402 E 10th St, Lynn Haven, FL 32444 Property Records

Bay County property record for 402 E 10th St, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,926 sqft · built 1985
Lot Size	0.601 acres (26,223 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,073 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jun 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09666-000-000`

Property Details

APN / Parcel Number

Primary APN	`09666-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,926 sqft Heated Area
Gross Area	3,020 sqft
1st Floor Area	1,926 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	26,223 sqft (0.601 acres)
Lot Dimensions	150 ft deep x 175 ft wide
Garage Area	572 sqft

Exterior Amenities

Pool Area	200 sqft
Porch	Porch
Porch Area	522 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	402 E 10TH ST
City	LYNN HAVEN
State	FL
Zip	32444-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LYNN HAVEN 102C1 LOTS 11, 12, 13 & S 25' LOT 14 ORB 1046 P 813 BLK 150
Legal Range	14W
Legal Township	03S
Legal Section	09
Legal Subdivision	LYNN HAVEN
Legal Block	150
Legal Lot Number	11-14 12
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	3
Census Block	3027
Census Tract	1402

Owner

Source: Bay County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	402 E 10TH ST, LYNN HAVEN, FL 32444-2423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · Line of Credit TYNDALL FCU
Jun 14, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU
Apr 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMEWARD RESID'L

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 20, 2003
Deed Sale	Jun 20, 2003
Deed Document Number	2003-043714
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	402 E 10TH ST, LYNN HAVEN, FL 32444-2423
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E 10TH ST, LYNN HAVEN, FL 32444-2423

Mortgage

Document Number	0050102129
Date	Mar 10, 2026
Book Page	5010/2129
Instrument	2026014359

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	402 E 10TH ST, LYNN HAVEN, FL 32444-2423
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E 10TH ST, LYNN HAVEN, FL 32444-2423

Mortgage

Document Number	0046990500
Date	Jun 14, 2023
Book Page	4699/500
Instrument	2023036855

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2033

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	402 E 10TH ST, LYNN HAVEN, FL 32444-2423
Document Number	0039971159
Instrument Date	Apr 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E 10TH ST LYNN HAVEN FL 324442423, LYNN HAVEN, FL 32444-2423

Mortgage

Document Number	0039971159
Date	Apr 11, 2018
Book Page	003997/001159
Instrument	21175

Lender

Name	HOMEWARD RESID'L
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 10, 2033

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	$2,073.00 (-4.65%) Homeowner's exemption	$179,405 (+5.99%)	$294,232 (+8.82%) Land $91,875 Building $202,357
2023	$2,174.00 (+13.94%) Homeowner's exemption	$169,271 (+3%)	$270,389 (+7.84%) Land $93,800 Building $176,589
2022	$1,908.00 Homeowner's exemption	$164,341	$250,742 Land $89,250 Building $161,492

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	41 (1995–2021)
Claims Outside the SFHA	35 of 41
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Tropical Storm Fred, Aug 2021 · 4 claims Hurricane Michael, Oct 2018 · 17 claims Severe Storms And Flooding, Jul 2013 · 9 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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on E 10th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures