2103 Windjammer Dr, Lynn Haven, FL 32444 Property Records

Bay County property record for 2103 Windjammer Dr, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,475 sqft · built 1987
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$510,500 (Nov 2021)
Tax Bill	$6,522 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`08925-133-000`

Property Details

APN / Parcel Number

Primary APN	`08925-133-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,475 sqft Heated Area
Gross Area	3,426 sqft
1st Floor Area	2,475 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	136 ft deep x 90 ft wide
Garage Area	576 sqft
Driveway	Driveway
Driveway Area	1,024 sqft

Exterior Amenities

Pool Area	800 sqft
Porch	Porch
Porch Area	753 sqft
Patio Area	700 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2103 WINDJAMMER DR
City	LYNN HAVEN
State	FL
Zip	32444-2074
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH HARBOUR LOT 5 BLK B ORB 4492 P 1057
Legal Range	14W
Legal Township	03S
Legal Section	07
Legal Subdivision	NORTH HARBOUR
Legal Block	B
Legal Lot Number	5
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2013
Census Tract	1404

Owner

2103 Windjammer Dr is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2103 WINDJAMMER DR, LYNN HAVEN, FL 32444-2074
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

Date	Document
Jan 10, 2020	Deed of Trust, Mortgage · Line of Credit PEOPLESSOUTH BANK
Nov 30, 2021	Warranty Deed, Transfer · VA Mortgage HANCOCK MORTGAGE PARTNERS LLC
Mar 20, 2018	Warranty Deed, Transfer · Line of Credit PEOPLESSOUTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2021 · Amount on File
Deed Sale	Nov 30, 2021 · Amount on File
Prior Sale	Mar 20, 2018 · Amount on File
Deed Document Number	0044921057
Deed Book / Page	4492 / 1057
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2103 WINDJAMMER DR, LYNN HAVEN, FL 32444-2074
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042100157
Date	Jan 10, 2020
Book Page	4210/157
Instrument	2020002367

Lender

Name	PEOPLESSOUTH BANK
Type	Bank
Address	PANAMA CITY, FL 32404

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 10, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 30, 2021
Property Address	2103 WINDJAMMER DR, LYNN HAVEN, FL 32444-2074
Document Number	0044921057
Book / Page	4492 / 1057
Map Reference	MB 14 PG 88
Instrument Date	Nov 30, 2021
Instrument	2021090807
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,573.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2103 WINDJAMMER DR, LYNN HAVEN, FL 32444-2074

Mortgage

Document Number	0044921059
Date	Nov 30, 2021
Instrument	4492/1059

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 20, 2018
Property Address	2103 WINDJAMMER DR, LYNN HAVEN, FL 32444-2074
Document Number	0039900215
Book / Page	3990 / 0215
Map Reference	MB14 PG88
Instrument Date	Mar 19, 2018
Instrument	2018015940
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	OMEGA TITLE LLC

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	3001 W 10TH ST # ST209, 3001, PANAMA CITY, FL 32401-1487

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 WIND JAMMER DR, LYNN HAVEN, FL 32444-2074

Mortgage

Document Number	2018015941
Date	Mar 20, 2018
Instrument	2018015941

Lender

Name	PEOPLESSOUTH BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	64 Months
Due	Jul 19, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 2103 Windjammer Dr was $6,522 with exemptions applied.

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	$6,522.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$480,144	$487,341 Land $82,062 Building $405,279
2023	$6,432.00 (+5.24%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$455,495 (+8.81%) Land $53,427 Building $402,068	$455,495 (+8.81%) Land $53,427 Building $402,068
2022	$6,112.00	$418,627 Land $53,427 Building $365,200	$418,627 Land $53,427 Building $365,200

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

Flood

FEMA maps place 2103 Windjammer Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 425 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	425 in force
Nearby Flood Claims	112 (1989–2024)
Claims Outside the SFHA	24 of 112
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 52 claims Hurricane Dennis, Jul 2005 · 10 claims Hurricane Opal, Oct 1995 · 41 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 2103 Windjammer Dr is low, with less than 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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 89 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
Starlink Satellite	280 / 30

May also be available: AT&T.

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