4409 Deer Point Cove Lane, Panama City, FL 32404 (MLS# 782527)

4409 Deer Point Cove Lane, Panama City, FL 32404

$975,000

Property Type: Residential Bedrooms: 5 Baths: 3 Square Footage: 3,926 Lot Size (sq. ft.): 54,886 Status: Active

Current Price: $975,000 List Date: 1/08/2026 Last Modified: 2/06/2026

Overview

Description

Discover an exceptional privately gated estate on Deer Point Cove Lane, set within a small, private setting and crafted with impressive detail, functionality, and quality throughout. This red-brick residence is introduced by an elongated half-circle driveway, expansive RV parking, and a 2+ car garage wired for electric charging. A detached third garage adds even more versatility and includes a climate-controlled 2,000-bottle wine cellar with Vintage View and Sorbus racking, plus a fully equipped 11×6 secure storage and firearms room. The property also conveys with a half-acre, fully buildable lot (estimated $100K value) already improved with power, offering opportunities for future use or added privacy. Additional exterior features include 58 solar panels with two Tesla Powerwalls, a sprinkler system, private Econfina well, septic, security cameras, Ring doorbell, hardwired pathway lighting, Nest thermostats, and two HVAC systems. Inside, the main level features ceramic tile floorin … (Read more) Discover an exceptional privately gated estate on Deer Point Cove Lane, set within a small, private setting and crafted with impressive detail, functionality, and quality throughout. This red-brick residence is introduced by an elongated half-circle driveway, expansive RV parking, and a 2+ car garage wired for electric charging. A detached third garage adds even more versatility and includes a climate-controlled 2,000-bottle wine cellar with Vintage View and Sorbus racking, plus a fully equipped 11×6 secure storage and firearms room. The property also conveys with a half-acre, fully buildable lot (estimated $100K value) already improved with power, offering opportunities for future use or added privacy. Additional exterior features include 58 solar panels with two Tesla Powerwalls, a sprinkler system, private Econfina well, septic, security cameras, Ring doorbell, hardwired pathway lighting, Nest thermostats, and two HVAC systems. Inside, the main level features ceramic tile flooring, a newly remodeled kitchen, and an extra-large island topped with an exotic marble-granite hybrid that extends into a full-height backsplash. The GE Café Signature Series appliance suite and Italian copper ductless range hood create a striking focal point. The grand living room showcases 20-foot ceilings and overlooks the saltwater pool and hot tub, supported by pool pumps, filtration system, and gas heater that are less than five years old. Outdoor living includes two dedicated entertainment areas. The first is a fully outfitted pool house kitchen with a fireplace, bar area, refrigerators, microwave, and sound system. Across the patio, the second outdoor kitchen includes a grill, stovetop, wine fridge, refrigerator (plumbed for an icemaker), prep sink, ceiling fan, and its own A/C unit. The main-level owner’s suite features coffered ceilings, a sitting area, and double French doors leading to the pool area. The remodeled bath includes live-edge granite counters, vessel sinks, a soaking tub, extensive storage, and a remarkable 12-foot shower with five showerheads. Upstairs, a beautifully updated full bath showcases live-edge granite, oval vessel sinks, a glass-enclosed tub/shower, and frosted glass barn doors. Four additional bedrooms offer generous closet space, including one en suite with a balcony overlooking the pool. The oversized bedroom above the garage provides excellent potential for a media room or other flexible use. This estate offers extensive upgrades, thoughtfully designed spaces, and modern systems, creating a standout opportunity near Deer Point Lake.

Listing Details MLS# 782527

Contract Info

List Price/SqFt: 248.34

Location

Area: 04 – Bay County – North
Street #: 4409
Street Name: Deer Point Cove
Street Suffix: Lane
State: FL
Zip Code: 32404
County: Bay
Sub Area: 0410 – Bay North – West Deerpoint/Southport
Subdivision: Deer Point Cove
Community/Resort: None
Waterfront: No
Parcel ID: 05487-750-005
Elementary School: Deer Point
Middle School: Deane Bozeman
High School: Deane Bozeman
Directions: From hwy 2321 turn onto highpoint road. deer point cove lane is on the left. home is on the right.
Legal Description: DEER POINT COVE LOT 1 ***AND*** RETENTION AREA DES IN ORB 2935 P 758 ORB 4688 P 440

