1600 E 12th St, Lynn Haven, FL 32444 Property Records

Bay County property record for 1600 E 12th St, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,064 sqft · built 1988
Lot Size	1.21 acres (53,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$362,900 (Jul 2017)
Tax Bill	$3,760 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11169-025-000`

Property Details

APN / Parcel Number

Primary APN	`11169-025-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,064 sqft Heated Area
Gross Area	4,476 sqft
1st Floor Area	1,842 sqft
2nd Floor Area	1,222 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	53,013 sqft (1.21 acres)
Lot Dimensions	312 ft deep x 170 ft wide
Garage Area	704 sqft

Exterior Amenities

Pool Area	392 sqft
Porch	Porch
Porch Area	252 sqft
Deck Area	456 sqft
Patio Area	135 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1600 E 12TH ST
City	LYNN HAVEN
State	FL
Zip	32444-2917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	10 3S 14W -44.4- 102D ST A B DEV CO PLAT BEG 380.83' W & 256.24' S OF
Legal Range	14W
Legal Township	03S
Legal Section	10
Legal Subdivision	ST ANDREWS BAY DEV COS
Legal Lot Number	52 61
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	1
Census Block	1035
Census Tract	1402

Owner

Source: Bay County records, as of January 23, 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	1600 E 12TH ST, LYNN HAVEN, FL 32444-2917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
May 25, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Jul 7, 2017	Warranty Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2017 · Amount on Record
Deed Sale	Jul 7, 2017 · Amount on Record
Prior Sale	Jul 2, 2004 · Amount on Record
Deed Document Number	2017038240
Deed Book / Page	3916 / 0212
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1600 E 12TH ST, LYNN HAVEN, FL 32444-2917
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0043760144
Date	Mar 15, 2021
Book Page	4376/144
Instrument	2021018485

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1600 E 12TH ST, LYNN HAVEN, FL 32444-2917
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0045681315
Date	May 25, 2022
Book Page	4568/1315
Instrument	2022039729

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1600 E 12TH ST, LYNN HAVEN, FL 32444-2917
Document Number	0040681411
Instrument Date	Nov 5, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1600 E 12TH ST LYNN HAVEN FL 324442917, LYNN HAVEN, FL 32444-2917

Mortgage

Document Number	0040681411
Date	Dec 11, 2018
Book Page	004068/001411
Instrument	74261

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2048

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 7, 2017
Property Address	1600 E 12TH ST, LYNN HAVEN, FL 32444-2917
Document Number	0039160212
Book / Page	003916 / 000212
Instrument Date	Jul 5, 2017
Instrument	38240
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1600 E 12TH ST LYNN HAVEN FL 324442917, LYNN HAVEN, FL 32444-2917

Mortgage

Document Number	39160214
Date	Jul 7, 2017
Book Page	003916/000214
Instrument	38241

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2047

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

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	$3,760.00 (+4.39%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$353,538 (+5.99%)	$414,283 (+8.48%) Land $136,850 Building $277,433
2023	$3,602.00 (+11.72%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$333,567 (+3%)	$381,885 (+16.3%) Land $128,052 Building $253,833
2022	$3,224.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$323,851	$328,374 Land $93,840 Building $234,534

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 121 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	121 in force
Nearby Flood Claims	88 (1995–2021)
Claims Outside the SFHA	40 of 88
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 45 claims Severe Storms And Flooding, Jul 2013 · 4 claims Hurricane Opal, Oct 1995 · 24 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 201 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, Mediacom Xtream.

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