Bay County property record for 1514 E 40th Pl, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,382 sqft · built 1978 |
| Lot Size | 0.794 acres (34,586 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $792 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 11575-001-000 |
| Primary APN | 11575-001-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,382 sqft Living Area |
| 1st Floor Area | 2,382 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Stone |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 34,586 sqft (0.794 acres) |
| Lot Dimensions | 173 ft deep x 200 ft wide |
| Garage Type | Detached |
| Garage Area | 624 sqft |
| Driveway | Driveway |
| Driveway Area | 224 sqft |
| Pool Area | 520 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 534 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1514 E 40TH PL |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-5300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 15 3S 14W -40.1A-103A BEG 1072.3 N & 820 W OF SE COR OF SW1/4 OF SE1/4 TH S 173.4 W 200 N 173.4 E 200 TO POB AKA L-5,6 BRANTON UNR ORB 4554 P 1866 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 15 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 1301 |
Source: Bay County records, as of January 5, 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 | 1514 E 40TH PL, LYNN HAVEN, FL 32444-5300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Apr 25, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 9, 2025 |
| Transfer Doc | 0049111089 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 29, 2026 |
| Property Address | 1514 E 40TH PL, LYNN HAVEN, FL 32444-5300 |
| Document Number | 0000045901 |
| Book / Page | 5061 / 1098 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 202645901 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | WILSON TITLE SERVICES LLC, WILSON TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1514 E 40TH PL, LYNN HAVEN, FL 32444-5300 |
| Document Number | 0000045901, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 5061/1098 |
| Instrument | 202645901 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.84% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 25, 2022 |
| Property Address | 1514 E 40TH PL, LYNN HAVEN, FL 32444-5300 |
| Document Number | 0045541866 |
| Book / Page | 4554 / 1866 |
| Instrument Date | Apr 12, 2022 |
| Instrument | 2022030581 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1514 E 40TH PL, 1514, LYNN HAVEN, FL 32444-5300 |
| Name | Verified Name |
|---|---|
| Address | 232 W BALDWIN RD, PANAMA CITY, FL 32405-3309 |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $792.00 (+3.66%) Homeowner's exemption Widower's exemption | $178,547 (+5.99%) | $305,496 (+19.8%) Land $118,230 Building $187,266 |
| 2024 | $764.00 (+0.39%) | ||
| 2023 | $761.00 (-0.13%) Homeowner's exemption | $168,461 (+3%) | $254,998 (+9.6%) Land $77,070 Building $177,928 |
| 2022 | $762.00 Homeowner's exemption | $163,554 | $232,657 Land $70,350 Building $162,307 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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