2415 Willow Ln, Lynn Haven, FL 32444 Property Records

Bay County property record for 2415 Willow Ln, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,757 sqft · built 1993
Lot Size	0.352 acres (15,333 sqft)
Owner	Individual Name on File
Last Sale	$389,000 (Mar 2020)
Tax Bill	$4,854 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`08731-509-000`

Property Details

APN / Parcel Number

Primary APN	`08731-509-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,757 sqft Living Area
Gross Area	3,263 sqft
1st Floor Area	2,757 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	15,333 sqft (0.352 acres)
Lot Dimensions	160 ft deep x 96 ft wide
Garage Type	Attached
Garage Area	506 sqft
Driveway	Driveway

Exterior Amenities

Pool Area	648 sqft
Porch	Open Porch
Porch Area	353 sqft
Patio Area	400 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2415 WILLOW LN
City	LYNN HAVEN
State	FL
Zip	32444-5121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UND
Legal Description	WILLOW LAKE SUB ALL LOTS 8 & 9 & PT LOT 7 & PART OF TRACT B AKA COM AT SW COR OF LOT 66 TROPICAL BAY W 53.05 TO SLY R/W OF COUNTRY CLUB DR SWLY 32.93 SWLY 70.89 SWLY 169.29 WLY 44.79 SWLY 169.80 SWLY 115.20 SWLY 91.41 NWLY 130.67 FOR POB TH SELY 130.
Legal Range	14W
Legal Township	03S
Legal Section	03
Legal Subdivision	WILLOW LAKE SUB
Legal Tract	B
Legal Lot Number	7,8
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	1
Census Block	1003
Census Tract	1402

Owner

2415 Willow Ln is owned and occupied by an individual who bought it in March 2020.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	2415 WILLOW LN, LYNN HAVEN, FL 32444-5121
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2020 · Amount on File
Deed Sale	Mar 27, 2020 · Amount on File
Deed Document Number	202022570
Deed Book / Page	4237 / 813
Prior Transfer Date	Dec 16, 2002
Prior Transfer Doc	0022220912
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 27, 2020
Property Address	2415 WILLOW LN, LYNN HAVEN, FL 32444-5121
Document Number	0042370813
Book / Page	004237 / 000813
Instrument Date	Mar 17, 2020
Instrument	22570
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,723.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2415 WILLOW LN LYNN HAVEN FL 324445121, LYNN HAVEN, FL 32444-5121

Mortgage

Document Number	42370816
Date	Mar 27, 2020
Book Page	004237/000816
Instrument	22571

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2415 Willow Ln was $4,854 with a homeowner's exemption, down 2% 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	$4,854.00 (-2%) Homeowner's exemption	$364,309	$441,742 Land $163,350 Building $278,392
2024	$4,953.00 (+2.87%)
2023	$4,815.00 (+11.36%) Homeowner's exemption	$343,730 (+3%)	$436,117 (+30.68%) Land $161,965 Building $274,152
2022	$4,324.00 Homeowner's exemption	$333,718 Land $98,880 Building $234,838	$333,718 Land $98,880 Building $234,838

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

Flood

FEMA maps place 2415 Willow Ln in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 121 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	121 in force
Nearby Flood Claims	88 (1995–2021)
Claims Outside the SFHA	40 of 88
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 45 claims Severe Storms And Flooding, Jul 2013 · 4 claims Hurricane Opal, Oct 1995 · 24 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 2415 Willow Ln is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.05% 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 152 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
T-Mobile Fixed Wireless	100 / 20

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