185 Martingale Loop, Lynn Haven, FL 32444 Property Records

Bay County property record for 185 Martingale Loop, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,595 sqft · built 2018
Lot Size	0.282 acres (12,284 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Aug 2017)
Deeds & Mortgages	Jan 2026 Second Mortgage Oct 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11281-250-180`

Property Details

APN / Parcel Number

Primary APN	`11281-250-180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,595 sqft Heated Area
Gross Area	3,330 sqft
1st Floor Area	2,109 sqft
2nd Floor Area	486 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	12,284 sqft (0.282 acres)
Lot Dimensions	164 ft deep x 75 ft wide
Garage Area	440 sqft

Exterior Amenities

Porch	Porch
Porch Area	295 sqft
Patio Area	60 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	185 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 18 ORB 3923 P 935
Legal Range	14W
Legal Township	03S
Legal Section	11
Legal Subdivision	PLANTATION AT COLLEGE POINT
Legal Lot Number	18
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 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	185 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Oct 11, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Dec 28, 2018	Loan Modification, Mortgage TRUSTMARK NAT'L BK
Mar 9, 2018	Loan Modification, Mortgage FIRST FL BK
Mar 9, 2018	Loan Modification, Mortgage · VA Mortgage FIRST FL BK
Aug 1, 2017	Corporation Deed, Transfer · VA Mortgage FIRST FLORIDA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2017 · Amount on Record
Deed Sale	Aug 1, 2017 · Amount on Record
Deed Document Number	2017043410
Deed Book / Page	3923 / 0935
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	185 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Investor	Possibly a Property Investor

Mortgage

Document Number	0049961445
Date	Jan 29, 2026
Book Page	4996/1445
Instrument	2026005314

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2046

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	185 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Document Number	0041810344
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 20, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	185 MARTINGALE LOOP LYNN HAVEN FL 324443192, LYNN HAVEN, FL 32444-3192

Mortgage

Document Number	0041810344
Date	Oct 18, 2019
Book Page	004181/000344
Instrument	91449

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2049

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	185 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

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	185 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Document Number	0039970932
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	185 MARTINGALE LOOP LYNN HAVEN FL 32444, LYNN HAVEN, FL 32444

Mortgage

Document Number	0039970932
Date	Apr 11, 2018
Book Page	003997/000932
Instrument	21095

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32540

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2048

Interest

Rate	4.25%

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	185 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Document Number	0039882268
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 19, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	185 MARTINGALE LOOP LYNN HAVEN FL 32444, LYNN HAVEN, FL 32444

Mortgage

Document Number	0039882268
Date	Mar 15, 2018
Book Page	003988/002268
Instrument	15187

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32540

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2048

Interest

Rate	4.25%

August 2017: Corporation Deed, Transfer

Document Type	Corporation Deed
Jurisdiction	BAY FL
Recording Date	Aug 1, 2017
Property Address	185 MARTINGALE LOOP, LYNN HAVEN, FL 32444-3192
Document Number	0039230935
Book / Page	3923 / 0935
Map Reference	MB25 PG28
Instrument Date	Jul 28, 2017
Instrument	2017043410
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	MTI TITLE INSURANCE AGENCY I

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 59262, PANAMA CITY, FL 32412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 BRITTON LN, LYNN HAVEN, FL 32444-3185

Mortgage

Document Number	2017043411
Date	Aug 1, 2017
Instrument	2017043411

Lender

Name	FIRST FLORIDA BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$345,147 (+6.19%)	$386,493 (+9.5%) Land $70,600 Building $315,893
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$325,043	$352,969 Land $60,400 Building $292,569

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 A, 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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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