3472 Cherry Ridge Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 3472 Cherry Ridge Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,853 sqft · built 2005
Lot Size	0.199 acres (8,678 sqft)
Owner	2 Owner Names on File
Last Sale	$225,000 (Apr 2005)
Tax Bill	$3,580 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11849-841-000`

Property Details

APN / Parcel Number

Primary APN	`11849-841-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,853 sqft Heated Area
Gross Area	2,536 sqft
1st Floor Area	1,853 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	8,678 sqft (0.199 acres)
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	738 sqft

Exterior Amenities

Porch	Porch
Porch Area	242 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3472 CHERRY RIDGE RD
City	LYNN HAVEN
State	FL
Zip	32444-5640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMMOCKS PHASE 6 LOT 2 BLK H ORB 2477 P 883 ORB 2586
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	HAMMOCKS
Legal Phase	6
Legal Block	H
Legal Lot Number	2
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	5
Census Block	5013
Census Tract	1302

Owner

The current owner of 3472 Cherry Ridge Rd bought it in April 2005.

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

Owner of Record	2 Owner Names on File
Mailing Address	104 ROWE LN, WOODSTOCK, GA 30188-2122

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
Nov 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRIDENT HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2005 · Amount on File
Deed Sale	Apr 15, 2005 · Amount on File
Prior Sale	Apr 1, 2005 · Amount on File
Deed Document Number	2005-028959
Deed Book / Page	2593 / 2041
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3472 CHERRY RIDGE RD, LYNN HAVEN, FL 32444-5640
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039541017
Date	Nov 13, 2017
Book Page	3954/1017
Instrument	2017065676

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3472 CHERRY RIDGE RD, LYNN HAVEN, FL 32444-5640
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 ORANGE SHOALS DR, CANTON, GA 30115-8555

Mortgage

Document Number	0044510222
Date	Aug 24, 2021
Book Page	4451/222
Instrument	2021064874

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company
Address	PENSACOLA, FL 32504

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 3472 Cherry Ridge Rd was $3,580.

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	$3,580.00	$238,014 Land $54,360 Building $183,654	$238,014 Land $54,360 Building $183,654
2023	$3,461.00 (+20.26%)	$233,888 (+20.49%) Land $47,475 Building $186,413	$233,888 (+20.49%) Land $47,475 Building $186,413
2022	$2,878.00	$194,122 Land $43,435 Building $150,687	$194,122 Land $43,435 Building $150,687

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

Flood

FEMA maps place 3472 Cherry Ridge Rd 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 115 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	5 (2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Oct 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

Wildfire risk around 3472 Cherry Ridge Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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	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 365 locations within half a mile, as of December 31, 2025

Provider	Max 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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