2102 Andrews Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 2102 Andrews Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,164 sqft · built 1996
Lot Size	0.382 acres (16,676 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Feb 2020)
Tax Bill	$3,670 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`11588-163-000`

Property Details

APN / Parcel Number

Primary APN	`11588-163-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,164 sqft Heated Area
Gross Area	2,836 sqft
1st Floor Area	2,164 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2006
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	16,676 sqft (0.382 acres)
Garage Area	506 sqft
Driveway	Driveway
Driveway Area	832 sqft

Exterior Amenities

Pool Area	420 sqft
Porch	Porch
Porch Area	166 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2102 ANDREWS RD
City	LYNN HAVEN
State	FL
Zip	32444-5373
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MOWAT HIGHLANDS PHASE II LOT 13 MAP 103A ORB 4225 P 1126
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	MOWAT HIGHLANDS
Legal Phase	2
Legal Lot Number	13
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 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2102 ANDREWS RD, LYNN HAVEN, FL 32444-5373
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Feb 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 24, 2020	Warranty Deed, Transfer · FHA Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2020 · Amount on Record
Deed Sale	Feb 24, 2020 · Amount on Record
Prior Sale	Oct 29, 2014 · Amount on Record
Deed Document Number	2020014227
Deed Book / Page	4225 / 1126
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2102 ANDREWS RD, LYNN HAVEN, FL 32444-5373
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2102 ANDREWS RD, LYNN HAVEN, FL 32444-5373

Mortgage

Document Number	0045792093
Date	Jun 23, 2022
Book Page	4579/2093
Instrument	2022047056

Lender

Name	LOANCARE LLC
Type	Non-Lending Institution
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Mar 1, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2102 ANDREWS RD, LYNN HAVEN, FL 32444-5373
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039760461
Date	Feb 1, 2018
Book Page	3976/0461
Instrument	2018006150

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2038

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 24, 2020
Property Address	2102 ANDREWS RD, LYNN HAVEN, FL 32444-5373
Document Number	0042251126
Book / Page	4225 / 1126
Map Reference	MB 16 PG 60
Instrument Date	Feb 20, 2020
Instrument	2020014227
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1201 PINE BLUFF DR, 1201, CHIPLEY, FL 32428-8701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22400 FRONT BEACH RD UNIT 28, 28, PANAMA CITY, FL 32413-1201

Mortgage

Document Number	0042251128
Date	Feb 24, 2020
Instrument	4225/1128

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

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	$3,670.00 (-1.77%) Homeowner's exemption	$285,605 (+4.83%)	$295,361 (+8.42%) Land $63,500 Building $231,861
2023	$3,736.00 (+2.75%) Homeowner's exemption	$272,435 (+11.16%) Land $48,755 Building $223,680	$272,435 (+11.16%) Land $48,755 Building $223,680
2022	$3,636.00	$245,074 Land $37,839 Building $207,235	$245,074 Land $37,839 Building $207,235

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	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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