2205 E 12th St, Lynn Haven, FL 32444 Property Records

Bay County property record for 2205 E 12th St, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,501 sqft · built 1978
Lot Size	0.416 acres (18,120 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Jun 2026)
Tax Bill	$3,422 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11307-021-000`

Property Details

APN / Parcel Number

Primary APN	`11307-021-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,501 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	1,501 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2018
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	18,120 sqft (0.416 acres)
Lot Dimensions	150 ft deep x 121 ft wide
Garage Type	Attached
Garage Area	299 sqft
Driveway	Driveway
Driveway Area	660 sqft
Pool Area	612 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2205 E 12TH ST
City	LYNN HAVEN
State	FL
Zip	32444-3153
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COLLEGE POINT ESTATES UNIT 1 W 73 OF LOT 30 & E 48 LOT 31 ORB 4659 P 1394 M-115C (30.1)
Legal Range	14W
Legal Township	03S
Legal Section	11
Legal Subdivision	COLLEGE POINT ESTATES
Legal Lot Number	30,31
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2015
Census Tract	1402

Owner

Source: Bay County records, as of June 23, 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	2205 E 12TH ST, LYNN HAVEN, FL 32444-3153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 23, 2023	Warranty Deed, Transfer · VA Mortgage NORTHPOINTE BANK
Jul 28, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 5, 2020	Warranty Deed, Transfer KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on Record
Deed Sale	Jun 2, 2026 · Amount on Record
Prior Sale	Feb 23, 2023 · Amount on Record
Deed Document Number	202632963
Deed Book / Page	5040 / 1514
Prior Transfer Date	Jul 22, 2020
Prior Transfer Doc	0042791261
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 2, 2026
Property Address	2205 E 12TH ST, LYNN HAVEN, FL 32444-3153
Document Number	0050401514
Book / Page	5040 / 1514
Instrument Date	May 29, 2026
Instrument	202632963
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	FLORIDA LEGAL TITLE LLC, FLORIDA LEGACY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236,845.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 E 12TH ST, LYNN HAVEN, FL 32444-3153

Mortgage

Document Number	0000032964,
Date	Jun 2, 2026
Book Page	5040/1516
Instrument	202632964

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 23, 2023
Property Address	2205 E 12TH ST, LYNN HAVEN, FL 32444-3153
Document Number	0046591394
Book / Page	4659 / 1394
Map Reference	MB 10 PG 9
Instrument Date	Feb 21, 2023
Instrument	2023010579
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	SOUTH OAK TITLE SRB

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1418 W 23RD ST, PANAMA CITY, FL 32405-2904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 E 12TH ST, LYNN HAVEN, FL 32444-3153

Mortgage

Document Number	0046591396
Date	Feb 23, 2023
Book Page	4659/1396
Instrument	2023010580

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Jul 28, 2020
Property Address	2205 E 12TH ST, LYNN HAVEN, FL 32444-3153
Document Number	0042791261
Book / Page	004279 / 001261
Instrument Date	Jul 22, 2020
Instrument	49048
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1418 W 23RD ST #200 LYNN HAVEN FL 32444, 200, LYNN HAVEN, FL 32444

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 5, 2020
Property Address	2205 E 12TH ST, LYNN HAVEN, FL 32444-3153
Document Number	0042190528
Book / Page	004219 / 000528
Instrument Date	Feb 4, 2020
Instrument	9555
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Transaction

Amount	Amount Recorded
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1418 W 23RD ST #200 PANAMA CITY FL 324052904, 200, PANAMA CITY, FL 32405-2904

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,422.00 (+7.61%)	$273,365 (+81.29%) Land $72,600 Building $200,765	$273,365 (+81.29%) Land $72,600 Building $200,765
2024	$3,180.00 (+99.25%)
2023	$1,596.00 (+15.07%)	$150,792 (+6.6%) Land $56,628 Building $94,164	$150,792 (+6.6%) Land $56,628 Building $94,164
2022	$1,387.00	$141,460 Land $55,660 Building $85,800	$141,460 Land $55,660 Building $85,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 242 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	242 in force
Nearby Flood Claims	107 (1985–2023)
Claims Outside the SFHA	53 of 107
Most Recent Claim	Jul 2023 · rainfall accumulation
Claims by Event	Tropical Storm Fred, Aug 2021 · 10 claims Hurricane Michael, Oct 2018 · 47 claims Hurricane Opal, Oct 1995 · 14 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	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	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	BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 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	None 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 361 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
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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