Gravel: 1

Oversized: 1

RV Access/Parking: 1

MBath Double Vanity: 1

MBath Shower Only: 1

MBed Walk-in Closet: 1

Resid Single Family: 1

Bedroom: 1

Master Bedroom: 1

ShowingTime: 1

Cable - Available: 1

Electricity - Connected: 1

Garbage: 1

Phone - Available: 1

Private Well: 1

Septic Tank: 1

Bay: 1

Bayou: 1

As Is: 1

Bay/Harbor: 1

Bayou w/ Gulf Access: 1

First: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Central: 1

Fireplace - Wood Burning: 1

Security Fence: 1

Security Gate: 1

Under Contract Date: 2026-05-21