Bay County property record for 406 E 5th St, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,560 sqft · built 1912 |
| Lot Size | 0.232 acres (10,106 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Oct 2020) |
| Tax Bill | $2,402 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Jan 2020 Sale + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 09205-000-000 |
| Primary APN | 09205-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,560 sqft Heated Area |
| Gross Area | 1,592 sqft |
| 1st Floor Area | 1,060 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 10,106 sqft (0.232 acres) |
| Lot Dimensions | 135 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 320 sqft |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 212 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 406 E 5TH ST |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-1808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LYNN HAVEN (9.5) 102B4 LOT 9 LESS E 15' & BLK 68 S 1/2 LOT 10 LESS E 15' BLK 68 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 09 |
| Legal Subdivision | LYNN HAVEN |
| Legal Block | 68 |
| Legal Lot Number | 9,10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 1402 |
Source: Bay County records · APN 09205-000-000
Assessment roll updated July 1, 2025 · Last verified February 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 File |
|---|---|
| Mailing Address | 406 E 5TH ST, LYNN HAVEN, FL 32444-1808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 01, 2020 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK |
| Jan 14, 2020 | Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY |
| Dec 05, 2019 | Warranty Deed ATTORNEY ONLY |
| Aug 12, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 01, 2020 · Amount on Record |
| Deed Sale | Oct 01, 2020 · Amount on Record |
| Prior Sale | Jan 14, 2020 · Amount on Record |
| Deed Document Number | 2020064763 |
| Deed Book / Page | 4305 / 817 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 01, 2020 |
| Property Address | 406 E 5TH ST, LYNN HAVEN, FL 32444-1808 |
| Document Number | 0043050817 |
| Book / Page | 4305 / 817 |
| Map Reference | MB 5 PG 9 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 2020064763 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 770 AIRPORT RD, 770, PANAMA CITY, FL 32405-4003 |
| Name | Verified Name |
|---|---|
| Address | 406 E 5TH ST, LYNN HAVEN, FL 32444-1808 |
| Document Number | 0004305819 |
|---|---|
| Date | Oct 01, 2020 |
| Instrument | 4305/819 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 14, 2020 |
| Property Address | 406 E 5TH ST, LYNN HAVEN, FL 32444-1808 |
| Document Number | 0042110651 |
| Book / Page | 004211 / 000651 |
| Instrument Date | Jan 14, 2020 |
| Instrument | 3389 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 408 E 5TH ST LYNN HAVEN FL 324441808, LYNN HAVEN, FL 32444-1808 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 05, 2019 |
| Property Address | 406 E 5TH ST, LYNN HAVEN, FL 32444-1808 |
| Document Number | 0041980724 |
| Book / Page | 004198 / 000724 |
| Instrument Date | Dec 04, 2019 |
| Instrument | 103845 |
| Record Updated | Dec 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 770 AIRPORT RD PANAMA CITY FL 324054003, PANAMA CITY, FL 32405-4003 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 12, 2019 |
| Property Address | 406 E 5TH ST, LYNN HAVEN, FL 32444-1808 |
| Document Number | 0041554155 |
| Book / Page | 004155 |
| Instrument Date | Aug 12, 2019 |
| Instrument | 72067 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $318.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 770 AIRPORT RD PANAMA CITY FL 324054003, PANAMA CITY, FL 32405-4003 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Lynn Haven City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,402.00 (+3.09%) Homeowner's exemption | $201,274 (+6.29%) | $210,320 (+11.07%) Land $38,194 Building $172,126 |
| 2023 | $2,330.00 (-9.06%) Homeowner's exemption | $189,360 (+8.45%) Land $38,994 Building $150,366 | $189,360 (+8.45%) Land $38,994 Building $150,366 |
| 2022 | $2,562.00 | $174,608 Land $37,102 Building $137,506 | $174,608 Land $37,102 Building $137,506 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), updated September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050014023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 204 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Nov 2024 |
| Lead | 4 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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