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Property Description
Lake Life, Every Day! Forget the ''weekend getaway''--make every day a vacation in this masterfully redesigned waterfront estate on popular Deer Point Lake! Nestled at the end of a private cul-de-sac on nearly an acre of pristine rolling waterfront land, 4403 Bluewater Drive in Panama City, FL offers more than just a home, it's a complete lifestyle upgrade! Enjoy breathtaking lake views and the serenity of true waterfront living from this stunning retreat. Boater's Paradise: Launch from your newly rebuilt private dock and enjoy a scenic boat ride to the crystal-clear waters of Econfina Creek Springs Recreation Area. Spend your mornings fishing for trophy bass or take a short hop to McCall Everett Park for Gulf access and a run out to Shell Island. This is waterfront living at its finest. ''New Everything'' & Smart Integration This is a true ''down to the studs'' transformation. Remodeled to perfection, you can move in with a zero ''to-do'' list: "¢ Peace of Mind: New Roof (2019), new septic system, new plumbing throughout, and two new HVAC Units for dual-zone climate perfection. "¢ Chef's Smart Kitchen: Who knew we'd have ''techy'' kitchens... This stand out kitchen is fully equipped with smart technology, including a smart oven, trash compactor, Moen smart faucet and ''Scan to Cook'' microwave--all framed by a seamless open concept design, perfect for entertaining! "¢ Modern Aesthetics: New flooring throughout, designer lighting and fixtures, and expansive windows that capture those incredible lake views. The Unicorn of Florida Real Estate: In today's market, insurance matters - and this home delivers! The property sits on a gentle slope in Flood Zone X, meaning flood insurance is NOT required. Combine that with the recent upgrades, it offers some of the most favorable insurance premiums in Bay County. Privacy Meets Convenience: Enjoy panoramic water views from almost every room, including the oversized Master Suite. The fenced, nearly one-acre lot offers peaceful seclusion and a true birder's paradise, while still being conveniently located near shopping and amenities - including the new Publix shopping center on Hwy 231. And an easy 17-mile commute to Tyndall AFB. Stop searching. Start Living! Homes of this caliber on Deer Point Lake rarely hit the market - especially ones that feel this new! Schedule your showing and experience #lakelife for yourself
Full Property Details
Full Property Details for 4403 Bluewater Dr
General
- Price: $579,000
- Taxes: (2025)
- Status: Active
- Type: Single Family
- Source: Bay_County
- MLS ID: 786925
- Updated: 3/17/2026
- Added to Site: 4 day(s) ago
Interior
- Number of Rooms: 7
- Interior Features: Interior Steps
- Appliances: Electric Oven, Electric Range, Electric Water Heater
- Flooring: Luxury Vinyl Plank
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
Bedrooms
- Total Bedrooms: 3
Additional Information
- Security/Safety: Secured Garage/Parking, Smoke Detector(s)
Exterior
- Exterior Features: Dock, Patio, Fire Pit, Rain Gutters
- Porch/Patio/Deck: Balcony, Patio
Parking
- Garage: Yes
- Garage Spaces: 2
- Parking Features: Additional Parking, Garage, Garage Door Opener
Location
- County: Bay
- Subdivision: Deerpoint Estates
- Driving Directions: From PC town - Head north on Hwy 231. Turn left on 2321 (Deerpoint Dam Rd). Take 2321 until the intersection of 2311 and make a right onto 2311. Turn left onto Bluewater drive. Take Bluewater drive to the end of the street and 4403 is in the Cul-de-sac on the right.
School Information
- Elementary School: Deer Point
- Middle School: Merritt Brown
- High School: Mosley
Community
- Community Name: 04 - Bay County - North
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air, Ceiling Fan(s), Multi Units, Zoned
- Heating Type: Central, Electric, Fireplace(s)
Utilities
- Utility Description: Cable Connected, Electricity Available
Structural Information
- Architectural Style: Split Level
- Construction: Brick, Brick Veneer, Vinyl Siding, Wood Frame
- Roof: Composition, Shingle
- Windows: Double Pane Windows
- Doors: Storm Door(s)
- Stories/Levels: 2
- Sq. Ft. Source: Appraiser
- Year Built: 1979
Additional Structures
- Other Structures: Outbuilding, Shed(s)
Lot Features
- Property View: Lake
- Lot Size (Acres): 0.82
- Lot Size (Sq. Ft.): 35,806
- Lot Size: .82
- Lot Dimensions: 50 x 155 x 200 x 55 x 55 x 300
- Lot Features: Cul-De-Sac, Sprinkler System, Paved
- Zoning: County, Resid Single Family
- Fencing (Description): Chain Link, Cross Fenced, Fenced
Water Features
- Water Front: Yes
- Water View: Yes
- Water Front Desc.: Lake, Lake Front, Shoreline - Natural
- Water Front View: Lake, Lake Front, Shoreline - Natural
- Lake Front: Yes
Financial Considerations
- Tax Year: 2025
Disclosures and Reports
- Legal Description: DEERPOINT ESTATES 127B LOT 19 BLK 2 ORB 4440 P 2368
- Property ID: 05487-251-000
Listed by Beachy Beach Real Estate
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Schools
Schools serving 4403 Bluewater Dr
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Deer Point Elementary School 4800 Highway 2321, Panama City, FL 32404 | K-5 | 1.8 mi |
Merritt Brown Middle School 5044 Merritt Brown Way, Panama City, FL 32404 | 6-8 | 3.2 mi |
A. Crawford Mosley High School 501 Mosley Drive, Lynn Haven, FL 32444 | 9-12 | 6 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 4403 Bluewater Dr
Date
Details
Price
Change
Source
3/17/2026
Listed
$579,000
30.11%
MLS
7/29/2021
Sold
$445,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 4403 Bluewater Dr
Year
Property Taxes
Change
Tax Assessment
Change
2025
$4,485
2%
$402,101
3%
2024
$4,381
-1%
$390,769
—
2023
$4,440
287%
$390,447
198%
2021
$1,146
-73%
$131,216
-64%
2022
$4,293
275%
$368,383
296%
2021
$1,146
4%
$93,032
-26%
2019
$1,102
-3%
$126,161
-1%
2018
$1,140
1%
$127,802
2%
2017
$1,130
—
$125,173
2%
2016
$1,127
-3%
$122,598
1%
2015
$1,158
1%
$121,746
1%
2014
$1,144
13%
$120,780
2%
2013
$1,010
—
$118,995
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 4403 Bluewater Dr
4403 Bluewater Drive, Panama City, FL 32404 (MLS# 786925) is a Single Family property with 3 bedrooms and 3 full bathrooms. 4403 Bluewater Drive is currently listed for $579,000 and was received on March 17, 2026. Want to learn more about 4403 Bluewater Drive? Do you have questions about finding other Single Family real estate for sale in Panama City? You can browse all Panama City real estate or contact a Coldwell Banker agent to request more information.

