12108 White Rd, Youngstown, FL 32466 Property Records

Bay County property record for 12108 White Rd, Youngstown, FL 32466

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,300 sqft · built 2008
Lot Size	4.21 acres (183,561 sqft)
Owner	Individual Name on File
Tax Bill	$1,639 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03596-074-000`

Property Details

APN / Parcel Number

Primary APN	`03596-074-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,300 sqft Living Area
1st Floor Area	2,300 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	183,561 sqft (4.21 acres)
Lot Dimensions	400 ft deep x 459 ft wide
Garage Type	Detached
Garage Area	3,200 sqft
Porch	Open Porch
Porch Area	186 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12108 WHITE RD
City	YOUNGSTOWN
State	FL
Zip	32466-2935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC16
Legal Description	28 1S 12W -26.7A- 199B COM 504.8 N & 336.15 SE & 862.77 N OF SW COR SEC TH N 459.19 E 247.50 S 174.11 E 360.79 S 285.53 W 624.07 TO POB ORB 3442 P 968
Legal Range	12W
Legal Township	01S
Legal Section	28
Jurisdiction	BAY FL
Township / Civil Division	YOUNGSTOWN
Census Block Group	2
Census Block	2043
Census Tract	302

Owner

Source: Bay County records · APN 03596-074-000

Assessment roll updated January 5, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	12108 WHITE RD, YOUNGSTOWN, FL 32466-2935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 18, 2012
Deed Sale	Sep 18, 2012
Prior Sale	Aug 13, 2004 · Amount on Record
Deed Document Number	201250815
Deed Book / Page	3442 / 968
Prior Transfer Date	Sep 07, 2012
Prior Transfer Doc	0034420968
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	12108 WHITE RD, YOUNGSTOWN, FL 32466-2935
Transaction Type	Mortgage
Record Updated	Apr 02, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12108 WHITE RD, YOUNGSTOWN, FL 32466-2935

Mortgage

Document Number	0043750653
Date	Mar 12, 2021
Book Page	4375/653
Instrument	2021017952

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	12108 WHITE RD, YOUNGSTOWN, FL 32466-2935
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042891700
Date	Aug 21, 2020
Book Page	4289/1700
Instrument	2020055255

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 01, 2050

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,639.00 (+1.24%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$177,146 (+5.99%)	$230,061 (+3.27%) Land $37,524 Building $192,537
2024	$1,619.00 (+2.4%)
2023	$1,581.00 (+23.71%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$167,140 (+11.18%)	$222,776 (+28.11%) Land $37,524 Building $185,252
2022	$1,278.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$150,339	$173,888 Land $32,568 Building $141,320

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	20 in force

Wildfire

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 28 locations within half a mile of this property.

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