WHEW!! Finally found it! You have to access it from the outside. The rear living room is raised at the back, so there are storage areas underneath the whole living room on the outside. The panel is right inside one of the storage areas.
Wish I would have thought about that earlier, but never had one with a raised living room with storage outside like this one has.
I appreciate the help! The comment about a panel with 4 screws got me thinking harder about it. But no "cloak" closet! LOL
Thanks again!!