325 Confidence Way, Panama City, FL 32409 (MLS# 794698)

325 Confidence Way, Panama City, FL 32409

New Listing

$995,000

64-web-or-mls-PANHANDLE - 325 CONFIDENCE

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,761 Lot Size (sq. ft.): 15,246 Status: Active

Current Price: $995,000 List Date: 8/28/2026 Last Modified: 8/28/2026

Overview

Description

EXTRAORDINARY 1.99% ASSUMABLE VA LOAN available to qualified buyers, subject to lender approval. Welcome to 325 Confidence Way, where peaceful bayou living meets Gulf-access adventure. Positioned directly on the water in the desirable Fanning Bayou community, this exceptional home offers boating access to the Gulf, Shell Island and Gulf Intracoastal Waterway destinations, including Crab Island. Enjoy wide water views from the main living areas, primary suite and expansive screened porch. Envision building your own private dock and creating the waterfront lifestyle you have always wanted. Across the street, a recorded conservation easement requires the land to be maintained forever predominantly in its natural condition and prohibits buildings and other structures, providing a protected natural buffer. Inside, the bright, open-concept design is filled with natural light and thoughtfully arranged for everyday living and entertaining. Updated lighting fixtures throughout add a … (Read more) EXTRAORDINARY 1.99% ASSUMABLE VA LOAN available to qualified buyers, subject to lender approval. Welcome to 325 Confidence Way, where peaceful bayou living meets Gulf-access adventure. Positioned directly on the water in the desirable Fanning Bayou community, this exceptional home offers boating access to the Gulf, Shell Island and Gulf Intracoastal Waterway destinations, including Crab Island. Enjoy wide water views from the main living areas, primary suite and expansive screened porch. Envision building your own private dock and creating the waterfront lifestyle you have always wanted. Across the street, a recorded conservation easement requires the land to be maintained forever predominantly in its natural condition and prohibits buildings and other structures, providing a protected natural buffer. Inside, the bright, open-concept design is filled with natural light and thoughtfully arranged for everyday living and entertaining. Updated lighting fixtures throughout add a stylish, contemporary touch. The spacious gathering room features a tray ceiling, recessed lighting and picturesque bayou views. The adjoining dining area flows into a well-appointed kitchen featuring an oversized granite island, abundant cabinetry, stainless steel appliances, double ovens, range hood and walk-in pantry. The waterfront primary suite offers a peaceful retreat with a tray ceiling and beautiful bayou views. The spacious bath features dual vanities, a soaking tub, and a separate shower while the walk in closet includes a custom organization system. Custom-designed closet organization systems are found throughout the home, offering abundant built-in shelving, hanging space and storage. Step outside to the screened waterfront porch and enjoy morning coffee, evening sunsets and the ever-changing bayou scenery. The spacious three car garage offers ample parking along with built in storage for boating equipment and recreational gear. The roof was replaced in 2023 with GAF Timberline HDZ shingles and GAF WeatherWatch underlayment, adding another valuable improvement. Community amenities include a resort-style pool, hot tub, covered gathering pavilion and playground. With its direct bayou frontage, exceptional boating access, protected natural surroundings, spacious open layout and remarkably low assumable interest rate, 325 Confidence Way presents a rare opportunity to enjoy the best of Northwest Florida waterfront living.

Listing Details MLS# 794698

Contract Info

List Price/SqFt: 360.38

Location

Area: 04 – Bay County – North
Street #: 325
Street Name: Confidence
Street Suffix: Way
State: FL
Zip Code: 32409
County: Bay
Sub Area: 0410 – Bay North – West Deerpoint/Southport
Subdivision: Fanning Bayou
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 08428-150-010
Elementary School: Southport
Middle School: Deane Bozeman
High School: Deane Bozeman
Directions: HWY 77 N, turn left onto County Rd 2300. Continue approximately 2.5 miles and turn left onto Fanning Bayou Dr. At the first roundabout, take the 2nd exit to continue on Fanning Bayou Dr. At the next roundabout, take the 1st exit onto Confidence Way. Continue approximately 0.5 miles. Home will be on the right.
Legal Description: FANNING BAYOU PH 6 LOT 1 SUBJ TO C EAS ORB 4086 P 1568) . ORB 4316 P 1837

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 2761
SqFt Source: Prop App Site
Full Baths: 3
Half Baths: Yes
Total Baths: 4
Accessory Dwelling Unit: No
Year Built: 2020
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Lot Dimensions: Irregular Lot-See Survey
Acreage: 0.35
Lot Size (SqFt): 15246
Pool: Yes
Pool Type: Community

