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

403 Highway 2297, Panama City, FL 32404

$689,000

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,767 Lot Size (sq. ft.): 225,205 Status: Under Contract – Taking Backups

Current Price: $689,000 List Date: 2/10/2026 Last Modified: 6/08/2026

Overview

Description

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, gener … (Read more)

Listing Details MLS# 784997

Contract Info

List Price/SqFt: 389.93

Location

Area: 05 – Bay County – East
Street #: 403
Street Name: Highway 2297
State: FL
Zip Code: 32404
County: Bay
Sub Area: 0516 – Bay East – Sandy Creek/East Callaway Heights
Subdivision: [No Recorded Subdiv]
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 06656-035-000
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.
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

General Property Info

Sub-Type: Detached Single Family
Design: Ranch
Apx SqFt(Htd/Cooled): 1767
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Year Built: 1976
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: IRR
Acreage: 5.17
Lot Size (SqFt): 225205
Pool: No

Status Change Info

Under Contract Date: 2026-05-21

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 3858
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

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.

More Information

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes
Water Purifier – Owned: Yes

Interior Features

Ceiling – Beamed: Yes
Ceiling – Raised: Yes
Fireplace: Yes
Floor – Tile: Yes
Lighting – Recessed: Yes

Construction/Siding

Brick: Yes
Roof – Metal: Yes

Exterior

Fenced Back Yard: Yes
Fenced Chain Link: Yes
Fenced Lot-All: Yes
Patio Enclosed: Yes
Porch Screened: Yes

Waterfront Feature

Boatlift: Yes
Dock: Yes

Other Structures

Outbuilding: Yes
Shed(s): Yes

Financing

Cash: Yes
Conventional: Yes
VA: Yes

Furnished

Unfurnished: Yes

Interior

Smart Thermostat: Yes

Lot Features

Deeded Access Water: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes
Wooded: Yes

Lot Access

Paved Road: Yes

Parking Features

Additional Parking: Yes
Boat: Yes
Driveway: Yes
Garage Attached: Yes
Gravel: Yes
Oversized: Yes
RV Access/Parking: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBed Walk-in Closet: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Master Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

Cable – Available: Yes
Electricity – Connected: Yes
Garbage: Yes
Phone – Available: Yes
Private Well: Yes
Septic Tank: Yes

Waterview

Bay: Yes
Bayou: Yes

Sale Type

As Is: Yes

Waterfront Type

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

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes
Fireplace – Wood Burning: Yes

Security Features

Security Fence: Yes
Security Gate: Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Electric; Water Purifier – Owned Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air Heating: Central; Fireplace – Wood Burning Exterior: Fenced Back Yard; Fenced Chain Link; Fenced Lot-All; Patio Enclosed; Porch Screened Financing: Cash; Conventional; VA Furnished: Unfurnished Interior: Smart Thermostat Lot Features: Deeded Access Water; Waterfront; Within 1/2 Mile to Water; Wooded Lot Access: Paved Road Security Features: Security Fence; Security Gate Parking Features: Additional Parking; Boat; Driveway; Garage Attached; Gravel; Oversized; RV Access/Parking Other Structures: Outbuilding; Shed(s) Rooms: Bedroom; Master Bedroom Sale Type: As Is Showing: ShowingTime Utilities: Cable – Available; Electricity – Connected; Garbage; Phone – Available; Private Well; Septic Tank Waterfront Type: Bay/Harbor; Bayou w/ Gulf Access Waterfront Feature: Boatlift; Dock Waterview: Bay; Bayou Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Bedroom	First	12 x 11	12.00	11.00
Bedroom	First	11 x 11	11.00	11.00
Master Bedroom	First	16 x 13	16.00	13.00

Listing Office: Legacy Premier Agency

Last Updated: June – 08 – 2026

Information deemed reliable but not guaranteed.