Bay County property record for 409 Virginia Ave, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,400 sqft · built 1966 |
| Lot Size | 0.257 acres (11,238 sqft) |
| Owner | Owner Name on File |
| Last Sale | $84,415 (Jun 2014) |
| Tax Bill | $2,082 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 09152-000-000 |
| Primary APN | 09152-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,400 sqft Heated Area |
| Gross Area | 1,894 sqft |
| 1st Floor Area | 1,400 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 11,238 sqft (0.257 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Porch | Porch |
| Porch Area | 404 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 409 VIRGINIA AVE |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-1211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LYNN HAVEN (58.8) N 35' LOT 12 & S 40' OF LOT 13 BLK 58 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 09 |
| Legal Subdivision | LYNN HAVEN |
| Legal Block | 58 |
| Legal Lot Number | 12,13 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 1403 |
The current owner of 409 Virginia Ave bought it in June 2014.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 714 VIRGINIA AVE, LYNN HAVEN, FL 32444-1614 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2014 · Amount on File |
| Deed Sale | Jun 16, 2014 · Amount on File |
| Prior Sale | Mar 12, 2014 · Amount on File |
| Deed Document Number | 2014032221 |
| Deed Book / Page | 3616 / 1894 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 409 Virginia Ave was $2,082.
Source: Bay County assessment roll, as of July 1, 2025
| 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 | $2,082.00 | $138,410 Land $50,250 Building $88,160 | $138,410 Land $50,250 Building $88,160 |
| 2023 | $2,001.00 (+20.25%) | $133,421 (+19.48%) Land $47,625 Building $85,796 | $133,421 (+19.48%) Land $47,625 Building $85,796 |
| 2022 | $1,664.00 | $111,670 Land $33,750 Building $77,920 | $111,670 Land $33,750 Building $77,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Virginia Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 177 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 177 in force |
| Nearby Flood Claims | 364 (1985–2021) |
| Claims Outside the SFHA | 57 of 364 |
| 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.
Wildfire risk around 409 Virginia Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 227 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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