403 Highway 2297, Panama City, FL 32404

• 3 beds |
• 2 baths |
• 1,701 sqft

Property Description

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.

Listing Status:

Active

Date Added:

February 10, 2026

Data Last Updated:

April 2, 2026 at 4:23PM

Listing Office:

Legacy Premier Agency LLC : 850-250-3701

Listing Agent:

Tyler S Smith : 850-818-9004

MLS ID:

994924

Interior

• General: Beamed CeilingsVaulted Ceiling(s)FireplaceRecessed LightingNewly PaintedPantryWasher/Dryer Hookup
• Appliances: DishwasherRefrigerator
• Flooring: Tile
• A/C: Central AirCeiling Fan(s)
• Heating: Central

Exterior

• General: Boat SlipBoatliftDockYard Building
• Style: Ranch
• Parking: BoatGuestRV Access/Parking

Construction

• General: Brick1

Location

• Road/Access: Private Road
• Originating MLS: Emerald Coast Association of REALTORS®
• County: Bay

Lot

• Zoning: Resid Single Family06656035000
• View: BayBayou
• Fencing: Chain LinkFenced Lot-All

Utilities

• Utilities: Septic Tank

Financial

• Source: Emerald Coast Association of REALTORS®