Bay County property record for 3602 Willow Ridge Rd, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,404 sqft · built 2004 |
| Lot Size | 0.179 acres (7,803 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Jul 2025) |
| Tax Bill | $2,655 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11849-827-000 |
| Primary APN | 11849-827-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,404 sqft Living Area |
| Gross Area | 2,845 sqft |
| 1st Floor Area | 2,260 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,803 sqft (0.179 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Driveway | Driveway |
| Driveway Area | 768 sqft |
| Pool Area | 144 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 192 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3602 WILLOW RIDGE RD |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-5662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | UND |
| Legal Description | HAMMOCKS PHASE 6 LOT 7 BLK G ORB 3470 P 1072 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 22 |
| Legal Subdivision | HAMMOCKS PHASE 6 |
| Legal Phase | 6 |
| Legal Block | G |
| Legal Lot Number | 7 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 5 |
| Census Block | 5016 |
| Census Tract | 1302 |
3602 Willow Ridge Rd is owned and occupied by two individuals who bought it in July 2025.
Source: Bay County records, as of January 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3602 WILLOW RIDGE RD, LYNN HAVEN, FL 32444-5662 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2025 · Amount on File |
| Deed Sale | Jul 11, 2025 · Amount on File |
| Prior Sale | Nov 1, 2004 · Amount on File |
| Deed Document Number | 202538993 |
| Deed Book / Page | 4931 / 1085 |
| Prior Transfer Date | Dec 12, 2012 |
| Prior Transfer Doc | 0034701072 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3602 WILLOW RIDGE RD, LYNN HAVEN, FL 32444-5662 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3602 WILLOW RIDGE RD, LYNN HAVEN, FL 32444-5662 |
| Document Number | 0044291928 |
|---|---|
| Date | Jul 6, 2021 |
| Book Page | 4429/1928 |
| Instrument | 2021051244 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2036 |
The 2025 property tax bill for 3602 Willow Ridge Rd was $2,655, down 5.8% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Lynn Haven City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,655.00 (-5.82%) Homeowner's exemption | $218,089 | $267,244 Land $54,360 Building $212,884 |
| 2024 | $2,819.00 (+3.41%) | ||
| 2023 | $2,726.00 (+12.92%) Homeowner's exemption | $205,770 (+3%) | $263,571 (+20.28%) Land $47,475 Building $216,096 |
| 2022 | $2,414.00 Homeowner's exemption | $199,777 | $219,125 Land $43,435 Building $175,690 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3602 Willow Ridge Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2018.
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 |
|---|---|
| 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 |
|
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 risk around 3602 Willow 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.
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 |
| 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.
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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