3602 Bay Tree Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 3602 Bay Tree Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,228 sqft · built 2005
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Jun 2022)
Tax Bill	$169 (2024)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11849-842-000`

Property Details

APN / Parcel Number

Primary APN	`11849-842-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,228 sqft Heated Area
Gross Area	2,866 sqft
1st Floor Area	2,228 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,000 sqft (0.206 acres)
Garage Area	484 sqft
Driveway	Driveway
Driveway Area	640 sqft

Exterior Amenities

Porch	Porch
Porch Area	154 sqft
Patio Area	84 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3602 BAY TREE RD
City	LYNN HAVEN
State	FL
Zip	32444-5655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMMOCKS PHASE 6 LOT 3 BLK H ORB 4570 P 2287
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	HAMMOCKS
Legal Phase	6
Legal Block	H
Legal Lot Number	3
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	5
Census Block	5013
Census Tract	1302

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3602 BAY TREE RD, LYNN HAVEN, FL 32444-5655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Warranty Deed, Transfer · VA Mortgage EVERETT FINANCIAL INC
Feb 4, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Prior Sale	Aug 23, 2013 · Amount on Record
Deed Document Number	2022041340
Deed Book / Page	4570 / 2287
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 1, 2022
Property Address	3602 BAY TREE RD, LYNN HAVEN, FL 32444-5655
Document Number	0045702287
Book / Page	4570 / 2287
Map Reference	MB 20 PG 10
Instrument Date	May 26, 2022
Instrument	2022041340
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27720 KIRKWOOD CIR, 27720, WESLEY CHAPEL, FL 33544-8725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3602 BAY TREE RD, LYNN HAVEN, FL 32444-5655

Mortgage

Document Number	0045702289
Date	Jun 1, 2022
Instrument	4570/2289

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3602 BAY TREE RD, LYNN HAVEN, FL 32444-5655
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042180634
Date	Feb 4, 2020
Book Page	4218/0634
Instrument	2020008720

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3602 BAY TREE RD, LYNN HAVEN, FL 32444-5655
Document Number	0040840192
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3602 BAY TREE RD LYNN HAVEN FL 324445655, LYNN HAVEN, FL 32444-5655

Mortgage

Document Number	0040840192
Date	Jan 29, 2019
Book Page	004084/000192
Instrument	11107

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2049

Tax Assessment & Valuation

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		$341,144 (+0.17%) Land $54,360 Building $286,784	$341,144 (+0.17%) Land $54,360 Building $286,784
2024	$169.00 (-96.34%)
2023	$4,615.00 (+88.52%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$340,576 (+68.43%) Land $47,475 Building $293,101	$340,576 (+55.4%) Land $47,475 Building $293,101
2022	$2,448.00 Homeowner's exemption	$202,204	$219,166 Land $43,435 Building $175,731

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 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 Record 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

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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