1305 Sutherland Ct, Lynn Haven, FL 32444 Property Records

Bay County property record for 1305 Sutherland Ct, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,854 sqft · built 1996
Lot Size	0.323 acres (14,085 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Oct 2022)
Tax Bill	$4,595 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Feb 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`11588-357-000`

Property Details

APN / Parcel Number

Primary APN	`11588-357-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,854 sqft Living Area
Gross Area	2,337 sqft
1st Floor Area	1,854 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,085 sqft (0.323 acres)
Garage Type	Attached
Garage Area	483 sqft
Driveway	Driveway
Driveway Area	768 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	204 sqft
Patio Area	150 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1305 SUTHERLAND CT
City	LYNN HAVEN
State	FL
Zip	32444-8310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UND
Legal Description	MOWAT HIGHLANDS PHASE V LOT 63 BLK A MAP 103A ORB 4626 P 64
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	MOWAT HIGHLANDS PHASE V
Legal Phase	5
Legal Block	A
Legal Lot Number	63
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2023
Census Tract	1301

Owner

1305 Sutherland Ct is owned by two individuals who bought it in October 2022.

Source: Bay County records, as of January 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	905 MALLORY DR, PANAMA CITY, FL 32405-4847
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Feb 9, 2022	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2022 · Amount on File
Deed Sale	Oct 31, 2022 · Amount on File
Prior Sale	Jul 29, 2002 · Amount on File
Deed Document Number	202279213
Deed Book / Page	4626 / 64
Prior Transfer Date	Dec 8, 2021
Prior Transfer Doc	0045211312
Record Updated	Jun 8, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BAY FL
Recording Date	Oct 31, 2022
Property Address	1305 SUTHERLAND CT, LYNN HAVEN, FL 32444-8310
Document Number	0046260064
Book / Page	4626 / 64
Map Reference	MB 16 PG 39
Instrument Date	Oct 25, 2022
Instrument	2022079213
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1414 COUNTRY CLUB DR, 1414, LYNN HAVEN, FL 32444-1976

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MALLORY DR, PANAMA CITY, FL 32405-4847

Mortgage

Document Number	0000462666
Date	Oct 31, 2022
Instrument	4626/66

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Feb 9, 2022
Property Address	1305 SUTHERLAND CT, LYNN HAVEN, FL 32444-8310
Document Number	0045211312
Book / Page	4521 / 1312
Map Reference	MB 16 PG 39
Instrument Date	Dec 8, 2021
Instrument	2022009409
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1414 COUNTRY CLUB DR, LYNN HAVEN, FL 32444-1976

Tax Assessment & Valuation

The 2025 property tax bill for 1305 Sutherland Ct was $4,595, up 0.8% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Lynn Haven City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,595.00 (+0.79%)	$305,484 Land $63,500 Building $241,984	$305,484 Land $63,500 Building $241,984
2024	$4,559.00 (+1.47%)
2023	$4,493.00 (+64.34%)	$281,488 (+54.34%) Land $48,755 Building $232,733	$281,488 (+54.34%) Land $48,755 Building $232,733
2022	$2,734.00	$182,385 Land $37,839 Building $144,546	$182,385 Land $37,839 Building $144,546

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

Flood

FEMA maps place 1305 Sutherland Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 325 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	325 in force
Nearby Flood Claims	60 (1998–2021)
Claims Outside the SFHA	27 of 60
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Michael, Oct 2018 · 48 claims Severe Storms And Flooding, Jul 2013 · 3 claims

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.

Wildfire

Wildfire risk around 1305 Sutherland Ct is low, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people · EPA ID FL1030435
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Nov 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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