Bay County property record for 408 E 5th St, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,200 sqft · built 1975 |
| Lot Size | 0.283 acres (12,327 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $932 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2018 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 09204-000-000 |
| Primary APN | 09204-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,200 sqft Living Area |
| 1st Floor Area | 2,200 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,327 sqft (0.283 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 256 sqft |
| Driveway | Driveway |
| Porch | Slab |
| Porch Area | 368 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 408 E 5TH ST |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-1808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AAA |
| Legal Description | LYNN HAVEN (7.1) 102B4 W1/2 LOTS 6, 7 & 8 BLK 68 ***AND*** E 15 LOT 9 & E 15 OF S1/2 LOT 10 ORB 1345 P 470 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 09 |
| Legal Subdivision | LYNN HAVEN |
| Legal Block | 68 |
| Legal Lot Number | 6 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 1402 |
Source: Bay County records, as of May 6, 2026
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 Record |
|---|---|
| Mailing Address | 408 E 5TH ST, LYNN HAVEN, FL 32444-1808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2026 | Deed of Trust, Mortgage · Commercial Mortgage JAMES SIMMONS |
| Sep 6, 2018 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Aug 28, 2018 | Deed of Trust, Mortgage · Line of Credit PANHANDLE EDUCATORS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 408 E 5TH ST, LYNN HAVEN, FL 32444-1808 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 408 E 5TH ST, LYNN HAVEN, FL 32444-1808 |
| Document Number | 0050120921 |
|---|---|
| Date | Mar 13, 2026 |
| Book Page | 5012/921 |
| Instrument | 2026015283 |
| Name | JAMES SIMMONS |
|---|---|
| Type | Private Party |
| Address | 408 E 5TH ST, LYNN HAVEN, FL 32444 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 408 E 5TH ST, LYNN HAVEN, FL 32444-1808 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040450235 |
|---|---|
| Date | Sep 6, 2018 |
| Book Page | 4045/0235 |
| Instrument | 2018053484 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 408 E 5TH ST, LYNN HAVEN, FL 32444-1808 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040420906 |
|---|---|
| Date | Aug 28, 2018 |
| Book Page | 4042/0906 |
| Instrument | 2018051779 |
| Name | PANHANDLE EDUCATORS FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32405 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 204 Months |
| Due | Aug 17, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Lynn Haven City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $932.00 (-11.66%) Homeowner's exemption | $103,587 (+6.48%) | $173,630 (+10.43%) Land $45,203 Building $128,427 |
| 2024 | $1,055.00 (+4.77%) | ||
| 2023 | $1,007.00 (+10.54%) Homeowner's exemption | $97,286 (+3%) | $157,232 (+8.5%) Land $46,149 Building $111,083 |
| 2022 | $911.00 Homeowner's exemption | $94,452 | $144,908 Land $43,911 Building $100,997 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 204 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 |
| Verizon Fixed Wireless | 1,000 / 75 |
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