3604 Bay Tree Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 3604 Bay Tree Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,964 sqft · built 2005
Lot Size	0.202 acres (8,816 sqft)
Owner	Individual Name on File
Last Sale	$10,000 (Jul 2016)
Tax Bill	$2,349 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11849-843-000`

Property Details

APN / Parcel Number

Primary APN	`11849-843-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,964 sqft Living Area
Gross Area	2,405 sqft
1st Floor Area	1,793 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,816 sqft (0.202 acres)
Garage Type	Attached
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	640 sqft

Exterior Amenities

Pool Area	351 sqft
Porch	Florida Room
Porch Area	310 sqft
Patio Area	150 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3604 BAY TREE RD
City	LYNN HAVEN
State	FL
Zip	32444-5655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UND
Legal Description	HAMMOCKS PHASE 6 LOT 4 BLK H ORB 3810 P 1333
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	HAMMOCKS PHASE 6
Legal Phase	6
Legal Block	H
Legal Lot Number	4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	5
Census Block	5013
Census Tract	1302

Owner

3604 Bay Tree Rd is owned and occupied by an individual who bought it in July 2016.

Source: Bay County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	3604 BAY TREE RD, LYNN HAVEN, FL 32444-5655
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2016 · Amount on File
Deed Sale	Jul 1, 2016 · Amount on File
Prior Sale	Aug 27, 2012 · Amount on File
Deed Book / Page	3810 / 1333
Prior Transfer Date	Dec 11, 2007
Prior Transfer Doc	0030130539
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	3604 BAY TREE RD, LYNN HAVEN, FL 32444-5655
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042791366
Date	Jul 28, 2020
Book Page	4279/1366
Instrument	2020049097

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3604 Bay Tree Rd was $2,349 with a homeowner's exemption, down 3.6% from the year before.

Source: Bay County assessment roll, as of January 5, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,349.00 (-3.61%) Homeowner's exemption	$197,752	$241,681 Land $54,360 Building $187,321
2024	$2,437.00 (+3.31%)
2023	$2,359.00 (+9.82%) Homeowner's exemption	$186,582 (+3%)	$237,562 (+20.01%) Land $47,475 Building $190,087
2022	$2,148.00 Homeowner's exemption	$181,148	$197,947 Land $43,435 Building $154,512

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

Flood

FEMA maps place 3604 Bay Tree 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 3604 Bay Tree 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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