3101 E 12th St, Lynn Haven, FL 32444 Property Records

Bay County property record for 3101 E 12th St, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,222 sqft · built 1990
Lot Size	0.514 acres (22,389 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,500 (Mar 2020)
Tax Bill	$3,263 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11274-022-000`

Property Details

APN / Parcel Number

Primary APN	`11274-022-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,222 sqft Living Area
Gross Area	2,726 sqft
1st Floor Area	2,222 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	22,389 sqft (0.514 acres)
Lot Dimensions	200 ft deep x 112 ft wide
Garage Type	Attached
Garage Area	504 sqft
Driveway	Driveway
Driveway Area	1,080 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	25 sqft
Deck Area	310 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3101 E 12TH ST
City	LYNN HAVEN
State	FL
Zip	32444-3174
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	11 3S 14W -6.6A- 115C ST A B DEV CO PLAT GEG 112 W OF INT. WEST R/W HARVARD BLVD. & N R/W 12TH ST FOR POB TH W 112 N 200 E 112 S 200 TO POB AKA LOT 5 HARRIS UNRC. ADD ORB 4236 P 1913
Legal Range	14W
Legal Township	03S
Legal Section	11
Legal Subdivision	ST A B DEV CO PLAT
Legal Lot Number	5
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 5, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3101 E 12TH ST, LYNN HAVEN, FL 32444-3174
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 26, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS
Aug 12, 2019	Warranty Deed, Transfer OMEGA TITLE FLORIDA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2020 · Amount on Record
Deed Sale	Mar 26, 2020 · Amount on Record
Prior Sale	Aug 12, 2019 · Amount on Record
Deed Document Number	202022226
Deed Book / Page	4236 / 1913
Prior Transfer Date	Apr 30, 2013
Prior Transfer Doc	0035110838
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3101 E 12TH ST, LYNN HAVEN, FL 32444-3174
Transaction Type	Mortgage
Record Updated	May 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3101 E 12TH ST, LYNN HAVEN, FL 32444-3174

Mortgage

Document Number	0047922226
Date	Apr 17, 2024
Book Page	4792/2226
Instrument	2024021979

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 26, 2020
Property Address	3101 E 12TH ST, LYNN HAVEN, FL 32444-3174
Document Number	0042361913
Book / Page	004236 / 001913
Instrument Date	Mar 24, 2020
Instrument	22226
Transaction Type	Transfer
Record Updated	Apr 16, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,670.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3101 E 12TH ST LYNN HAVEN FL 324443174, LYNN HAVEN, FL 32444-3174

Mortgage

Document Number	42361916
Date	Mar 26, 2020
Book Page	004236/001916
Instrument	22228

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 12, 2019
Property Address	3101 E 12TH ST, LYNN HAVEN, FL 32444-3174
Document Number	0041541785
Book / Page	4154 / 1785
Instrument Date	Aug 7, 2019
Instrument	2019071808
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	OMEGA TITLE FLORIDA LLC

Transaction

Amount	Amount Recorded
Tax	$1,542.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	229 BILTMORE PL, 229, PANAMA CITY BEACH, FL 32413-2822

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8101 BISCAYNE BLVD APT 515, 515, MIAMI, FL 33138-4667
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

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	$3,263.00 (+1.08%)	$263,707 (+12.59%) Land $72,128 Building $191,579	$263,707 (+12.59%) Land $72,128 Building $191,579
2024	$3,228.00 (+8.58%)
2023	$2,973.00 (+16.59%)	$234,228 (+7.74%) Land $70,560 Building $163,668	$234,228 (+7.74%) Land $70,560 Building $163,668
2022	$2,550.00	$217,408 Land $64,960 Building $152,448	$217,408 Land $64,960 Building $152,448

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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