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  5. Cherry Ridge Rd

3446 Cherry Ridge Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 3446 Cherry Ridge Rd, Lynn Haven, FL 32444

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,054 sqft · built 2003
Lot Size0.194 acres (8,454 sqft)
Owner2 Individual Names on Record
Last Sale$254,000 (Oct 2016)
Tax Bill$169 (2024)
Deeds & MortgagesFeb 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN11849-473-000

Property Details

APN / Parcel Number

Primary APN11849-473-000

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,054 sqft Heated Area
Gross Area2,656 sqft
1st Floor Area2,054 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2007
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area8,454 sqft (0.194 acres)
Garage Area420 sqft
DrivewayDriveway
Driveway Area774 sqft

Exterior Amenities

PorchPorch
Porch Area182 sqft
Patio Area245 sqft
Shed1 Shed
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3446 CHERRY RIDGE RD
CityLYNN HAVEN
StateFL
Zip32444-5640
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHAMMOCKS PHASE II LOT 32 BLK C ORB 3845 P 583
Legal Range14W
Legal Township03S
Legal Section22
Legal SubdivisionHAMMOCKS PHASE II
Legal Phase2
Legal BlockC
Legal Lot Number32
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group5
Census Block5013
Census Tract1302

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address3446 CHERRY RIDGE RD, LYNN HAVEN, FL 32444-5640
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 31, 2016 · Amount on Record
Deed SaleOct 31, 2016 · Amount on Record
Prior SaleNov 14, 2011 · Amount on Record
Deed Document Number2016060496
Deed Book / Page3845 / 0583
Record UpdatedJun 8, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address3446 CHERRY RIDGE RD, LYNN HAVEN, FL 32444-5640
Transaction TypeMortgage
Record UpdatedFeb 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3446 CHERRY RIDGE RD, LYNN HAVEN, FL 32444-5640

Mortgage

Document Number0045180506
DateFeb 1, 2022
Book Page4518/506
Instrument2022007399
Lender
NameVILLAGE CAPITAL & INVESTMENT LLC
TypeMortgage Company
AddressHENDERSON, NV 89074
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBay County
MunicipalityLynn Haven City
Unified School DistrictBay County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$242,159 (+0.96%)$244,426 (+1.9%) Land $54,360 Building $190,066
2024$169.00 (-95.54%)
2023$3,786.00 (+2,623.74%)$239,864 (+8.13%) Land $47,475 Building $192,389$239,864 (+8.13%) Land $47,475 Building $192,389
2022$139.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$221,825 Land $43,435 Building $178,390$221,825 Land $43,435 Building $178,390

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 115 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies115 in force
Nearby Flood Claims5 (2018)
Claims Outside the SFHA3 of 5
Most Recent ClaimOct 2018 · Hurricane Michael
Claims by Event
  • Hurricane Michael, Oct 2018 · 5 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 RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemLYNN HAVEN, CITY OF WATER SYSTEM
serves 23,380 people · EPA ID FL1030435
Water SourcePurchased surface water from BAY COUNTY WATER SYSTEM
Last State InspectionNov 2024
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 365 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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