3038 Meadow St, Lynn Haven, FL 32444 Property Records

Bay County property record for 3038 Meadow St, Lynn Haven, FL 32444

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,204 sqft · built 2006
Lot Size	0.062 acres (2,726 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Jul 2019)
Tax Bill	$1,864 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11849-966-000`

Property Details

APN / Parcel Number

Primary APN	`11849-966-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,204 sqft Heated Area
Gross Area	1,654 sqft
1st Floor Area	1,204 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	2,726 sqft (0.062 acres)
Garage Area	252 sqft
Driveway	Driveway
Driveway Area	400 sqft

Exterior Amenities

Porch	Porch
Porch Area	198 sqft
Patio Area	80 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3038 MEADOW ST
City	LYNN HAVEN
State	FL
Zip	32444-5671
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	HAMMOCKS PHASE 7 LOT 26 BLK O ORB 4150 P 109
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	HAMMOCKS
Legal Phase	7
Legal Block	O
Legal Lot Number	26
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	4
Census Block	4017
Census Tract	1302

Owner

Source: Bay County records, as of January 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	3038 MEADOW ST, LYNN HAVEN, FL 32444-5671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2019 · Amount on Record
Deed Sale	Jul 26, 2019 · Amount on Record
Prior Sale	May 5, 2006 · Amount on Record
Deed Document Number	0004150109
Deed Book / Page	4150 / 109
Last Transfer Date	Jul 30, 2019
Transfer Doc	0041500109
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jul 30, 2019
Property Address	3038 MEADOW ST, LYNN HAVEN, FL 32444-5671
Document Number	0041500109
Book / Page	004150 / 000109
Instrument Date	Jul 26, 2019
Instrument	68339
Transaction Type	Transfer
Record Updated	Sep 12, 2019
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,183.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3038 MEADOW ST LYNN HAVEN FL 324445671, LYNN HAVEN, FL 32444-5671

Mortgage

Document Number	41500111
Date	Jul 30, 2019
Book Page	004150/000111
Instrument	68340

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2049

Mortgage

Document Number	41500130,
Date	Jul 30, 2019
Book Page	004150/000130
Instrument	68341

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount Recorded

Interest

Rate	2%

Tax Assessment & Valuation

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

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	$1,864.00 (+2.03%) Homeowner's exemption	$165,520 (+5.99%)	$196,374 (+7.35%) Land $36,400 Building $159,974
2023	$1,827.00 (+10.19%) Homeowner's exemption	$156,170 (+3%)	$182,921 (+15.38%) Land $33,000 Building $149,921
2022	$1,658.00 Homeowner's exemption	$151,621	$158,537 Land $21,800 Building $136,737

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 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 Record median of 67 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	67 in force
Nearby Flood Claims	20 (1984–2021)
Claims Outside the SFHA	8 of 20
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Michael, Oct 2018 · 10 claims Severe Storms And Flooding, Jul 2013 · 2 claims Hurricane Opal, Oct 1995 · 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 Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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	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 167 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

May also be available: AT&T.

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