2100 Sutherland Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 2100 Sutherland Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,870 sqft · built 1995
Lot Size	0.371 acres (16,190 sqft)
Owner	2 Owner Names on File
Last Sale	$265,000 (Jun 2008)
Tax Bill	$2,130 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Nov 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`11588-202-000`

Property Details

APN / Parcel Number

Primary APN	`11588-202-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,870 sqft Heated Area
Gross Area	2,506 sqft
1st Floor Area	1,870 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,190 sqft (0.371 acres)
Garage Area	540 sqft
Driveway	Driveway
Driveway Area	1,800 sqft

Exterior Amenities

Pool Area	360 sqft
Porch	Porch
Porch Area	96 sqft
Patio Area	100 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2100 SUTHERLAND RD
City	LYNN HAVEN
State	FL
Zip	32444-5390
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MOWAT HIGHLANDS PHASE III LOT 2 MAP 103A ORB 1857 P 1931 ORB 1926
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	MOWAT HIGHLANDS
Legal Phase	3
Legal Lot Number	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
Census Tract	1301

Owner

The current owner of 2100 Sutherland Rd bought it in June 2008.

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

Owner of Record	2 Owner Names on File
Mailing Address	2100 SUTHERLAND RD, LYNN HAVEN, FL 32444-5390
Occupancy	Owner Occupied

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
Dec 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Nov 20, 2017	Loan Modification, Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2008 · Amount on File
Deed Sale	Jun 2, 2008 · Amount on File
Deed Document Number	2008031364
Deed Book / Page	3055 / 0452
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2100 SUTHERLAND RD, LYNN HAVEN, FL 32444-5390
Document Number	0040700754
Instrument Date	Dec 1, 2018
Transaction Type	Mortgage
Record Updated	Jan 7, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2100 SUTHERLAND RD LYNN HAVEN FL 324445390, LYNN HAVEN, FL 32444-5390

Mortgage

Document Number	0040700754
Date	Dec 17, 2018
Book Page	004070/000754
Instrument	76340

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2048

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	2100 SUTHERLAND RD, LYNN HAVEN, FL 32444-5390
Document Number	0039571855
Book / Page	003957 / 001855
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2100 SUTHERLAND RD LYNN HAVEN FL 324445390, LYNN HAVEN, FL 32444-5390

Mortgage

Document Number	0039571855
Date	Nov 27, 2017
Book Page	003957/001855
Instrument	68043

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	GETZVILLE, NY 14068

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 26, 2037

Interest

Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 2100 Sutherland Rd was $2,130 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	$2,130.00 Homeowner's exemption	$183,208	$244,621 Land $63,500 Building $181,121
2023	$2,228.00 (+14.79%) Homeowner's exemption	$172,859 (+3.72%)	$222,635 (+20.79%) Land $48,755 Building $173,880
2022	$1,941.00 Homeowner's exemption	$166,659	$184,315 Land $37,839 Building $146,476

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

Flood

FEMA maps place 2100 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 2100 Sutherland Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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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