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3031 E 12th St, Lynn Haven, FL 32444 Property Records

Bay County property record for 3031 E 12th St, Lynn Haven, FL 32444

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,210 sqft · built 1999
Lot Size0.573 acres (24,960 sqft)
OwnerIndividual Name on Record
Last Sale$440,000 (Feb 2026)
Tax Bill$2,144 (2025)
Deeds & MortgagesFeb 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN11274-027-000

Property Details

APN / Parcel Number

Primary APN11274-027-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,210 sqft Heated Area
Gross Area2,698 sqft
1st Floor Area2,210 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2009
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area24,960 sqft (0.573 acres)
Lot Dimensions119 ft deep x 210 ft wide
Garage TypeDetached
Garage Area440 sqft
DrivewayDriveway
Driveway Area850 sqft
PorchPorch
Porch Area48 sqft
Patio Area192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3031 E 12TH ST
CityLYNN HAVEN
StateFL
Zip32444-3144
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description11 3S 14W -6.8- 115C BEG 456' W OF INTER OF W R/W LI OF HARVARD BLVD & N R/W LI
Legal Range14W
Legal Township03S
Legal Section11
Legal SubdivisionHARRIS ADD
Legal Lot Number8
JurisdictionBAY FL
Township / Civil DivisionLYNN HAVEN
Census Block Group2
Census Block2035
Census Tract1402

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address3031 E 12TH ST, LYNN HAVEN, FL 32444-3144
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 12, 2026 · Amount on Record
Deed SaleFeb 12, 2026 · Amount on Record
Prior SaleJan 14, 2003 · Amount on Record
Deed Document Number2026008516
Deed Book / Page5001 / 1339
Record UpdatedJun 8, 2026

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateFeb 12, 2026
Property Address3031 E 12TH ST, LYNN HAVEN, FL 32444-3144
Document Number0050011339
Book / Page5001 / 1339
Map ReferenceMB 10 PG 9
Instrument DateFeb 12, 2026
Instrument2026008516
Transaction TypeTransfer
Record UpdatedMar 6, 2026
Title CompanyFLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,080.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3880 RED DEER CIR, PANAMA CITY, FL 32404-3176

Transferred To (Grantee/Buyer)

NameVerified Name
Address3031 E 12TH ST, LYNN HAVEN, FL 32444-3144

Mortgage

Document Number0050011341
DateFeb 12, 2026
Instrument5001/1341
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2056

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,144.00 (+3.93%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$217,929 (+5.99%)$334,129 (+1.4%) Land $110,897 Building $223,232
2023$2,063.00 (+88.4%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$205,618 (+52.88%)$329,521 (+75.51%) Land $108,486 Building $221,035
2022$1,095.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$134,499$187,749 Land $99,876 Building $87,873

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 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 242 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies242 in force
Nearby Flood Claims107 (1985–2023)
Claims Outside the SFHA53 of 107
Most Recent ClaimJul 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 RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemBAY COUNTY WATER SYSTEM
serves 40,848 people · EPA ID FL1030050
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

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

ProviderMax 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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