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Pending
  • Price cut: $10K (5/15)
    $689,000

    403 Highway 2297, Panama City, FL 32404

    3beds
    1,701sqft
    : 
    $4,381/mo
    Get pre-qualified
    Single Family Residence
    Built in 1976
    5.17 Acres Lot
    $-- Zestimate®
    $405/sqft
    $-- HOA

    What's special

    Rare opportunity to own a beautifully updated 3-bedroom, 2-bath brick home with Gulf access, situated on 5 private acres along Cook's Bayou. This property offers exceptional flexibility—bring the boat, RV, four-wheeler, or horse—with room to live, work, and play in a peaceful waterfront setting. Built in 1976 and thoughtfully renovated, the 1,855 sq ft home blends classic character with modern upgrades. Interior features include fresh paint, quartz countertops, new ceiling fans, and closet organizers throughout. The primary bathroom has been fully remodeled, and the kitchen is equipped with an induction cooktop, double ovens with convection and air-fryer modes, and stainless steel appliances—all less than three years old. Significant improvements include popcorn ceiling removal, 2024 HVAC, Honeywell programmable thermostat, Pristine Air UV filtration system, water softener, generator outlet, 2017 metal roof, hurricane ties for wind mitigation, and a whitewashed brick exterior. Outdoor amenities include a solar-powered gated entrance, 12'x32' shed, motorized screened back porch, raised metal garden beds, citrus trees, private pond, and mature moss-draped oak trees. Nearly $30,000 in dock upgrades include an expanded dock and 7,000-lb boat lift, providing direct access to the Gulf. Property sits on tidal waters with Gulf access through Cook's Bayou. Bridge vertical clearance is approximately 9'6", suitable for smaller boats. John Deere tractor and attachments convey with sale. Ideal for a private waterfront homestead, recreational retreat, or future expansionthis unique property offers space, privacy, and true Florida waterfront living.
    163 days
    |
    71
    |
    1
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Tyler S Smith 850-818-9004,

    Legacy Premier Agency LLC

    Source: ECAOR,MLS#: 994924MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      Bedroom
      • Level: First
      • Area: 132 Square Feet
      • Dimensions: 12 x 11
      Bedroom
      • Level: First
      • Area: 132 Square Feet
      • Dimensions: 12 x 11
      Primary bathroom
      • Level: First
      • Area: 208 Square Feet
      • Dimensions: 16 x 13
      Kitchen
      • Level: First
      • Area: 220 Square Feet
      • Dimensions: 20 x 11
      Living room
      • Level: First
      • Area: 320 Square Feet
      • Dimensions: 20 x 16
      Heating
      • Central
      Cooling
      • Central Air, Ceiling Fan(s)
      Appliances
      • Included: Dishwasher, Refrigerator
      • Laundry: Washer/Dryer Hookup
      Features
      • Beamed Ceilings, Vaulted Ceiling(s), Recessed Lighting, Newly Painted, Pantry
      • Flooring: Tile
      • Has fireplace: Yes
      • Common walls with other units/homes: No Common Walls
      Interior area
      • Total structure area: 1,701
      • Total interior livable area: 1,701 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Boat, Guest, RV Access/Parking
      • Attached garage spaces: 2
      Features
      • Stories: 1
      • Patio & porch: Covered, Screened
      • Exterior features: Boat Slip, Boatlift, Dock
      • Fencing: Chain Link,Full
      • Has view: Yes
      • View description: Bay, Bayou
      • Has water view: Yes
      • Water view: Bay,Bayou
      • Waterfront features: Bay, Bayou, Harbor
      Lot
      • Size: 5.17 Acres
      • Features: Within 1/2 Mile to Water, Wooded
      Details
      • Additional structures: Yard Building
      • Parcel number: 06656035000
      • Zoning description: Resid Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Ranch
      • Property subtype: Single Family Residence
      Materials
      • Brick
      • Roof: Metal
      Condition
      • Construction Complete
      • New construction: No
      • Year built: 1976

      Utilities & green energy

      • Sewer: Septic Tank

      Community & HOA

      Community
      • Subdivision: No Named Subdivision
      Location
      • Region: Panama City

