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351 Bell Cir, Lynn Haven, FL 32444 Property Records

Bay County property record for 351 Bell Cir, Lynn Haven, FL 32444

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,223 sqft · built 1983
Lot Size0.285 acres (12,458 sqft)
Owner2 Individual Names on Record
Last Sale$105,000 (Aug 1997)
Tax Bill$1,853 (2025)
Deeds & MortgagesApr 2026 Line of Credit
Flood ZoneZone X (minimal risk)
APN11634-462-000

Property Details

APN / Parcel Number

Primary APN11634-462-000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,223 sqft Heated Area
Gross Area2,889 sqft
1st Floor Area1,848 sqft
2nd Floor Area375 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1993
Exterior MaterialWood Siding
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area12,458 sqft (0.285 acres)
Lot Dimensions130 ft deep x 96 ft wide
Garage Area420 sqft
PorchPorch
Porch Area246 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address351 BELL CIR
CityLYNN HAVEN
StateFL
Zip32444-4629
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionREPLAT OF BELAIRE EST UNIT 1 LOT 17 BLK E (103B3)
Legal Range14W
Legal Township03S
Legal Section16
Legal SubdivisionBELAIE ESTATES UN 01
Legal BlockE
Legal Lot Number17
Legal Unit1
JurisdictionBAY FL
Township / Civil DivisionLYNN HAVEN
Census Block Group4
Census Block4005
Census Tract1404

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address351 BELL CIR, LYNN HAVEN, FL 32444-4629
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 20, 1997 · Amount on Record
Deed SaleAug 20, 1997 · Amount on Record
Deed Document Number0017311486
Record UpdatedJun 8, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Recording DateApr 1, 2026
Property Address351 BELL CIR, LYNN HAVEN, FL 32444-4629
Document Number0000019446
Book / Page5019 / 750
Instrument DateMar 16, 2026
Instrument202619446
Transaction TypeMortgage
Record UpdatedJul 13, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address351 BELL CIR, LYNN HAVEN, FL 32444-4629
InvestorPossibly a Property Investor

Mortgage

Document Number0000019446,
DateApr 1, 2026
Book Page5019/750
Instrument202619446
Lender
NameREGIONS BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueApr 10, 2056
Interest
Rate6.09%
Max Rate-1%

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$1,853.00 (+1.98%) Homeowner's exemption$164,772 (+5.99%)$213,636 (+10.11%) Land $45,158 Building $168,478
2023$1,817.00 (+10.25%) Homeowner's exemption$155,464 (+3%)$194,026 (+12.13%) Land $41,472 Building $152,554
2022$1,648.00 Homeowner's exemption$150,936$173,041 Land $34,099 Building $138,942

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 37 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies37 in force
Nearby Flood Claims45 (1998–2020)
Claims Outside the SFHA42 of 45
Most Recent ClaimOct 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

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% 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 233 locations within half a mile, as of December 31, 2025

ProviderMax 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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