100 River Drive, Panacea, FL 32346

This true Old Florida style cottage on Ochlockonee Bay—where two rivers meet the Gulf—is nestled on a high lot draped with live oaks and palm trees that frame a tropical picture, complete with a sparkling bay, glowing sunrises, and spectacular sunsets. The deepwater dock features a covered 9,000-pound boat lift and a large deck perfect for dropping a line or simply enjoying the sunshine while dolphins and manatees play in a bay noted for its diverse fish species. Built by Solburg Construction, this cozy gem is reminiscent of something right out of a Hemmingway novel. It is composed of custom woodwork throughout, high vaulted ceilings with exposed wood beams, an open loft above the living room, and white shiplap walls. Sit inside, relax, and take in a panoramic bay view through a wall of windows. Or step onto the waterside screen porch to enjoy the breezes, the birdsong, and the quiet neighborhood. Tastefully redecorated, the home features newer upgrades like granite counters and...