2105 Sutherland Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 2105 Sutherland Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,065 sqft · built 1995
Lot Size	0.327 acres (14,249 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Dec 2021)
Tax Bill	$4,187 (2025)
Deeds & Mortgages	May 2023 Transfer Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11588-215-000`

Property Details

APN / Parcel Number

Primary APN	`11588-215-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,065 sqft Living Area
Gross Area	2,465 sqft
1st Floor Area	2,065 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2020
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,249 sqft (0.327 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	832 sqft

Exterior Amenities

Pool Area	338 sqft
Porch	Open Porch
Porch Area	211 sqft
Patio Area	153 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2105 SUTHERLAND RD
City	LYNN HAVEN
State	FL
Zip	32444-5388
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UND
Legal Description	MOWAT HIGHLANDS PHASE III LOT 15 ORB 4686 P 965
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	MOWAT HIGHLANDS PHASE III
Legal Phase	3
Legal Lot Number	15
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
Census Tract	1301

Owner

2105 Sutherland Rd is owned and occupied by two individuals who acquired it in May 2023.

Source: Bay County records, as of March 6, 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	2 Individual Names on File
Mailing Address	2105 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 5, 2023	Intrafamily Transfer, Transfer
Dec 6, 2021	Warranty Deed, Transfer · Conventional Mortgage SMARTBANK
Nov 6, 2019	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2021 · Amount on File
Deed Sale	Dec 6, 2021 · Amount on File
Prior Sale	Nov 6, 2019 · Amount on File
Deed Document Number	202192274
Deed Book / Page	4495 / 222
Last Transfer Date	May 5, 2023
Transfer Doc	0046860965
Record Updated	Jun 8, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	May 5, 2023
Property Address	2105 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388
Document Number	0046860965
Book / Page	4686 / 965
Map Reference	MB 16 PG 38
Instrument Date	May 5, 2023
Instrument	2023028175
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Dec 6, 2021
Property Address	2105 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388
Document Number	0044950222
Book / Page	4495 / 222
Map Reference	MB 16 PG 38
Instrument Date	Nov 29, 2021
Instrument	2021092274
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	136 WHITE OAKS BLVD, PANAMA CITY, FL 32409-2371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388

Mortgage

Document Number	0004495224
Date	Dec 6, 2021
Instrument	4495/224

Lender

Name	SMARTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Nov 6, 2019
Property Address	2105 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388
Document Number	0041872343
Book / Page	4187 / 2343
Map Reference	MB 16 PG 38
Instrument Date	Oct 30, 2019
Instrument	2019096483
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SOUTH OAK TTL PANAMA CITY BE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,099.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1428 THURSO RD, 1428, LYNN HAVEN, FL 32444-8334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388

Mortgage

Document Number	0041872345
Date	Nov 6, 2019
Instrument	4187/2345

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2105 Sutherland Rd was $4,187 with a homeowner's exemption, down 0.8% from the year before.

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	$4,187.00 (-0.78%) Homeowner's exemption	$319,948	$352,698 Land $63,500 Building $289,198
2024	$4,220.00 (+3.25%)
2023	$4,087.00 (+9.6%) Homeowner's exemption	$300,710 (+3%)	$324,380 (+11.11%) Land $48,755 Building $275,625
2022	$3,729.00 Homeowner's exemption	$291,951 Land $37,839 Building $254,112	$291,951 Land $37,839 Building $254,112

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

Flood

FEMA maps place 2105 Sutherland Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 2105 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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