4 beds3,602 sqft$229/sqft
1440 Dover Rd, Panama City, FL 32404
Est: $4,658/moGet pre-approved

Description

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
...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.
LISTING UPDATED: 08/17/2026 03:05 PM

  1. Listed by Michele Monastra • Epique Realty Inc

Property Details for 1440 Dover Road

Status
MLS #
791835
Days on Market
33
Taxes
-
HOA Fees
-
Condo/Co-op Fees
-
Property Type
MLS Type
Residential / Single Family Residence / Single Family Residence
Year Built
1950
Lot Size
0.57 AC / 24,829 SF
Architectural Style
Split Level
Waterfront
Yes
Waterfront Features
Bayou, Bayfront, Seawall
Parking Features
Additional Parking, Garage, Garage Door Opener, Rv Access Parking
Subdivision Name
Donalson Point
View
Bay, Bayou, Water
Zoning Description
Resid Single Family
View
Yes

Location

Listing Courtesy of Epique Realty Inc
Add your commute

Building Information for 1440 Dover Road

Stories2Year Built1950Building Size-Lot Size0.57 AC / 24,829 SF

Payment Calculator

$4,658 per month

30 year fixed, 6.55% Interest

Principal and Interest

$4,188

Property Taxes

$470

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Know your buying power with a preapproval and custom rate in minutes

Rocket Mortgage1

Property Information for 1440 Dover Road

Summary
Location and General Information
  • City: Panama City
  • County Or Parish: Bay
  • Directions: Turn on Soule Dr just off of Hwy 98, follow straight on to Thornton Ln and Sharon Dr and on to Dover rd. Home is on the right side
  • State Region: FL
  • Postal Code: 32404
  • Latitude: 30.122015
  • Longitude: -85.601055
  • State Or Province: FL
  • Road Frontage Type: City Street
  • Road Responsibility: Public Maintained Road
  • MLS Area Major: 02 - Bay County - Central
  • MLS Area Minor: 0202 - Bay - Central SE
Taxes and HOA Information
  • Parcel Number: 26141-000-000
  • Association: No
  • Tax Legal Description: 3RD AMENDED PLAT PT DONALSON LOT 1 BLK 7 ORB 4833 P 1783
  • Tax Year: 2025
School Information
  • Elementary School: Tyndall Academy
  • High School: Rutherford
  • Middle Or Junior School: Tyndall Academy
Parking
  • Attached Garage: No
  • Garage Spaces: 3.0
  • Garage: Yes
Property
Lot Information
  • Building Area Total: 3602.0
  • Lot Features: Paved
  • Lot Size Acres: 0.57
  • Lot Size Area: 0.57
  • Lot Size Dimensions: 65x 283x 120x 258
  • Lot Size Units: Acres
  • Lot Size Square Feet: 24829.0
  • Living Area Source: Owner
Property and Assessments
  • Senior Community: No
  • Year Built: 1950
  • New Construction: No
  • Human Modified: No
Utilities
  • Sewer: Public Sewer
Interior and Exterior Features
Exterior Features
  • Exterior Features: Deck
  • Community Features: Short Term Rental Allowed
  • Construction Materials: Block, Hardiplank Type
  • Patio And Porch Features: Deck, Covered, Porch
  • Roof: Composition, Shingle
Interior Features
  • Levels: Two, Multi Split
  • Stories: 2
  • Stories Total: 2
  • Bathrooms Full: 3
  • Bathrooms Half: 1
  • Bathrooms Total: 4
  • Bedrooms Total: 4
  • Rooms Total: 12
  • Cooling: Yes
  • Cooling: Central Air
  • Heating: Yes
  • Heating: Central
  • Appliances: Electric Range, Tankless Water Heater
  • Interior Features: Double Vanity, Interior Steps, Main Level Primary, Sitting Area In Primary, Smart Thermostat, Walk In Closets, Entrance Foyer
  • Window Features: Double Pane Windows
Room Information
Room 1
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 9.75 x 7.5
  • Room Length: 9.75
  • Room Level: Basement
  • Room Type: Full Bath
  • Room Width: 7.5
Room 2
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 14.08 x 11.67
  • Room Length: 14.08
  • Room Level: Basement
  • Room Type: Bedroom
  • Room Width: 11.67
Room 3
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 18.25 x 12.83
  • Room Length: 18.25
  • Room Level: Basement
  • Room Type: Dining Room
  • Room Width: 12.83
Room 4
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 17.67 x 14.33
  • Room Length: 17.67
  • Room Level: Basement
  • Room Type: Family Room
  • Room Width: 14.33
Room 5
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 10.67 x 14.33
  • Room Length: 10.67
  • Room Level: First
  • Room Type: Primary Bathroom
  • Room Width: 14.33
Room 6
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 10.75 x 10.92
  • Room Length: 10.75
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 10.92
Room 7
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 11.33 x 10.92
  • Room Length: 11.33
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 10.92
Room 8
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 10.17 x 5.58
  • Room Length: 10.17
  • Room Level: First
  • Room Type: Foyer
  • Room Width: 5.58
Room 9
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 24 x 26
  • Room Length: 24.0
  • Room Level: First
  • Room Type: Living Room
  • Room Width: 26.0
Room 10
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 22 x 16.4
  • Room Length: 22.0
  • Room Level: Second
  • Room Type: Kitchen
  • Room Width: 16.39
Room 11
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 19 x 16.4
  • Room Length: 19.0
  • Room Level: First
  • Room Type: Family Room
  • Room Width: 16.39
Room 12
  • Room Description: Buyer to verify if deemed important
  • Room Dimensions: 23.42 x 14.83
  • Room Length: 23.42
  • Room Level: First
  • Room Type: Primary Bedroom
  • Room Width: 14.83
Multi Family
Multi-Family Information
  • Units Furnished: None
Rental
Rental Information
  • Occupant Type: Occupied
  • Land Lease: No

Property History for 1440 Dover Road

DateEvent & SourcePriceAppreciation
Aug 17, 2026

Pending

CPAR #791835

—
Aug 11, 2026

Price Change

CPAR #791835

$824,000—
Jun 24, 2026

Listed (Active)

CPAR #791835

$849,000—
DateEvent & SourcePrice
08/17/2026

Pending

CPAR #791835

—
08/11/2026

Price Change

CPAR #791835

$824,000
06/24/2026

Listed (Active)

CPAR #791835

$849,000

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 1440 Dover Road

Taxable ValueLand$192,326Additions$208,804Total$401,130
Tax Record2024$5,639 ($470 / month)
Home Facts
Baths3Total Finished SqFt3,518 SqFtAbove Grade Finished SqFt3,518 SqFtStories1Lot Size25,090 SqFtStyleTriplexYear Built1950Year Renovated2000CountyBAYAPN26141-000-000

Schools near 1440 Dover Road

This home is within Bay.
Rating
School
Type
Grades
Distance
Public - PK to 8
Public - 6 to 12
Public - PK to 12
Public - PK to 4
Rating
School
Distance
Tyndall Elementary School
PublicPK to 8

Rutherford High School
Public6 to 12

Margaret K. Lewis In Millville
PublicPK to 12

Oscar Patterson Academy
PublicPK to 4

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Epique Realty Inc

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.