Bay County property record for 1515 E 24th St, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 3,512 sqft · built 2020 |
| Lot Size | 0.487 acres (21,213 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $625,000 (Feb 2024) |
| Tax Bill | $6,493 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Feb 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11580-002-000 |
| Primary APN | 11580-002-000 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,512 sqft Living Area |
| 1st Floor Area | 2,732 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Metal |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 21,213 sqft (0.487 acres) |
| Lot Dimensions | 226 ft deep x 94 ft wide |
| Driveway | Driveway |
| Driveway Area | 1,640 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1515 E 24TH ST |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-5329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 15 3S 14W -45.2- 103A BEG 30 S & 473.38 E OF NW CO OF SW1/4 OF SE1/4 TH E 94 S 226.5 W 94 N 226.5 TO POB ORB 4777 P 520 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 15 |
| Legal Lot Number | 4 |
| 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 16, 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 | 1515 E 24TH ST, LYNN HAVEN, FL 32444-5329 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 4, 2025 | Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK |
| Feb 27, 2024 | Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK |
| Jan 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SMARTBANK |
| Sep 21, 2018 | Quit Claim Deed, Transfer · Conventional with PMI SMARTBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2024 · Amount on Record |
| Deed Sale | Feb 27, 2024 · Amount on Record |
| Prior Sale | Jan 25, 2011 · Amount on Record |
| Deed Document Number | 202410820 |
| Deed Book / Page | 4777 / 520 |
| Prior Transfer Date | Sep 17, 2018 |
| Prior Transfer Doc | 0040500574 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1515 E 24TH ST, LYNN HAVEN, FL 32444-5329 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1515 E 24TH ST, LYNN HAVEN, FL 32444-5329 |
| Document Number | 0049800757 |
|---|---|
| Date | Dec 4, 2025 |
| Book Page | 4980/757 |
| Instrument | 2025070714 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | LYNN HAVEN, FL 32444 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Feb 27, 2024 |
| Property Address | 1515 E 24TH ST, LYNN HAVEN, FL 32444-5329 |
| Document Number | 0047770520 |
| Book / Page | 4777 / 520 |
| Instrument Date | Feb 26, 2024 |
| Instrument | 2024010820 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2024 |
| Title Company | MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1502 E 40TH PL, LYNN HAVEN, FL 32444-5300 |
| Name | Verified Name |
|---|---|
| Address | 1515 E 24TH ST, LYNN HAVEN, FL 32444-5329 |
| Document Number | 0047770522 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | 4777/522 |
| Instrument | 2024010821 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39225 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 1515 E 24TH ST, LYNN HAVEN, FL 32444-5329 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1515 E 24TH ST, LYNN HAVEN, FL 32444-5329 |
| Document Number | 0043511675 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | 4351/1675 |
| Instrument | 2021003554 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Address | PIGEON FORGE, TN 37868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 21, 2018 |
| Property Address | 1515 E 24TH ST, LYNN HAVEN, FL 32444-5329 |
| Document Number | 0040500574 |
| Book / Page | 004050 / 000574 |
| Instrument Date | Sep 17, 2018 |
| Instrument | 57145 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2018 |
| Title Company | CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1507 E 24TH ST LYNN HAVEN FL 324445329, LYNN HAVEN, FL 32444-5329 |
| Document Number | 40500576 |
|---|---|
| Date | Sep 21, 2018 |
| Book Page | 004050/000576 |
| Instrument | 57146 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Address | PIGEON FORGE, TN 37868-1910 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2048 |
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 | $6,493.00 (+72.27%) | $524,790 (+58.39%) Land $58,214 Building $466,576 | $524,790 (+58.39%) Land $58,214 Building $466,576 |
| 2024 | $3,769.00 (+1.89%) | ||
| 2023 | $3,699.00 (+10.68%) Homeowner's exemption | $331,318 (+2.23%) Land $37,947 Building $293,371 | $331,318 (+0.33%) Land $37,947 Building $293,371 |
| 2022 | $3,342.00 Homeowner's exemption | $324,085 | $330,220 Land $34,639 Building $295,581 |
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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