1837 E 12th St, Lynn Haven, FL 32444 Property Records

Bay County property record for 1837 E 12th St, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,188 sqft · built 1999
Lot Size	0.694 acres (30,231 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Sep 2021)
Tax Bill	$3,601 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11167-005-000`

Property Details

APN / Parcel Number

Primary APN	`11167-005-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,188 sqft Heated Area
Gross Area	3,519 sqft
1st Floor Area	2,188 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	30,231 sqft (0.694 acres)
Lot Dimensions	194 ft deep x 156 ft wide
Garage Area	667 sqft
Driveway	Driveway
Driveway Area	1,072 sqft

Exterior Amenities

Porch	Porch
Porch Area	664 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1837 E 12TH ST
City	LYNN HAVEN
State	FL
Zip	32444-3103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 3S 14W -42.2- 102D ST AND BAY DEV CO PLAT BEG AT INTERSECT OF N R/W 12TH
Legal Range	14W
Legal Township	03S
Legal Section	10
Legal Subdivision	ST AND BAY DEV CO
Legal Lot Number	64
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2025
Census Tract	1402

Owner

1837 E 12th St is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1837 E 12TH ST, LYNN HAVEN, FL 32444-3103
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
Jan 13, 2021	Deed of Trust, Mortgage ALBERTI US LLC
Sep 29, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 13, 2021	Warranty Deed, Transfer · Balloon Mortgage ALBERTI US LLC
Feb 1, 2019	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2021 · Amount on File
Deed Sale	Sep 29, 2021 · Amount on File
Prior Sale	Jan 13, 2021 · Amount on File
Deed Document Number	2021074614
Deed Book / Page	4466 / 1815
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1837 E 12TH ST, LYNN HAVEN, FL 32444-3103
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 E HIGHWAY 388, PANAMA CITY, FL 32409-4417

Mortgage

Document Number	0043501645
Date	Jan 13, 2021
Book Page	4350/1645
Instrument	2021002903

Lender

Name	ALBERTI US LLC
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33304

Agreement

Amount	Amount on Record

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 29, 2021
Property Address	1837 E 12TH ST, LYNN HAVEN, FL 32444-3103
Document Number	0044661815
Book / Page	4466 / 1815
Instrument Date	Sep 21, 2021
Instrument	2021074614
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TTL LLC SANTA ROSA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1408 SARDIS RD, UNION SPRINGS, AL 36089-4710

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1837 E 12TH ST, LYNN HAVEN, FL 32444-3103

Mortgage

Document Number	0044661817
Date	Sep 29, 2021
Instrument	4466/1817

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 13, 2021
Property Address	1837 E 12TH ST, LYNN HAVEN, FL 32444-3103
Document Number	0043501619
Book / Page	4350 / 1619
Instrument Date	Jan 12, 2021
Instrument	2021002899
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	DIAMOND TITLE AGENCY INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1826 E 9TH ST, LYNN HAVEN, FL 32444-3146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 E HIGHWAY 388, PANAMA CITY, FL 32409-4417

Mortgage

Document Number	0043501624
Date	Jan 13, 2021
Instrument	4350/1624

Lender

Name	ALBERTI US LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 1, 2019
Property Address	1837 E 12TH ST, LYNN HAVEN, FL 32444-3103
Document Number	0040851932
Book / Page	004085 / 001932
Instrument Date	Jan 31, 2019
Instrument	12782
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Tax	$910.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1826 E 9TH ST LYNN HAVEN FL 324443146, LYNN HAVEN, FL 32444-3146

Tax Assessment & Valuation

The 2025 property tax bill for 1837 E 12th St was $3,601 with a homeowner's exemption.

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	$3,601.00 Homeowner's exemption	$330,710	$351,714 Land $101,088 Building $250,626
2023	$3,458.00 (+12.82%) Homeowner's exemption	$312,029 (+3.96%)	$321,902 (+7.25%) Land $78,848 Building $243,054
2022	$3,065.00 Homeowner's exemption	$300,145 Land $77,500 Building $222,645	$300,145 Land $77,500 Building $222,645

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

Flood

FEMA maps place 1837 E 12th St in Zone X, an area of minimal flood risk, though there have been 107 flood claims nearby since 1985.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1837 E 12th St 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 95% of the US · lower than 95% 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 123 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, T-Mobile.

Nearby Properties on E 12th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures