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1905 Sutherland Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 1905 Sutherland Rd, Lynn Haven, FL 32444

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,091 sqft · built 1994
Lot Size0.367 acres (16,001 sqft)
Owner2 Individual Names on File
Last Sale$124,500 (Dec 1994)
Tax Bill$254 (2024)
Deeds & MortgagesAug 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN11588-322-000

Property Details

APN / Parcel Number

Primary APN11588-322-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,091 sqft Heated Area
Gross Area2,858 sqft
1st Floor Area2,091 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 2004
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area16,001 sqft (0.367 acres)
Garage Area441 sqft
DrivewayDriveway
Driveway Area768 sqft

Exterior Amenities

Pool Area480 sqft
PorchPorch
Porch Area326 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1905 SUTHERLAND RD
CityLYNN HAVEN
StateFL
Zip32444-5392
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMOWAT HIGHLANDS PHASE IV LOT 15 BLK D MAP 103A ORB 1539 P 482
Legal Range14W
Legal Township03S
Legal Section15
Legal SubdivisionMOWAT HIGHLANDS
Legal Phase4
Legal BlockD
Legal Lot Number15
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2024
Census Tract1301

Owner

1905 Sutherland Rd is owned and occupied by two individuals who bought it in December 1994.

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

Owner of Record2 Individual Names on File
Mailing Address1905 SUTHERLAND RD, LYNN HAVEN, FL 32444-5392
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleDec 18, 1994 · Amount on File
Deed SaleDec 18, 1994 · Amount on File
Deed Document Number0001539482
Record UpdatedJun 8, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address1905 SUTHERLAND RD, LYNN HAVEN, FL 32444-5392
Transaction TypeMortgage
Record UpdatedSep 26, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1905 SUTHERLAI4D RD, LYNN HAVEN, FL 32444

Mortgage

Document Number0046040550
DateAug 29, 2022
Book Page4604/550
Instrument2022064138
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityLynn Haven City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$184,956$248,058 Land $63,500 Building $184,558
2024$254.00 (+9.96%)
2023$231.00 (+66.19%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$174,508 (+3%)$227,722 (+24.79%) Land $48,755 Building $178,967
2022$139.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$169,425$182,486 Land $37,839 Building $144,647

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

Flood

FEMA maps place 1905 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 325 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies325 in force
Nearby Flood Claims60 (1998–2021)
Claims Outside the SFHA27 of 60
Most Recent ClaimAug 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 1905 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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemLYNN HAVEN, CITY OF WATER SYSTEM
serves 23,380 people · EPA ID FL1030435
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionNov 2024
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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