1440 Dover Rd Panama City, FL 32404

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.