1703 Sutherland Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 1703 Sutherland Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,952 sqft · built 1994
Lot Size	0.393 acres (17,161 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Mar 2017)
Tax Bill	$1,286 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11588-327-000`

Property Details

APN / Parcel Number

Primary APN	`11588-327-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,952 sqft Heated Area
Gross Area	2,828 sqft
1st Floor Area	1,952 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	17,161 sqft (0.393 acres)
Garage Area	552 sqft
Driveway	Driveway
Driveway Area	1,386 sqft

Exterior Amenities

Porch	Porch
Porch Area	324 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1703 SUTHERLAND RD
City	LYNN HAVEN
State	FL
Zip	32444-5389
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MOWAT HIGHLANDS PHASE IV LOT 18 BLK G MAP 103A ORB 3887 P 515
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	MOWAT HIGHLANDS
Legal Phase	4
Legal Block	G
Legal Lot Number	18
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
Census Tract	1301

Owner

1703 Sutherland Rd is owned and occupied by two individuals who bought it in March 2017.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1703 SUTHERLAND RD, LYNN HAVEN, FL 32444-5389
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 30, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2017 · Amount on File
Deed Sale	Mar 30, 2017 · Amount on File
Prior Sale	Jan 14, 2000 · Amount on File
Deed Document Number	2017017796
Deed Book / Page	3887 / 0515
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1703 SUTHERLAND RD, LYNN HAVEN, FL 32444-5389
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1703 SUTHERLAND RD, LYNN HAVEN, FL 32444-5389

Mortgage

Document Number	0043321657
Date	Dec 3, 2020
Book Page	4332/1657
Instrument	2020081668

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2040

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 30, 2017
Property Address	1703 SUTHERLAND RD, LYNN HAVEN, FL 32444-5389
Document Number	0038870515
Book / Page	003887 / 000515
Instrument Date	Mar 28, 2017
Instrument	17796
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1703 SUTHERLAND RD LYNN HAVEN FL 324445389, LYNN HAVEN, FL 32444-5389

Mortgage

Document Number	38870517
Date	Mar 30, 2017
Book Page	003887/000517
Instrument	17797

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1703 Sutherland Rd was $1,286 with a homeowner's exemption.

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

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	$1,286.00 Homeowner's exemption	$127,082	$282,876 Land $63,500 Building $219,376
2023	$1,426.00 (+16.5%) Homeowner's exemption	$119,903 (+3%)	$261,083 (+11.2%) Land $48,755 Building $212,328
2022	$1,224.00 Homeowner's exemption	$116,411	$234,784 Land $37,839 Building $196,945

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

Flood

FEMA maps place 1703 Sutherland Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 1703 Sutherland Rd is low, with a 0.02% annual chance of 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	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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