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

1440 Dover Road, Panama City, FL 32404

$849,000

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

Virtual Tour

https://www.zillow.com/homedetails/1440-Dover-Rd-Panama-City-FL-32404/300177532_zpid/?utm_campaign=zillowwebmessage&utm_medium=referral&utm_source=txtshare

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 Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 3,602 Lot Size (sq. ft.): 24,829 Status: Active

Current Price: $849,000 List Date: 7/15/2026 Last Modified: 7/25/2026

Overview

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 … (Read more) 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 curbless, 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.

Listing Details MLS# 791835

Contract Info

List Price/SqFt: 235.7

Location

Area: 02 – Bay County – Central
Street #: 1440
Street Name: Dover
Street Suffix: Road
State: FL
Zip Code: 32404
County: Bay
Sub Area: 0202 – Bay – Central SE
Subdivision: Donalson Point
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 26141-000-000
Elementary School: Tyndall
Middle School: Rutherford Middle
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
Legal Description: 3RD AMENDED PLAT PT DONALSON LOT 1 BLK 7 ORB 4833 P 1783

General Property Info

Sub-Type: Detached Single Family
Design: Split Level
Apx SqFt(Htd/Cooled): 3602
SqFt Source: Owner Measured
Full Baths: 3
Half Baths: Yes
Total Baths: 4
# of Stories in Building: 2
Year Built: 1950
Immediate Occupancy: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Lot Dimensions: 65x 283x 120x 258
Acreage: 0.57
Lot Size (SqFt): 24829
Pool: No

Accessory Dwelling Unit

Number of Bathrooms: Yes
Number of Bedrooms: Yes
Attached: Yes
Bathroom: Yes
Bedroom: Yes
Cooled: Yes
Heated: Yes
Kitchen: Yes
Separate Entrance: Yes

Waterfront Feature

Waterfront Feet: ~65'
Bulkhead/Seawall: Yes

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: Yes
Block: 7
Brokerage Interest: No Interest
As Is: Yes
Section: 24
Township: Panama City
Range: 14W

More Information

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 curbless, 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: Yes

Family Room

Basement: Yes
First: Yes

Foyer

First: Yes

Appliances

Dishwasher: Yes
Microwave: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Tankless: Yes

Interior Features

Bookcases: Yes
Breakfast Bar: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Guest Quarters: Yes
Pantry: Yes
Stairs: Yes

Construction/Siding

Block: Yes
Foundation – Off Grade: Yes
Roof – Composite Shngl: Yes
Siding – Hardie Board: Yes

Exterior

Deck Open: Yes
Double Pane Windows: Yes
Porch Covered: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Interior

Bonus Room: Yes
Smart Thermostat: Yes

Kitchen

Second: Yes

Living Room

First: Yes

Lot Features

Landscaped: Yes
Near Beach Access: Yes
Survey Available: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes

Lot Access

City Street: Yes
Paved Road: Yes

Parking Features

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

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Family Room: Yes
Foyer: Yes
Full Bathroom: Yes
Kitchen: Yes
Living Room: Yes
Primary Bathroom: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

Cable – Available: Yes
Electricity – Connected: Yes
Internet – Fiber Optic: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Bay: Yes
Bayou: Yes

Sale Type

As Is: Yes

Full Bathroom

Basement: Yes

Waterfront Type

Bay/Harbor: Yes
Bayou w/ Gulf Access: Yes

Primary Bedroom

First: Yes

Bedroom

Basement: Yes
First: Yes

Cooling

Central Air: Yes

Heating

Central: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes
MBed Sitting Area: Yes
MBed Waterfront: Yes

Primary Bathroom

First: Yes

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: July – 25 – 2026

Information deemed reliable but not guaranteed.