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408 Mowat School Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 408 Mowat School Rd, Lynn Haven, FL 32444

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,836 sqft · built 1972
Lot Size0.235 acres (10,280 sqft)
Owner2 Individual Names on File
Last Sale$180,000 (Jul 2018)
Tax Bill$1,120 (2025)
Deeds & MortgagesSep 2018 Mortgage
Jul 2018 Sale
Flood ZoneZone X (minimal risk)
APN11634-054-000

Property Details

APN / Parcel Number

Primary APN11634-054-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,836 sqft Heated Area
Gross Area2,394 sqft
1st Floor Area1,836 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 2002
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area10,280 sqft (0.235 acres)
Lot Dimensions132 ft deep x 78 ft wide
Garage TypeCarport
Garage Area324 sqft
CarportCarport
PorchPorch
Porch Area234 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address408 MOWAT SCHOOL RD
CityLYNN HAVEN
StateFL
Zip32444-4239
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionREPLAT OF LYNNWOOD LOT 10 BLK C ORB 4029 P 1507
Legal Range14W
Legal Township03S
Legal Section16
Legal SubdivisionLYNNWOOD
Legal BlockC
Legal Lot Number10
JurisdictionBAY FL
Township / Civil DivisionLYNN HAVEN
Census Block Group1
Census Block1030
Census Tract1404

Owner

408 Mowat School Rd is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record2 Individual Names on File
Mailing Address408 MOWAT SCHOOL RD, LYNN HAVEN, FL 32444-4239
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2018Deed of Trust, Mortgage · Conventional Mortgage
TYNDALL FCU
Jul 20, 2018Warranty Deed, Transfer
SOUTH OAK TITLE 30A LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 20, 2018 · Amount on File
Deed SaleJul 20, 2018 · Amount on File
Deed Document Number2018042987
Deed Book / Page4029 / 1507
Record UpdatedJun 8, 2026

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBAY FL
Property Address408 MOWAT SCHOOL RD, LYNN HAVEN, FL 32444-4239
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0040461862
DateSep 11, 2018
Book Page4046/1862
Instrument2018054708
Lender
NameTYNDALL FCU
TypeCredit Union
AddressWILLOW CREEK, MT 59760
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term120 Months
DueSep 1, 2028

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBAY FL
Recording DateJul 20, 2018
Property Address408 MOWAT SCHOOL RD, LYNN HAVEN, FL 32444-4239
Document Number0040291507
Book / Page004029 / 001507
Instrument DateJul 18, 2018
Instrument42987
Transaction TypeTransfer
Record UpdatedJul 30, 2019
Title CompanySOUTH OAK TITLE 30A LLC

Transaction

AmountAmount on Record
Tax$1,260.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address408 MOWAT SCHOOL RD LYNN HAVEN FL 324444239, LYNN HAVEN, FL 32444-4239

Tax Assessment & Valuation

The 2025 property tax bill for 408 Mowat School Rd was $1,120 with a homeowner's exemption.

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$1,120.00 Homeowner's exemption$116,047$200,456 Land $44,928 Building $155,528
2023$1,120.00 (+10.67%) Homeowner's exemption$109,491 (+3%)$178,264 (+12.25%) Land $42,681 Building $135,583
2022$1,012.00 Homeowner's exemption$106,302$158,816 Land $35,118 Building $123,698

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

Flood

FEMA maps place 408 Mowat School Rd in Zone X, an area of minimal flood risk, though there have been 304 flood claims nearby since 1985.

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 14 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies14 in force
Nearby Flood Claims304 (1985–2021)
Claims Outside the SFHA101 of 304
Most Recent ClaimOct 2021 · rainfall accumulation
Claims by Event
  • Hurricane Michael, Oct 2018 · 49 claims
  • Hurricane Dennis, Jul 2005 · 41 claims
  • Hurricane Opal, Oct 1995 · 164 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 408 Mowat School Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% 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 301 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
WOW Internet, Cable & Phone
Cable		1,200 / 50
Verizon
Fixed Wireless		1,000 / 75
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

May also be available: T-Mobile.

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