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$824,000

1440 Dover Rd

Panama City, FL
ActiveUnderContract
4
Bedrooms
3.5
Bathrooms
3,602
Square Feet
0.57
Lot Size (acres)
1950
Year Built
107
Days On Market

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' 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 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.

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Listing Information

Listing Updated
3 days ago
Listed By
Michele Monastra, 8504937653 · Epique Realty Inc, 8888933537
MLS#
791835
Source
Central Panhandle Association of REALTORS
Status
ActiveUnderContract

Facts & Features

Location

Community Information

Address
1440 Dover Rd, Panama City, FL 32404
City
Panama City
County
Bay
Neighborhood
Donalson Point
Zip Code
32404

Architecture

Bedrooms
4
Bathrooms
3.5
Stories
2
Year Built
1950
Style
Split Level
Construction Materials
Block, HardiPlank Type
Building Area
3,602 sq. ft.
Roof
Composition, Shingle
Levels
Two, Multi/Split
Garage
Yes
Garage Spaces
3
Parking Features
Garage Door Opener, Garage, RV Access/Parking, Additional Parking

Features & Amenities

Interior Features
Walk-In Closet(s), Double Vanity, Entrance Foyer, Smart Thermostat
Appliances
Electric Range, Tankless Water Heater
Patio and Porch
Covered, Deck, Porch
Cooling
Central Air
Heating
Central

Property Features

Lot Size
0.57 Acres
Lot Features
Waterfront, Paved
View
Water, Bay
Sewer
Public Sewer
Zoning
Resid Single Family

Square Footage

Total
3,602 sq. ft.

Tax & Financial Information

List Price
$824,000

Schools

56/100
Tyndall Academy
Elementary · Grades PK–08 · 2.7 mi
Assigned school for this home
City
Tyndall Afb
Students
388
Student body
57% White · 18% Hispanic / Latino · 12% Black
Free/reduced lunch
20%
Phone
(850) 767-1714
99/100
Parker Elementary School
Elementary · Grades PK–05 · 1 mi
City
Panama City
Students
621
Student body
55% White · 26% Black · 10% Two or More Races
Free/reduced lunch
84%
Phone
(850) 767-4570
98/100
Callaway Elementary School
Elementary · Grades PK–05 · 2.9 mi
City
Panama City
Students
543
Student body
57% White · 25% Black · 9% Two or More Races
Free/reduced lunch
81%
Phone
(850) 767-1241
73/100
Amikids Maritime Academy
High · Grades 09–12 · 4.1 mi
City
Panama City
Parent reviews
5.0★ avg · 1 review
Phone
(850) 919-2213
56/100
Chautauqua Charter School
High · Grades 09–12 · 4.7 mi
City
Panama City
Students
47
Student body
72% White · 19% Black · 6% Hispanic / Latino
Free/reduced lunch
92%
Phone
(850) 785-5056
55/100
Merriam Cherry Street Elementary
Elementary · Grades PK–05 · 3.2 mi
City
Panama City
Students
470
Student body
41% White · 38% Black · 11% Hispanic / Latino
Free/reduced lunch
73%
Phone
(850) 767-1480
54/100
Margaret K. Lewis In Millville
7th & Above · Grades PK–12 · 2.4 mi
City
Panama City
Students
153
Student body
73% White · 12% Black · 9% Two or More Races
Free/reduced lunch
52%
Phone
(850) 767-1792
54/100
Rutherford High School
High · Grades 06–12 · 3.1 mi
City
Panama City
Students
1,188
Student body
53% White · 29% Black · 7% Two or More Races
Free/reduced lunch
63%
Phone
(850) 767-4500

School ratings are provided for informational purposes only and are subject to change. Attendance boundaries are for reference only — contact the school or district directly to verify enrollment eligibility.

Historical Data

Price History

DateEventPrice
06/19/2026Listed for sale$824,000

Listed by Michele Monastra · Epique Realty Inc · 8888933537

Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Central Panhandle Association of REALTORS. All rights reserved.

Last Updated: October 1, 2026 at 6:07 PM | Source: Central Panhandle Association of REALTORS | MLS#: 791835

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