1904 Sutherland Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 1904 Sutherland Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,859 sqft · built 1994
Lot Size	0.369 acres (16,098 sqft)
Owner	Individual Name on File
Last Sale	$227,500 (Mar 2017)
Tax Bill	$2,756 (2025)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11588-309-000`

Property Details

APN / Parcel Number

Primary APN	`11588-309-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Heated Area
Gross Area	2,848 sqft
1st Floor Area	1,859 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,098 sqft (0.369 acres)
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	960 sqft
Porch	Porch
Porch Area	548 sqft
Patio Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1904 SUTHERLAND RD
City	LYNN HAVEN
State	FL
Zip	32444-5386
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MOWAT HIGHLANDS PHASE IV LOT 34 BLK B MAP 103A ORB 3882 P 590
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	MOWAT HIGHLANDS
Legal Phase	4
Legal Block	B
Legal Lot Number	34
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
Census Tract	1301

Owner

1904 Sutherland Rd is owned and occupied by an individual who bought it in March 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1904 SUTHERLAND RD, LYNN HAVEN, FL 32444-5386
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2017 · Amount on File
Deed Sale	Mar 16, 2017 · Amount on File
Prior Sale	Apr 27, 2004 · Amount on File
Deed Document Number	2017014278
Deed Book / Page	3882 / 0590
Record Updated	Jun 8, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 16, 2017
Property Address	1904 SUTHERLAND RD, LYNN HAVEN, FL 32444-5386
Document Number	0038820590
Book / Page	3882 / 0590
Map Reference	MB16 PG20
Instrument Date	Mar 8, 2017
Instrument	2017014278
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1904 SUTHERLAND RD, 1904, LYNN HAVEN, FL 32444-5386

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1904 SUTHERLAND RD, LYNN HAVEN, FL 32444-5386

Mortgage

Document Number	2017014279
Date	Mar 16, 2017
Instrument	2017014279

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1904 Sutherland Rd was $2,756 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	$2,756.00 Homeowner's exemption	$224,815	$288,070 Land $63,500 Building $224,570
2023	$2,822.00 (+12.79%) Homeowner's exemption	$212,116 (+3%)	$264,232 (+11.57%) Land $48,755 Building $215,477
2022	$2,502.00 Homeowner's exemption	$205,938	$236,822 Land $37,839 Building $198,983

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

Flood

FEMA maps place 1904 Sutherland Rd in Zone X, an area of minimal flood risk, within 500 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 500 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 1904 Sutherland Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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	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 516 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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