3039 E 12th St, Lynn Haven, FL 32444 Property Records

Bay County property record for 3039 E 12th St, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,834 sqft · built 1989
Lot Size	0.514 acres (22,390 sqft)
Owner	2 Owner Names on Record
Last Sale	$158,000 (May 2010)
Tax Bill	$2,328 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Apr 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11274-023-000`

Property Details

APN / Parcel Number

Primary APN	`11274-023-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,834 sqft Heated Area
Gross Area	2,633 sqft
1st Floor Area	1,834 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	22,390 sqft (0.514 acres)
Lot Dimensions	200 ft deep x 112 ft wide
Garage Area	584 sqft
Porch	Porch
Porch Area	127 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3039 E 12TH ST
City	LYNN HAVEN
State	FL
Zip	32444-3144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 3S 14W -6.7- 115C ST A B DEV CO PLAT BEG 224' W OF INT OF W R/W LI
Legal Range	14W
Legal Township	03S
Legal Section	11
Legal Subdivision	HARRIS ADD/COLLEGE POINT
Legal Lot Number	6
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2035
Census Tract	1402

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	2 Owner Names on Record
Mailing Address	3039 E 12TH ST, LYNN HAVEN, FL 32444-3144
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Apr 19, 2017	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU
Jun 29, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2010 · Amount on Record
Deed Sale	May 25, 2010 · Amount on Record
Prior Sale	Jan 20, 2010
Deed Document Number	2010025922
Deed Book / Page	3241 / 2082
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3039 E 12TH ST, LYNN HAVEN, FL 32444-3144
Transaction Type	Mortgage
Record Updated	Apr 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042250700
Date	Feb 24, 2020
Book Page	4225/700
Instrument	2020014102

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3039 E 12TH ST, LYNN HAVEN, FL 32444-3144
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038930749
Date	Apr 19, 2017
Book Page	3893/0749
Instrument	2017022121

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3039 E 12TH ST, LYNN HAVEN, FL 32444-3144
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042680595
Date	Jun 29, 2020
Book Page	4268/595
Instrument	2020042252

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

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

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	$2,328.00 (+3.84%) Homeowner's exemption	$227,808 (+5.99%)	$258,010 (+1.91%) Land $72,128 Building $185,882
2023	$2,242.00 (+11.6%) Homeowner's exemption	$214,940 (+3%)	$253,177 (+7.46%) Land $70,560 Building $182,617
2022	$2,009.00 Homeowner's exemption	$208,680	$235,593 Land $64,960 Building $170,633

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 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 165 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

May also be available: AT&T.

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