305 E 13th St, Lynn Haven, FL 32444 Property Records

Bay County property record for 305 E 13th St, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,642 sqft · built 2023
Lot Size	0.171 acres (7,492 sqft)
Owner	Company Name on File
Last Sale	$100,000 (Feb 2024)
Tax Bill	$3,880 (2025)
Deeds & Mortgages	Feb 2024 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10079-000-000`

Property Details

APN / Parcel Number

Primary APN	`10079-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,642 sqft Heated Area
Gross Area	2,200 sqft
1st Floor Area	960 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,492 sqft (0.171 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Driveway	Driveway
Driveway Area	512 sqft

Exterior Amenities

Porch	Porch
Porch Area	81 sqft
Patio Area	120 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	305 E 13TH ST
City	LYNN HAVEN
State	FL
Zip	32444-2619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LYNN HAVEN E1/2 LOTS 19, 20 BLK 219 ORB 4770 P 1741
Legal Range	14W
Legal Township	03S
Legal Section	09
Legal Subdivision	LYNN HAVEN
Legal Block	219
Legal Lot Number	19,20 20
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	4
Census Block	4019
Census Tract	1402

Owner

Source: Bay County records · APN 10079-000-000

Assessment roll updated July 1, 2025 · Last verified February 2026

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

Owner of Record	Company Name on File
Mailing Address	237 E BALDWIN RD STE 101, 101, PANAMA CITY, FL 32405-4463
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 05, 2024 · Amount on Record
Deed Sale	Feb 05, 2024 · Amount on Record
Prior Sale	Feb 06, 2018 · Amount on Record
Deed Document Number	2024006224
Deed Book / Page	4770 / 1741
Record Updated	Jun 08, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Feb 05, 2024
Property Address	305 E 13TH ST, LYNN HAVEN, FL 32444-2619
Document Number	0047701741
Book / Page	4770 / 1741
Map Reference	MB 5 PG 9
Instrument Date	Feb 02, 2024
Instrument	2024006224
Transaction Type	Transfer
Record Updated	Feb 26, 2024

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1869, LYNN HAVEN, FL 32444-5869

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 E BALDWIN RD STE 101, 101, PANAMA CITY, FL 32405-4463

Mortgage

Document Number	0047701746
Date	Feb 05, 2024
Book Page	4770/1746
Instrument	2024006226

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 02, 2039

Interest

Rate	6.75%

Tax Assessment & Valuation

Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,880.00 (+563.25%)	$257,927 (+654.83%) Land $33,469 Building $224,458	$257,927 (+654.83%) Land $33,469 Building $224,458
2023	$585.00 (-5.19%)	$34,170 (+5.1%) Land $34,170	$34,170 (+5.1%) Land $34,170
2022	$617.00	$32,512 Land $32,512	$32,512 Land $32,512

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), as of September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050014024, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	34 (1998–2026)
Claims Outside the SFHA	34 of 34
Most Recent Claim	Jan 2026 · other causes
Claims by Event	Tropical Storm Fred, Aug 2021 · 2 claims Hurricane Michael, Oct 2018 · 15 claims Severe Storms And Flooding, Jul 2013 · 6 claims

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 302 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL1030435, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.