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3605 Bay Tree Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 3605 Bay Tree Rd, Lynn Haven, FL 32444

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,696 sqft · built 2005
Lot Size0.257 acres (11,233 sqft)
OwnerIndividual Name on File
Last Sale$260,000 (Sep 2021)
Tax Bill$2,860 (2025)
Deeds & MortgagesSep 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN11849-838-000

Property Details

APN / Parcel Number

Primary APN11849-838-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,696 sqft Heated Area
Gross Area2,491 sqft
1st Floor Area1,696 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2015
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area11,233 sqft (0.257 acres)
Garage Area484 sqft
DrivewayDriveway
Driveway Area666 sqft

Exterior Amenities

PorchPorch
Porch Area247 sqft
Patio Area64 sqft
FenceFence
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3605 BAY TREE RD
CityLYNN HAVEN
StateFL
Zip32444-5660
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHAMMOCKS PHASE 6 LOT 18 BLK G ORB 4459 P 786
Legal Range14W
Legal Township03S
Legal Section22
Legal SubdivisionHAMMOCKS
Legal Phase6
Legal BlockG
Legal Lot Number18
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group5
Census Block5016
Census Tract1302

Owner

3605 Bay Tree Rd is owned and occupied by an individual who bought it in September 2021.

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

Owner of RecordIndividual Name on File
Mailing Address3605 BAY TREE RD, LYNN HAVEN, FL 32444-5660
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleSep 10, 2021 · Amount on File
Deed SaleSep 10, 2021 · Amount on File
Prior SaleMay 21, 2010 · Amount on File
Deed Document Number2021069822
Deed Book / Page4459 / 786
Record UpdatedJun 8, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateSep 10, 2021
Property Address3605 BAY TREE RD, LYNN HAVEN, FL 32444-5660
Document Number0044590786
Book / Page4459 / 786
Map ReferenceMB 20 PG 10&11
Instrument DateSep 10, 2021
Instrument2021069822
Transaction TypeTransfer
Record UpdatedOct 1, 2021
Title CompanyCORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,820.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address31 PURITAN PL, 31, STAFFORD, VA 22554-7632

Transferred To (Grantee/Buyer)

NameVerified Name
Address3605 BAY TREE RD, LYNN HAVEN, FL 32444-5660

Mortgage

Document Number4459788
DateSep 10, 2021
Instrument4459/788
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3605 Bay Tree Rd was $2,860 with a homeowner's exemption.

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$2,860.00 Homeowner's exemption$231,718$234,023 Land $54,360 Building $179,663
2023$2,844.00 (+9.72%) Homeowner's exemption$218,629 (+3%)$229,861 (+8.29%) Land $47,475 Building $182,386
2022$2,592.00 Homeowner's exemption$212,261 Land $43,435 Building $168,826$212,261 Land $43,435 Building $168,826

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

Flood

FEMA maps place 3605 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 115 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies115 in force
Nearby Flood Claims5 (2018)
Claims Outside the SFHA3 of 5
Most Recent ClaimOct 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 3605 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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% 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 365 locations within half a mile, as of December 31, 2025

ProviderMax 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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