1440 Dover Rd, Panama City, FL 32404

''COMING SOON - NO SHOWINGS'' Stunning Deep-Water Retreat! Fully Reimagined with Bay Access Tucked onto approx. 65' of water frontage with direct deep-water bay access, 1440 Dover Road is a rare blend of craftsmanship, flexibility, and waterfront living. Originally built in 1950 and taken down to the studs, this two-story home has been transformed top to bottom; floorplan restructured, all-new electrical and plumbing, water heater, windows, and siding, just to name a few. Even the showers are finished with premium epoxy grout (waterproof, stain-resistant, and mildew-proof). The roof was replaced in 2018 and a new seawall added in 2022. 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 counters, stainless appliances, recessed lighting, and crown molding, an open living and dining area, and a generous primary layout. Upstairs opens to an uncovered deck with a breathtaking view of the bay. The ground-floor level lives like its own private retreat: a second full kitchen, family room, a fourth bedroom, and a full bath, with both interior access and a separate ground-level entrance and driveway access. Ideal for multi-generational living, guests, or a private in-law or guest suite. There's also an attached garage with potential to convert to additional living space. Set on just over half an acre (0.57) in an established, water-oriented neighborhood, and NO flood insurance required! It is outside the special flood hazard area, a meaningful advantage for waterfront buyers. Close to schools, shopping, and Tyndall AFB. With the seawall and stairs into the water already in place, all that's left to make this waterfront dream complete is to add your own dock. 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.