Bay County property record for 2324 Raintree Pl, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,168 sqft · built 1985 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Last Sale | $435,000 (Oct 2025) |
| Tax Bill | $1,469 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11300-393-000 |
| Primary APN | 11300-393-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,168 sqft Heated Area |
| Gross Area | 2,776 sqft |
| 1st Floor Area | 2,168 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 640 sqft |
| Pool Area | 544 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 164 sqft |
| Deck Area | 120 sqft |
| Patio Area | 1,512 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2324 RAINTREE PL |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-4902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | DERBY WOODS LOT 4 BLK J ORB 1344 P 1019 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 11 |
| Legal Subdivision | DERBY WOODS |
| Legal Block | J |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 1402 |
2324 Raintree Pl is owned and occupied by an individual who bought it in October 2025.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3111 WOOD VALLEY RD, PANAMA CITY, FL 32405-4234 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2025 · Amount on File |
| Deed Sale | Oct 14, 2025 · Amount on File |
| Deed Document Number | 2025059501 |
| Deed Book / Page | 4962 / 1835 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 14, 2025 |
| Property Address | 2324 RAINTREE PL, LYNN HAVEN, FL 32444-4902 |
| Document Number | 0049621835 |
| Book / Page | 4962 / 1835 |
| Map Reference | MB 13 PG 16&17 |
| Instrument Date | Sep 25, 2025 |
| Instrument | 2025059501 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | DEFENDER T&E AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,045.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 201 LAKERIDGE DR, PANAMA CITY, FL 32405-4268 |
| Name | Verified Name |
|---|---|
| Address | 3111 WOOD VALLEY RD, PANAMA CITY, FL 32405-4234 |
| Document Number | 0049621837 |
|---|---|
| Date | Oct 14, 2025 |
| Instrument | 4962/1837 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
The 2025 property tax bill for 2324 Raintree Pl was $1,469 with exemptions applied, up 1% from the year before.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,469.00 (+1.03%) Homeowner's exemption Widower's exemption | $163,401 (+2.9%) | $207,484 (+3.35%) Land $52,600 Building $154,884 |
| 2024 | $1,454.00 (+2.54%) Homeowner's exemption Widower's exemption | $158,796 (+3%) | $200,763 (+7.46%) Land $54,500 Building $146,263 |
| 2023 | $1,418.00 (+7.26%) Homeowner's exemption Widower's exemption | $154,171 (+3%) | $186,818 (+11.54%) Land $39,540 Building $147,278 |
| 2022 | $1,322.00 Homeowner's exemption Widower's exemption | $149,681 | $167,488 Land $33,000 Building $134,488 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2324 Raintree Pl in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 2324 Raintree Pl 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 97% of the US · lower than 96% 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.
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 |
| 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.
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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