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 3926
SqFt Source: Prop App Site
Full Baths: 3
Total Baths: 3
# of Stories in Building: 2
Year Built: 2006
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Driveway Spaces: 12
Lot Dimensions: survey needed
Acreage: 1.26
Lot Size (SqFt): 54886
Pool: Yes
Pool Type: Private

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 681
HOA Frequency: Annually
HOA Annual Amount: 681
New Buyer Fee: No
Last Taxes: 7973
Last Tax Year: 2024
Brokerage Interest: Owner Outside Licensee – Owner is a licensed real estate broker or salesperson.
As Is: Yes

Remarks & Misc

Remarks: Discover an exceptional privately gated estate on Deer Point Cove Lane, set within a small, private setting and crafted with impressive detail, functionality, and quality throughout. This red-brick residence is introduced by an elongated half-circle driveway, expansive RV parking, and a 2+ car garage wired for electric charging. A detached third garage adds even more versatility and includes a climate-controlled 2,000-bottle wine cellar with Vintage View and Sorbus racking, plus a fully equipped 11×6 secure storage and firearms room. The property also conveys with a half-acre, fully buildable lot (estimated $100K value) already improved with power, offering opportunities for future use or added privacy. Additional exterior features include 58 solar panels with two Tesla Powerwalls, a sprinkler system, private Econfina well, septic, security cameras, Ring doorbell, hardwired pathway lighting, Nest thermostats, and two HVAC systems. Inside, the main level features ceramic tile flooring, a newly remodeled kitchen, and an extra-large island topped with an exotic marble-granite hybrid that extends into a full-height backsplash. The GE Café Signature Series appliance suite and Italian copper ductless range hood create a striking focal point. The grand living room showcases 20-foot ceilings and overlooks the saltwater pool and hot tub, supported by pool pumps, filtration system, and gas heater that are less than five years old. Outdoor living includes two dedicated entertainment areas. The first is a fully outfitted pool house kitchen with a fireplace, bar area, refrigerators, microwave, and sound system. Across the patio, the second outdoor kitchen includes a grill, stovetop, wine fridge, refrigerator (plumbed for an icemaker), prep sink, ceiling fan, and its own A/C unit. The main-level owner's suite features coffered ceilings, a sitting area, and double French doors leading to the pool area. The remodeled bath includes live-edge granite counters, vessel sinks, a soaking tub, extensive storage, and a remarkable 12-foot shower with five showerheads. Upstairs, a beautifully updated full bath showcases live-edge granite, oval vessel sinks, a glass-enclosed tub/shower, and frosted glass barn doors. Four additional bedrooms offer generous closet space, including one en suite with a balcony overlooking the pool. The oversized bedroom above the garage provides excellent potential for a media room or other flexible use. This estate offers extensive upgrades, thoughtfully designed spaces, and modern systems, creating a standout opportunity near Deer Point Lake.

Association Fees Include

Accounting: Yes
Gated Community: Yes

More Information

Furnished

Unfurnished: Yes

Rooms

Dining Room: Yes
Family Room: Yes
Kitchen: Yes
Living Room: Yes
Master Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

Electricity – Connected: Yes
Propane: Yes
Generator: Yes
Private Well: Yes
Septic Tank: Yes
Solar: Yes

Property Features

Association Fees Include: Accounting; Gated Community Furnished: Unfurnished Rooms: Dining Room; Family Room; Kitchen; Living Room; Master Bedroom Showing: ShowingTime Utilities: Electricity – Connected; Generator; Private Well; Propane; Septic Tank; Solar

Room Information

Room Name	Dimensions	Length	Width
Dining Room	16 x 9	16.00	9.00
Family Room	17 x 14	17.00	14.00
Living Room	16 x 24	16.00	24.00
Kitchen	26 x 12	26.00	12.00
Master Bedroom	18 x 22	18.00	22.00

Listing Office: Empire Real Estate of Florida LLC

Last Updated: February – 06 – 2026

Information deemed reliable but not guaranteed.