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3739 Bay Tree Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 3739 Bay Tree Rd, Lynn Haven, FL 32444

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,102 sqft · built 2005
Lot Size0.214 acres (9,342 sqft)
Owner2 Owner Names on File
Last Sale$304,800 (Feb 2005)
Tax Bill$4,386 (2025)
Deeds & MortgagesJun 2017 Mortgage
May 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN11849-756-000

Property Details

APN / Parcel Number

Primary APN11849-756-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,102 sqft Heated Area
Gross Area3,162 sqft
1st Floor Area2,102 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2015
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area9,342 sqft (0.214 acres)
Garage Area484 sqft
DrivewayDriveway
Driveway Area720 sqft

Exterior Amenities

Pool Area476 sqft
PorchPorch
Porch Area576 sqft
Patio Area240 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address3739 BAY TREE RD
CityLYNN HAVEN
StateFL
Zip32444-5675
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHAMMOCKS PHASE V LOT 10 BLK K ORB 2447 P 1775
Legal Range14W
Legal Township03S
Legal Section22
Legal SubdivisionHAMMOCKS PHASE V
Legal Phase5
Legal BlockK
Legal Lot Number10
JurisdictionBAY FL
Township / Civil DivisionPANAMA CITY
Census Block Group5
Census Block5004
Census Tract1302

Owner

The current owner of 3739 Bay Tree Rd bought it in February 2005.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Owner Names on File
Mailing Address3647 N 575 W, PLEASANT VIEW, UT 84414-3613

Deeds, Mortgages & Sale History

DateDocument
Jun 9, 2017Deed of Trust, Mortgage · Conventional Mortgage
NATIONSTAR MORTGAGE LLC
May 18, 2017Loan Modification, Mortgage · Line of Credit
USAA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 16, 2005 · Amount on File
Deed SaleFeb 16, 2005 · Amount on File
Prior SaleJul 1, 2004 · Amount on File
Deed Document Number2005-012102
Deed Book / Page2565 / 0370
Record UpdatedJun 8, 2026

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address3739 BAY TREE RD, LYNN HAVEN, FL 32444-5675
Transaction TypeMortgage
Record UpdatedJul 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0039080780
DateJun 9, 2017
Book Page3908/0780
Instrument2017032936
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueJul 1, 2032

May 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionBAY FL
Property Address3739 BAY TREE RD, LYNN HAVEN, FL 32444-5675
Document Number0039080802
Book / Page003908 / 000802
Instrument DateMay 18, 2017
Transaction TypeMortgage
Record UpdatedJun 29, 2017

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0039080802
DateJun 9, 2017
Book Page003908/000802
Instrument32937
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3739 Bay Tree Rd was $4,386.

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$4,386.00$291,548 Land $54,360 Building $237,188$291,548 Land $54,360 Building $237,188
2023$4,351.00 (+22.56%)$288,138 (+20.52%) Land $47,475 Building $240,663$288,138 (+20.52%) Land $47,475 Building $240,663
2022$3,550.00$239,082 Land $43,435 Building $195,647$239,082 Land $43,435 Building $195,647

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

Flood

FEMA maps place 3739 Bay Tree 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 ZoneZone X
minimal risk
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 3739 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 94% of the US · lower than 94% 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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