322 Floyd Dr, Lynn Haven, FL 32444 Property Records

Bay County property record for 322 Floyd Dr, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,046 sqft · built 1976
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Sep 2025)
Tax Bill	$3,492 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11634-195-000`

Property Details

APN / Parcel Number

Primary APN	`11634-195-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,046 sqft Heated Area
Gross Area	2,667 sqft
1st Floor Area	2,046 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1996
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	166 ft deep x 92 ft wide
Garage Area	506 sqft
Driveway	Driveway
Driveway Area	1,056 sqft
Porch	Porch
Porch Area	115 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	322 FLOYD DR
City	LYNN HAVEN
State	FL
Zip	32444-4705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REPLAT OF BELAIRE ESTATES LOT 11 BLK D (103B3)
Legal Range	14W
Legal Township	03S
Legal Section	16
Legal Subdivision	BELAIRE ESTATES
Legal Block	D
Legal Lot Number	11
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	4
Census Block	4000
Census Tract	1404

Owner

322 Floyd Dr is owned by an individual who bought it in September 2025.

Source: Bay County records, as of January 23, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	220 MALL LN STE 2, 2, PANAMA CITY, FL 32403-5555
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 19, 2025	Warranty Deed, Transfer · VA Mortgage OPTIMUM FIRST INC
Oct 25, 2017	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Mar 22, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2025 · Amount on File
Deed Sale	Sep 19, 2025 · Amount on File
Prior Sale	Mar 22, 2017 · Amount on File
Deed Document Number	2025054424
Deed Book / Page	4954 / 1803
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	322 FLOYD DR, LYNN HAVEN, FL 32444-4705
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 FLOYD DR, LYNN HAVEN, FL 32444-4705

Mortgage

Document Number	0044381352
Date	Jul 26, 2021
Book Page	4438/1352
Instrument	2021056912

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 19, 2025
Property Address	322 FLOYD DR, LYNN HAVEN, FL 32444-4705
Document Number	0049541803
Book / Page	4954 / 1803
Map Reference	MB 11 PG 95
Instrument Date	Sep 9, 2025
Instrument	2025054424
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1208 BALDWIN ROWE CIR, PANAMA CITY, FL 32405-5894

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 MALL LN STE 2, 2, PANAMA CITY, FL 32403-5555

Mortgage

Document Number	0049541805
Date	Sep 19, 2025
Instrument	4954/1805

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	322 FLOYD DR, LYNN HAVEN, FL 32444-4705
Document Number	0039500867
Book / Page	003950 / 000867
Instrument Date	Oct 25, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	322 FLOYD DR LYNN HAVEN FL 324444705, LYNN HAVEN, FL 32444-4705

Mortgage

Document Number	0039500867
Date	Oct 30, 2017
Book Page	003950/000867
Instrument	62768

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 22, 2017
Property Address	322 FLOYD DR, LYNN HAVEN, FL 32444-4705
Document Number	0038841149
Book / Page	003884 / 001149
Instrument Date	Mar 17, 2017
Instrument	15692
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,372.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	239 HIDDEN PINES DR PANAMA CITY BEACH FL 324087457, PANAMA CITY BEACH, FL 32408-7457

Mortgage

Document Number	38841151
Date	Mar 22, 2017
Book Page	003884/001151
Instrument	15693

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 322 Floyd Dr was $3,492, down 2.6% from the year before.

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	$3,492.00 (-2.57%)	$232,139 (+4.7%) Land $46,883 Building $185,256	$232,139 (+4.7%) Land $46,883 Building $185,256
2024	$3,584.00 (+5.63%)	$221,721 (+4.94%) Land $46,883 Building $174,838	$221,721 (+4.94%) Land $46,883 Building $174,838
2023	$3,393.00 (+19.94%)	$211,292 (+12.05%) Land $43,056 Building $168,236	$211,292 (+12.05%) Land $43,056 Building $168,236
2022	$2,829.00	$188,561 Land $35,401 Building $153,160	$188,561 Land $35,401 Building $153,160

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 322 Floyd Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 37 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	45 (1998–2020)
Claims Outside the SFHA	42 of 45
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Michael, Oct 2018 · 26 claims Severe Storms And Flooding, Jul 2013 · 11 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

Wildfire risk around 322 Floyd Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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

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 233 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	1,000 / 75

May also be available: AT&T.

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