406 E 11th St, Lynn Haven, FL 32444 Property Records

Bay County property record for 406 E 11th St, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 884 sqft · built 1970
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$203,000 (Jan 2022)
Tax Bill	$1,962 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`09819-030-000`

Property Details

APN / Parcel Number

Primary APN	`09819-030-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	884 sqft Heated Area
Gross Area	1,340 sqft
1st Floor Area	884 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,492 sqft (0.171 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	258 sqft

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Deck Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	406 E 11TH ST
City	LYNN HAVEN
State	FL
Zip	32444-2642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LYNN HAVEN E1/2 LOTS 9 & 10 BLK 175 ORB 4514 P 1103
Legal Range	14W
Legal Township	03S
Legal Section	09
Legal Subdivision	LYNN HAVEN
Legal Block	175
Legal Lot Number	9,10 10
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	3
Census Block	3034
Census Tract	1402

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	406 E 11TH ST, LYNN HAVEN, FL 32444-2642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Warranty Deed, Transfer · FHA Mortgage FIRST HORIZON BANK
May 8, 2020	Warranty Deed, Transfer · Conventional Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2022 · Amount on Record
Deed Sale	Jan 24, 2022 · Amount on Record
Prior Sale	May 8, 2020 · Amount on Record
Deed Document Number	2022005116
Deed Book / Page	4514 / 1103
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 24, 2022
Property Address	406 E 11TH ST, LYNN HAVEN, FL 32444-2642
Document Number	0045141103
Book / Page	4514 / 1103
Map Reference	MB 5 PG 9&10
Instrument Date	Jan 21, 2022
Instrument	2022005116
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,421.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10102 DAVENPORT AVE, 10102, YOUNGSTOWN, FL 32466-2901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E 11TH ST, LYNN HAVEN, FL 32444-2642

Mortgage

Document Number	0045141105
Date	Jan 24, 2022
Instrument	4514/1105

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 8, 2020
Property Address	406 E 11TH ST, LYNN HAVEN, FL 32444-2642
Document Number	0042500589
Book / Page	4250 / 589
Map Reference	MB 5 PG 9&10
Instrument Date	Apr 23, 2020
Instrument	2020030626
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$642.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 WESTHALL AVE, 5337, LOUISVILLE, KY 40214-3549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E 11TH ST, LYNN HAVEN, FL 32444-2642

Mortgage

Document Number	0004250592
Date	May 8, 2020
Instrument	4250/592

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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	$1,962.00 (+2.13%) Homeowner's exemption	$172,073 (+5.99%)	$182,795 (+12.59%) Land $33,469 Building $149,326
2023	$1,921.00 (+388.8%) Homeowner's exemption	$162,353 (+94.72%) Land $34,170 Building $128,183	$162,353 (+9.27%) Land $34,170 Building $128,183
2022	$393.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$83,376	$148,584 Land $32,512 Building $116,072

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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