2109 Sutherland Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 2109 Sutherland Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,252 sqft · built 1995
Lot Size	0.333 acres (14,515 sqft)
Owner	Individual Name on Record
Tax Bill	$1,912 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11588-213-000`

Property Details

APN / Parcel Number

Primary APN	`11588-213-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,252 sqft Living Area
Gross Area	2,652 sqft
1st Floor Area	2,065 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,515 sqft (0.333 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	864 sqft
Porch	Florida Room
Porch Area	211 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2109 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 13 MAP 103A ORB 3999 P 1348
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	MOWAT HIGHLANDS PHASE III
Legal Phase	3
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 5, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2109 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 18, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage PHH MORTGAGE SERVICES CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 27, 2018
Transfer Doc	0039991348
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2109 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388
Transaction Type	Mortgage
Record Updated	Oct 1, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044591828
Date	Sep 13, 2021
Book Page	4459/1828
Instrument	2021070125

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2109 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043260023
Date	Nov 18, 2020
Book Page	4326/23
Instrument	2020077863

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Apr 18, 2018
Property Address	2109 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388
Document Number	0039991348
Book / Page	3999 / 1348
Map Reference	MB16 PG38
Instrument Date	Feb 27, 2018
Instrument	2018022676
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2109 SUTHERLAND RD, 2109, LYNN HAVEN, FL 32444-5388

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 SUTHERLAND RD, LYNN HAVEN, FL 32444-5388

Mortgage

Document Number	2018022677
Date	Apr 18, 2018
Instrument	2018022677

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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	$1,912.00 (-4.92%) Homeowner's exemption Widower's exemption	$173,721 (+5.99%)	$272,646 (+8.47%) Land $63,500 Building $209,146
2024	$2,011.00 (-0.2%)
2023	$2,015.00 (+9.87%) Homeowner's exemption	$163,908 (+3%)	$251,349 (+30.15%) Land $48,755 Building $202,594
2022	$1,834.00 Homeowner's exemption	$159,134	$193,129 Land $37,839 Building $155,290

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 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 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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