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2202 Sutherland Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 2202 Sutherland Rd, Lynn Haven, FL 32444

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,888 sqft · built 1996
Lot Size0.428 acres (18,637 sqft)
Owner2 Individual Names on Record
Last Sale$275,000 (Apr 2020)
Tax Bill$169 (2024)
Deeds & MortgagesApr 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN11588-208-000

Property Details

APN / Parcel Number

Primary APN11588-208-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,888 sqft Living Area
Gross Area2,350 sqft
1st Floor Area1,888 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 2016
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area18,637 sqft (0.428 acres)
Garage TypeAttached
Garage Area462 sqft
DrivewayDriveway
Driveway Area640 sqft
PorchOpen Porch
Porch Area42 sqft
Patio Area230 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2202 SUTHERLAND RD
CityLYNN HAVEN
StateFL
Zip32444-5391
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeUND
Legal DescriptionMOWAT HIGHLANDS PHASE III LOT 8 MAP 103A ORB 4243 P 2189
Legal Range14W
Legal Township03S
Legal Section15
Legal SubdivisionMOWAT HIGHLANDS PHASE III
Legal Phase3
Legal Lot Number8
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group2
Census Block2013
Census Tract1301

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 Record2 Individual Names on Record
Mailing Address2202 SUTHERLAND RD, LYNN HAVEN, FL 32444-5391
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 20, 2020 · Amount on Record
Deed SaleApr 20, 2020 · Amount on Record
Deed Document Number202026760
Deed Book / Page4243 / 2189
Prior Transfer DateApr 12, 2013
Prior Transfer Doc0035070993
Record UpdatedJun 8, 2026

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateApr 20, 2020
Property Address2202 SUTHERLAND RD, LYNN HAVEN, FL 32444-5391
Document Number0042432189
Book / Page004243 / 002189
Instrument DateApr 16, 2020
Instrument26760
Transaction TypeTransfer
Record UpdatedMay 12, 2020
Title CompanyNORTH FLORIDA TITLE COMPANY, NORTH FLORIDA TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1800 SUTHERLAND RD LYNN HAVEN FL 324445385, LYNN HAVEN, FL 32444-5385

Mortgage

Document Number42432191
DateApr 20, 2020
Book Page004243/002191
Instrument26761
Lender
NameSMARTBANK
TypeBank
AddressPIGEON FORGE, TN 37868-1910
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 19, 2050

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityLynn Haven City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$268,120 (+5.99%)$301,563 (+8.6%) Land $63,500 Building $238,063
2024$169.00 (+9.74%)
2023$154.00 (+10.79%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$252,975 (+3%)$277,677 (+11.46%) Land $48,755 Building $228,922
2022$139.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$245,607$249,127 Land $37,839 Building $211,288

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 325 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies325 in force
Nearby Flood Claims60 (1998–2021)
Claims Outside the SFHA27 of 60
Most Recent ClaimAug 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 RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
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 SystemLYNN HAVEN, CITY OF WATER SYSTEM
serves 23,380 people · EPA ID FL1030435
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionNov 2024
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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