      Financial & listing details

      • Price per square foot: $405/sqft
      • Tax assessed value: $354,633
      • Annual tax amount: $3,858
      • Date on market: 2/10/2026

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        5/22/2026Pending sale$689,000$405/sqft
        Source: CPAR #784997 Report a problem
        5/15/2026Price change$689,000-1.4%$405/sqft
        Source: CPAR #784997 Report a problem
        2/10/2026Listed for sale$699,000$411/sqft
        Source: CPAR #784997 Report a problem
        8/26/2025Listing removed$699,000$411/sqft
        Source: CPAR #776032 Report a problem
        7/9/2025Listed for sale$699,000+81.6%$411/sqft
        Source: CPAR #776032 Report a problem
        2/3/2022Sold$385,000-7%$226/sqft
        Source: CPAR #721021 Report a problem
        1/24/2022Pending sale$414,000$243/sqft
        Source: ECAOR #888971 Report a problem
        1/24/2022Listed for sale$414,000$243/sqft
        Source: ECAOR #888971 Report a problem
        1/20/2022Pending sale$414,000$243/sqft
        Source: CPAR #721021 Report a problem
        1/13/2022Listed for sale$414,000-8%$243/sqft
        Source: ECAOR #888971 Report a problem
        12/27/2021Listing removed--
        Source: CPAR #712954 Report a problem
        11/29/2021Price change$450,000-9.1%$265/sqft
        Source: CPAR #712954 Report a problem
        6/16/2021Listed for sale$495,000+106.3%$291/sqft
        Source: CPAR #712954 Report a problem
        5/25/2017Sold$240,000-4%$141/sqft
        Source: CPAR #656964 Report a problem
        4/28/2017Listed for sale$249,900$147/sqft
        Source: ERA Neubauer Real Estate, Inc. #656964 Report a problem
        4/28/2017Pending sale$249,900+4.2%$147/sqft
        Source: ERA Neubauer Real Estate, Inc. #656964 Report a problem
        11/1/2015Listing removed$239,900$141/sqft
        Source: Coldwell Banker Carroll Realty, Inc. #628526 Report a problem
        9/2/2015Price change$239,900+20%$141/sqft
        Source: Coldwell Banker Carroll Realty, Inc. #628526 Report a problem
        7/10/2015Price change$199,900-16.7%$118/sqft
        Source: Coldwell Banker Carroll Realty, Inc. #628526 Report a problem
        4/11/2015Price change$239,900+0.4%$141/sqft
        Source: Coldwell Banker/Carroll Realty #628526 Report a problem
        3/24/2015Price change$239,000+19.6%$141/sqft
        Source: Coldwell Banker Carroll Realty, Inc. #628526 Report a problem
        2/11/2015Listed for sale$199,900$118/sqft
        Source: Coldwell Banker Carroll Realty, Inc. #628526 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$3,935 -2.3%$354,633 -0.8%
        2023$4,026 +19.5%$357,345 +47.7%
        2022$3,369 $241,996
        2021-- --
        2020$2,568 -0.2%$210,407 -0.4%
        2019$2,574 $211,210 -0.4%
        2018$2,574 -1.8%$212,012 +17.6%
        2017$2,621 +44.5%$180,322 +2.2%
        2016$1,814 $176,515 +0.7%
        2015-- $175,288 +0.8%
        2014-- $173,897 +1.5%
        2013-- $171,327 +2.2%
        2012-- $167,717 -2.4%
        2011-- $171,809 -2.5%
        2010-- $176,211 +2.7%
        2009-- $171,578 -1.6%
        2008-- $174,401 +17.1%
        2007-- $148,907 +2.5%
        2006-- $145,275 +3%
        2005-- $141,044 +3%
        2004-- $136,936 +1.9%
        2003-- $134,383 +2.4%
        2002-- $131,233 +6.4%
        2001-- $123,387 -1.4%
        2000-- $125,156
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 32404

        Getting around

        0 / 100
        Car-Dependent
        0 / 100
        No Nearby Transit
        26 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Callaway
        • High: Rutherford

        Source: ECAOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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