Waterfront Feature

Waterfront Feet: 100
RiparianRights: Yes
Shore – Natural: Yes

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 432.59
HOA Frequency: Quarterly
HOA Annual Amount: 1730.36
New Buyer Fee: Yes
Last Taxes: 4596.58
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: EXTRAORDINARY 1.99% ASSUMABLE VA LOAN available to qualified buyers, subject to lender approval. Welcome to 325 Confidence Way, where peaceful bayou living meets Gulf-access adventure. Positioned directly on the water in the desirable Fanning Bayou community, this exceptional home offers boating access to the Gulf, Shell Island and Gulf Intracoastal Waterway destinations, including Crab Island. Enjoy wide water views from the main living areas, primary suite and expansive screened porch. Envision building your own private dock and creating the waterfront lifestyle you have always wanted. Across the street, a recorded conservation easement requires the land to be maintained forever predominantly in its natural condition and prohibits buildings and other structures, providing a protected natural buffer. Inside, the bright, open-concept design is filled with natural light and thoughtfully arranged for everyday living and entertaining. Updated lighting fixtures throughout add a stylish, contemporary touch. The spacious gathering room features a tray ceiling, recessed lighting and picturesque bayou views. The adjoining dining area flows into a well-appointed kitchen featuring an oversized granite island, abundant cabinetry, stainless steel appliances, double ovens, range hood and walk-in pantry. The waterfront primary suite offers a peaceful retreat with a tray ceiling and beautiful bayou views. The spacious bath features dual vanities, a soaking tub, and a separate shower while the walk in closet includes a custom organization system. Custom-designed closet organization systems are found throughout the home, offering abundant built-in shelving, hanging space and storage. Step outside to the screened waterfront porch and enjoy morning coffee, evening sunsets and the ever-changing bayou scenery. The spacious three car garage offers ample parking along with built in storage for boating equipment and recreational gear. The roof was replaced in 2023 with GAF Timberline HDZ shingles and GAF WeatherWatch underlayment, adding another valuable improvement. Community amenities include a resort-style pool, hot tub, covered gathering pavilion and playground. With its direct bayou frontage, exceptional boating access, protected natural surroundings, spacious open layout and remarkably low assumable interest rate, 325 Confidence Way presents a rare opportunity to enjoy the best of Northwest Florida waterfront living.

More Information

Dining Room

First: Yes

Pantry

First: Yes

Pool Features

Fenced: Yes
Inground: Yes
Spa/ Hot Tub: Yes

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
ENERGY STAR Qualified Appliances: Yes
Microwave: Yes
Oven – Electric: Yes
Range Hood: Yes
Refrigerator: Yes

Interior Features

Ceiling – Crwn Molding: Yes
Ceiling – Raised: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Pantry: Yes

Construction/Siding

Foundation – On Piling: Yes
Roof – Asphalt: Yes
Siding – Hardie Board: Yes

Exterior

Double Pane Windows: Yes
Porch Screened: Yes

Association Fees Include

Accounting: Yes
BBQ Pit/Grill: Yes
Legal: Yes
Management: Yes
Pavilion/Gazebo: Yes
Playground: Yes
Pool: Yes

Financing

Assume w/int: Yes
Cash: Yes
Conventional: Yes
VA: Yes
Other: Yes

Furnished

Unfurnished: Yes

Interior

Ceiling – Tray: Yes
Smart Home: Yes
Smart Thermostat: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Landscaped: Yes
Waterfront: Yes

Lot Access

County Road: Yes
Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes

Association Amenities

BBQ Pit/Grill: Yes
Playground: Yes
Pool: Yes

Rooms

Dining Room: Yes
Kitchen: Yes
Living Room: Yes
Primary Bedroom: Yes
Pantry: Yes

Utilities

Electricity – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Bayou: Yes

Waterfront Type

Bayou w/ Gulf Access: Yes
See Remarks: Yes

Primary Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Security Features

Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; ENERGY STAR Qualified Appliances; Microwave; Oven – Electric; Range Hood; Refrigerator Primary Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Double Pane Windows; Porch Screened Association Fees Include: Accounting; BBQ Pit/Grill; Legal; Management; Pavilion/Gazebo; Playground; Pool Financing: Assume w/int; Cash; Conventional; VA; Other Furnished: Unfurnished Interior: Ceiling – Tray; Smart Home; Smart Thermostat Kitchen: First Living Room: First Lot Features: Landscaped; Waterfront Lot Access: County Road; Paved Road Dining Room: First Pool Features: Fenced; Inground; Spa/ Hot Tub Pantry: First Security Features: Smoke Detector(s) Parking Features: Driveway; Garage Attached; Garage Door Opener Association Amenities: BBQ Pit/Grill; Playground; Pool Rooms: Dining Room; Kitchen; Living Room; Primary Bedroom; Pantry Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Bayou w/ Gulf Access; See Remarks Waterfront Feature: RiparianRights; Shore – Natural Waterview: Bayou

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	13 x 18	13.00	18.00
Dining Room	First	10 x 10	10.00	10.00
Kitchen	First	9 x 10	9.00	10.00
Pantry	First	4 x 4	4.00	4.00
Primary Bedroom	First	15 x 13	15.00	13.00

Listing Office: Barbee Beach House Realty

Last Updated: August – 28 – 2026

Information deemed reliable but not guaranteed.