1430 Thurso Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 1430 Thurso Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,967 sqft · built 2003
Lot Size	0.485 acres (21,126 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jul 2022)
Tax Bill	$7,329 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11588-915-000`

Property Details

APN / Parcel Number

Primary APN	`11588-915-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,967 sqft Living Area
Gross Area	3,567 sqft
1st Floor Area	2,699 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2013
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	21,126 sqft (0.485 acres)
Garage Type	Attached
Garage Area	600 sqft
Driveway	Driveway
Driveway Area	552 sqft

Exterior Amenities

Pool Area	560 sqft
Porch	Florida Room
Porch Area	444 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1430 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 15 ORB 4590 P 1424
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	FOREST GLENN
Legal Lot Number	15
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
Census Tract	1301

Owner

Source: Bay County records, as of June 3, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1430 THURSO RD, LYNN HAVEN, FL 32444-8334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jul 21, 2022	Warranty Deed, Transfer · Conventional Mortgage VICTORIAN FINANCE LLC
Jun 4, 2018	Warranty Deed, Transfer · VA Mortgage NATIONAL BANK OF KANSAS CITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2022 · Amount on Record
Deed Sale	Jul 21, 2022 · Amount on Record
Prior Sale	Jun 4, 2018 · Amount on Record
Deed Document Number	202254478
Deed Book / Page	4590 / 1424
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Recording Date	May 12, 2026
Property Address	1430 THURSO RD, LYNN HAVEN, FL 32444-8334
Document Number	0000028407
Book / Page	5033 / 1457
Instrument Date	Apr 17, 2026
Instrument	202628407
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1430 THURSO RD, LYNN HAVEN, FL 32444-8334
Investor	Possibly a Property Investor

Mortgage

Document Number	0000028407,
Date	May 12, 2026
Book Page	5033/1457
Instrument	202628407

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 21, 2022
Property Address	1430 THURSO RD, LYNN HAVEN, FL 32444-8334
Document Number	0045901424
Book / Page	4590 / 1424
Map Reference	MB 18 PG 23
Instrument Date	Jul 21, 2022
Instrument	2022054478
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2195 BERKELEY DR, 2195, WESTLAKE, OH 44145-3221

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1430 THURSO RD, LYNN HAVEN, FL 32444-8334

Mortgage

Document Number	0045901426
Date	Jul 21, 2022
Instrument	4590/1426

Lender

Name	VICTORIAN FINANCE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 4, 2018
Property Address	1430 THURSO RD, LYNN HAVEN, FL 32444-8334
Document Number	0040140891
Book / Page	4014 / 0891
Map Reference	MB18 PG23
Instrument Date	May 31, 2018
Instrument	2018032703
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	706 BEACHCOMBER DR, 706, LYNN HAVEN, FL 32444-3416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1430 THURSO RD, LYNN HAVEN, FL 32444-8334

Mortgage

Document Number	2018032704
Date	Jun 4, 2018
Instrument	2018032704

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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	$7,329.00 (-0.33%) Homeowner's exemption	$528,784 (+3.38%)	$530,087 (+3.63%) Land $63,500 Building $466,587
2024	$7,353.00 (-0.04%)
2023	$7,356.00 (+29.44%) Homeowner's exemption	$511,517 (+23.29%) Land $48,755 Building $462,762	$511,517 (+23.29%) Land $48,755 Building $462,762
2022	$5,683.00	$414,888 Land $37,839 Building $377,049	$414,888 Land $37,839 Building $377,049

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

Flood

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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