2003 Pentland Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 2003 Pentland Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,044 sqft · built 1993
Lot Size	0.35 acres (15,238 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Jan 2022)
Tax Bill	$4,983 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`11588-126-000`

Property Details

APN / Parcel Number

Primary APN	`11588-126-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,044 sqft Living Area
Gross Area	2,506 sqft
1st Floor Area	1,810 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,238 sqft (0.35 acres)
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	720 sqft
Porch	Florida Room
Porch Area	336 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2003 PENTLAND RD
City	LYNN HAVEN
State	FL
Zip	32444-5356
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UND
Legal Description	MOWAT HIGHLANDS PHASE I LOT 14 BLK G ORB 4511 P 200
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	MOWAT HIGHLANDS PHASE I
Legal Phase	1
Legal Block	G
Legal Lot Number	14
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
Census Tract	1301

Owner

Source: Bay County records, as of January 5, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2003 PENTLAND RD, LYNN HAVEN, FL 32444-5356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
May 21, 2018	Warranty Deed, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK
May 21, 2018	Quit Claim Deed, Transfer MTI TITLE INSURANCE AGENCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2022 · Amount on Record
Deed Sale	Jan 12, 2022 · Amount on Record
Prior Sale	May 21, 2018 · Amount on Record
Deed Document Number	20223007
Deed Book / Page	4511 / 200
Prior Transfer Date	Mar 7, 2018
Prior Transfer Doc	0040092231
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 12, 2022
Property Address	2003 PENTLAND RD, LYNN HAVEN, FL 32444-5356
Document Number	0045110200
Book / Page	4511 / 200
Map Reference	MB 15 PG 28
Instrument Date	Jan 12, 2022
Instrument	2022003007
Transaction Type	Transfer
Record Updated	Jan 27, 2022
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 HIGHWAY 126, 201, SPRUCE PINE, AL 35585-3718

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2003 PENTLAND RD, LYNN HAVEN, FL 32444-5356

Mortgage

Document Number	0004511202
Date	Jan 12, 2022
Instrument	4511/202

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 21, 2018
Property Address	2003 PENTLAND RD, LYNN HAVEN, FL 32444-5356
Document Number	0040092233
Book / Page	4009 / 2233
Map Reference	MB15 PG28
Instrument Date	Apr 30, 2018
Instrument	2018029748
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	MTI TITLE INS AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	373 BUNOLA RIVER RD, 373, BUNOLA, PA 15020-1004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2003 PENTLAND RD, LYNN HAVEN, FL 32444-5356

Mortgage

Document Number	2018029749
Date	May 21, 2018
Instrument	2018029749

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	May 21, 2018
Property Address	2003 PENTLAND RD, LYNN HAVEN, FL 32444-5356
Document Number	0040092231
Book / Page	004009 / 002231
Instrument Date	Mar 7, 2018
Instrument	29747
Transaction Type	Transfer
Record Updated	Jun 4, 2018
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	373 BUNOLA RIVER RD BUNOLA PA 15020, BUNOLA, PA 15020

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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	$4,983.00 (-1.87%) Homeowner's exemption	$372,885 (+4.61%)	$384,228 (+7.79%) Land $63,500 Building $320,728
2024	$5,078.00 (-9.77%)
2023	$5,628.00 (+45.13%)	$356,455 (+14.88%) Land $48,755 Building $307,700	$356,455 (+14.88%) Land $48,755 Building $307,700
2022	$3,878.00	$310,285 Land $37,839 Building $272,446	$310,285 Land $37,839 Building $272,446

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 94% 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	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 255 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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