345 Bell Cir, Lynn Haven, FL 32444 Property Records

Bay County property record for 345 Bell Cir, Lynn Haven, FL 32444 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,067 sqft · built 1981
Lot Size	0.301 acres (13,112 sqft)
Owner	Company Name on File
Last Sale	$82,500 (Jul 1990)
Tax Bill	$91 (2024)
Deeds & Mortgages	Aug 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`11634-456-000`

Property Details

APN / Parcel Number

Primary APN	`11634-456-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,067 sqft Heated Area
Gross Area	2,842 sqft
1st Floor Area	2,067 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	13,112 sqft (0.301 acres)
Lot Dimensions	130 ft deep x 101 ft wide
Garage Area	440 sqft

Exterior Amenities

Porch	Porch
Porch Area	335 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	345 BELL CIR
City	LYNN HAVEN
State	FL
Zip	32444-4629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REPLAT OF BELAIRE EST UNIT 1 LOT 14 BLK E ORB 1282 P 1703
Legal Range	14W
Legal Township	03S
Legal Section	16
Legal Subdivision	BELAIRE ESTATES UN ONE
Legal Block	E
Legal Lot Number	14
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	4
Census Block	4005
Census Tract	1404

Owner

Source: Bay County records · APN 11634-456-000

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	2530 JENKS AVE, PANAMA CITY, FL 32405-4310
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 31, 1990 · Amount on Record
Deed Sale	Jul 31, 1990 · Amount on Record
Deed Document Number	0012821703
Record Updated	Jun 08, 2026

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	345 BELL CIR, LYNN HAVEN, FL 32444-4629
Document Number	0039330167
Book / Page	003933 / 000167
Instrument Date	Aug 21, 2017
Transaction Type	Mortgage
Record Updated	Sep 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2530 JENKS AVE PANAMA CITY FL 324054310, PANAMA CITY, FL 32405-4310

Mortgage

Document Number	0039330167
Date	Aug 31, 2017
Book Page	003933/000167
Instrument	50056

Lender

Name	WELS CHURCH EXTENSION FNDG
Type	Funding / Finance Company
Address	WAUKESHA, WI 53188-1108

Agreement

Amount	Amount Recorded

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$191,517 (+9.82%) Land $47,510 Building $144,007	$191,517 (+9.82%) Land $47,510 Building $144,007
2024	$91.00 (+9.64%)
2023	$83.00 (+16.9%) Additional exemption filed	$174,391 (+12.55%) Land $43,632 Building $130,759	$174,391 (+12.55%) Land $43,632 Building $130,759
2022	$71.00 Additional exemption filed	$154,939 Land $35,875 Building $119,064	$154,939 Land $35,875 Building $119,064

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050014044, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 37 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 in force 22 of 37 on primary residences
Nearby Flood Claims	45 (1998–2020)
Claims Outside the SFHA	42 of 45
Most Recent Claim	Oct 2020, rainfall accumulation
Flood Events	Hurricane Sally (Sep 2020), 2 claims Hurricane Michael (Oct 2018), 26 claims Severe Storms And Flooding (Jul 2013), 11 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.