157 Martingale Loop, Lynn Haven, FL 32444 Property Records

Bay County property record for 157 Martingale Loop, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,433 sqft · built 2018
Lot Size	0.319 acres (13,895 sqft)
Owner	2 Company Names on Record
Last Sale	$70,000 (Aug 2018)
Tax Bill	$3,644 (2025)
Deeds & Mortgages	Jan 2024 Transfer Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11281-250-250`

Property Details

APN / Parcel Number

Primary APN	`11281-250-250`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,433 sqft Living Area
Gross Area	3,046 sqft
1st Floor Area	2,433 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	13,895 sqft (0.319 acres)
Lot Dimensions	158 ft deep x 41 ft wide
Garage Type	Attached
Garage Area	613 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	569 sqft
Patio Area	546 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	157 MARTINGALE LOOP
City	LYNN HAVEN
State	FL
Zip	32444-3192
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	PLANTATION AT COLLEGE POINT LOT 25 ORB 4034 P 366 ORB 4765 P 1362
Legal Range	14W
Legal Township	03S
Legal Section	11
Legal Subdivision	PLANTATION AT COLLEGE POINT
Legal Lot Number	25
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2033
Census Tract	1402

Owner

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 Company Names on Record
Mailing Address	157 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 16, 2019	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE AFFINITY LLC
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG
Dec 28, 2018	Loan Modification, Mortgage TRUSTMARK NAT'L BK
Aug 1, 2018	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2018 · Amount on Record
Deed Sale	Aug 1, 2018 · Amount on Record
Deed Document Number	201846141
Deed Book / Page	4034 / 366
Last Transfer Date	Jan 16, 2024
Transfer Doc	0047651362
Record Updated	Jun 8, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Jan 17, 2024
Property Address	157 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Document Number	0047651362
Book / Page	4765 / 1362
Map Reference	MB 25 PG 28
Instrument Date	Jan 16, 2024
Instrument	2024002523
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	157 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	157 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	157 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042011400
Date	Dec 16, 2019
Book Page	4201/1400
Instrument	2019106176

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	157 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Document Number	0042980022
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	157 MARTINGALE LOOP LYNN HAVEN FL 324443192, LYNN HAVEN, FL 32444-3192

Mortgage

Document Number	0042980022
Date	Sep 14, 2020
Book Page	004298/000022
Instrument	60464

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2050

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	157 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Document Number	0040821427
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Feb 14, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4116 N HIGHWAY 231 PANAMA CITY FL 324049235, PANAMA CITY, FL 32404-9235

Mortgage

Document Number	0040821427
Date	Jan 24, 2019
Book Page	004082/001427
Instrument	9486

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PANAMA CITY, FL 32401

Agreement

Term	12 Months
Due	Jan 23, 2020

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 1, 2018
Property Address	157 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Document Number	0040340366
Book / Page	4034 / 0366
Map Reference	MB25 PG28
Instrument Date	Jul 30, 2018
Instrument	2018046141
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	CONSTITUTION TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 59462, LYNN HAVEN, FL 32444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192

Mortgage

Document Number	2018046142
Date	Aug 1, 2018
Instrument	2018046142

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,644.00 (+2.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$339,132 (+6.33%)	$390,514 (-2.58%) Land $70,600 Building $319,914
2024	$3,550.00 (+1.95%)
2023	$3,482.00 (+11.71%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$318,950 (+3%)	$400,850 (+7.63%) Land $60,400 Building $340,450
2022	$3,117.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$309,660	$372,448 Land $55,000 Building $317,448

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 242 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	242 in force
Nearby Flood Claims	107 (1985–2023)
Claims Outside the SFHA	53 of 107
Most Recent Claim	Jul 2023 · rainfall accumulation
Claims by Event	Tropical Storm Fred, Aug 2021 · 10 claims Hurricane Michael, Oct 2018 · 47 claims Hurricane Opal, Oct 1995 · 14 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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 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	None 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 361 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
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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