4305 Pine Tree Ln, Lynn Haven, FL 32444 Property Records

Bay County property record for 4305 Pine Tree Ln, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,950 sqft · built 1981
Lot Size	0.908 acres (39,596 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Jan 2021)
Tax Bill	$3,644 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Aug 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`11726-231-000`

Property Details

APN / Parcel Number

Primary APN	`11726-231-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,950 sqft Heated Area
Gross Area	3,480 sqft
1st Floor Area	720 sqft
2nd Floor Area	1,230 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2001
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	39,596 sqft (0.908 acres)
Lot Dimensions	225 ft deep x 176 ft wide
Garage Area	798 sqft
Driveway	Driveway
Driveway Area	2,100 sqft

Exterior Amenities

Porch	Porch
Porch Area	732 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4305 PINE TREE LN
City	LYNN HAVEN
State	FL
Zip	32444-4414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	BINGOOSE ESTATES UNIT 1 LOT 8 BLK B M-90B
Legal Range	14W
Legal Township	03S
Legal Section	18
Legal Subdivision	BINGOOSE ESTATES UNIT 1
Legal Block	B
Legal Lot Number	8
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2065
Census Tract	1404

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	4305 PINE TREE LN, LYNN HAVEN, FL 32444-4414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2021	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Aug 8, 2019	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2021 · Amount on Record
Deed Sale	Jan 5, 2021 · Amount on Record
Prior Sale	Aug 8, 2019 · Amount on Record
Deed Document Number	2021000445
Deed Book / Page	4346 / 1906
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 5, 2021
Property Address	4305 PINE TREE LN, LYNN HAVEN, FL 32444-4414
Document Number	0043461906
Book / Page	4346 / 1906
Map Reference	MB 12 PG 39
Instrument Date	Dec 21, 2020
Instrument	2021000445
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SOUTH OAK TITLE 30A LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4305 PINE TREE LN, 4305, LYNN HAVEN, FL 32444-4414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4305 PINE TREE LN, LYNN HAVEN, FL 32444-4414

Mortgage

Document Number	0043461908
Date	Jan 5, 2021
Instrument	4346/1908

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Aug 8, 2019
Property Address	4305 PINE TREE LN, LYNN HAVEN, FL 32444-4414
Document Number	0041540449
Book / Page	004154 / 000449
Instrument Date	Aug 7, 2019
Instrument	71396
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4305 PINE TREE LN LYNN HAVEN FL 324444414, LYNN HAVEN, FL 32444-4414

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,644.00 (+4.14%) Homeowner's exemption	$334,161 (+5.99%)	$362,408 (+7.66%) Land $97,838 Building $264,570
2023	$3,499.00 (+11.65%) Homeowner's exemption	$315,284 (+3%)	$336,621 (+9.97%) Land $84,985 Building $251,636
2022	$3,134.00 Homeowner's exemption	$306,101 Land $77,119 Building $228,982	$306,101 Land $77,119 Building $228,982

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

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 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 Record median of 425 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	425 in force
Nearby Flood Claims	112 (1989–2024)
Claims Outside the SFHA	24 of 112
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 52 claims Hurricane Dennis, Jul 2005 · 10 claims Hurricane Opal, Oct 1995 · 41 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	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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
Also Mapped Here	PANAMA CITY WATER SYSTEM
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 91 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	300 / 20

May also be available: AT&T.

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