1414 Thurso Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 1414 Thurso Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,897 sqft · built 2003
Lot Size	0.383 acres (16,692 sqft)
Owner	Individual Name on File
Last Sale	$580,000 (Apr 2023)
Tax Bill	$7,057 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11588-907-000`

Property Details

APN / Parcel Number

Primary APN	`11588-907-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,897 sqft Living Area
Gross Area	3,518 sqft
1st Floor Area	2,737 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2013
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	16,692 sqft (0.383 acres)
Garage Type	Attached
Garage Area	621 sqft
Driveway	Driveway
Driveway Area	1,152 sqft

Exterior Amenities

Pool Area	160 sqft
Porch	Florida Room
Porch Area	214 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1414 THURSO RD
City	LYNN HAVEN
State	FL
Zip	32444-8334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UND
Legal Description	FOREST GLENN LOT 7 ORB 4675 P 2409 (SUBJ TO ESMT ORB 3229 P 2084)
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	FOREST GLENN
Legal Lot Number	7
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
Census Tract	1301

Owner

1414 Thurso Rd is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1414 THURSO RD, LYNN HAVEN, FL 32444-8334
Occupancy	Owner Occupied
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
Apr 6, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 20, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 29, 2017	Deed of Trust, Mortgage · FHA Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2023 · Amount on File
Deed Sale	Apr 6, 2023 · Amount on File
Prior Sale	Dec 22, 2016 · Amount on File
Deed Document Number	202321164
Deed Book / Page	4675 / 2409
Prior Transfer Date	May 16, 2011
Prior Transfer Doc	0033240874
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Apr 6, 2023
Property Address	1414 THURSO RD, LYNN HAVEN, FL 32444-8334
Document Number	0046752409
Book / Page	4675 / 2409
Map Reference	MB 18 PG 23
Instrument Date	Apr 6, 2023
Instrument	2023021164
Transaction Type	Transfer
Record Updated	Apr 25, 2023
Title Company	SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,060.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2319 DRAGONFLY LN, PANAMA CITY, FL 32405-6654

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1414 THURSO RD, LYNN HAVEN, FL 32444-8334
Investor	Possibly a Property Investor

Mortgage

Document Number	0046760001
Date	Apr 6, 2023
Book Page	4676/1
Instrument	2023021165

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1414 THURSO RD, LYNN HAVEN, FL 32444-8334
Transaction Type	Mortgage
Record Updated	Jun 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1414 THURSO RD, LYNN HAVEN, FL 32444-8334

Mortgage

Document Number	0045661246
Date	May 20, 2022
Book Page	4566/1246
Instrument	2022038294

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1414 THURSO RD, LYNN HAVEN, FL 32444-8334
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038861474
Date	Mar 29, 2017
Book Page	3886/1474
Instrument	2017017390

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1414 Thurso Rd was $7,057 with a homeowner's exemption, down 0.5% 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	$7,057.00 (-0.45%) Homeowner's exemption	$510,701	$513,002 Land $63,500 Building $449,502
2024	$7,089.00 (+34.87%)
2023	$5,256.00 (+11.19%) Homeowner's exemption	$372,810 (+3%)	$406,066 (+12.19%) Land $48,755 Building $357,311
2022	$4,727.00 Homeowner's exemption	$361,951 Land $37,839 Building $324,112	$361,951 Land $37,839 Building $324,112

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

Flood

FEMA maps place 1414 Thurso Rd in Zone X, an area of minimal flood risk, within 500 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 500 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 1414 Thurso Rd is low, with a 0.06% 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 88% of Florida
Wildfire Likelihood	0.06% 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 233 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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