4326 Pine Tree Ln, Lynn Haven, FL 32444 Property Records

Bay County property record for 4326 Pine Tree Ln, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,217 sqft · built 1979
Lot Size	0.555 acres (24,175 sqft)
Owner	Individual Name on File
Last Sale	$317,000 (May 2021)
Tax Bill	$4,569 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Jan 2023 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`11726-225-000`

Property Details

APN / Parcel Number

Primary APN	`11726-225-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,217 sqft Living Area
Gross Area	2,746 sqft
1st Floor Area	2,217 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	24,175 sqft (0.555 acres)
Lot Dimensions	220 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	529 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4326 PINE TREE LN
City	LYNN HAVEN
State	FL
Zip	32444-4415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC15
Legal Description	BINGOOSE ESTATES UNIT 1 LOT 5 & S 3 OF LOT 4 BLK B M-90B ORB 4401 P 1432
Legal Range	14W
Legal Township	03S
Legal Section	18
Legal Subdivision	BINGOOSE ESTATES
Legal Block	B
Legal Lot Number	5,4
Legal Unit	1
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2088
Census Tract	1404

Owner

4326 Pine Tree Ln is owned by an individual who bought it in May 2021.

Source: Bay County records, as of March 16, 2026

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

Owner of Record	Individual Name on File
Mailing Address	573 MARY LOU WAY, CRESTVIEW, FL 32539-6768
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC
Jan 4, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Oct 21, 2021	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC
May 5, 2021	Warranty Deed, Transfer · Conventional Mortgage RIVER CITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2021 · Amount on File
Deed Sale	May 5, 2021 · Amount on File
Prior Sale	Aug 30, 2007 · Amount on File
Deed Document Number	202133690
Deed Book / Page	4401 / 1432
Prior Transfer Date	Feb 25, 2008
Prior Transfer Doc	0030251963
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	4326 PINE TREE LN, LYNN HAVEN, FL 32444-4415
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4326 PINE TREE LN, LYNN HAVEN, FL 32444-4415

Mortgage

Document Number	0047210911
Date	Aug 17, 2023
Book Page	4721/911
Instrument	2023052183

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	4326 PINE TREE LN, LYNN HAVEN, FL 32444-4415
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4326 PINE TREE LN, LYNN HAVEN, FL 32444-4415

Mortgage

Document Number	0046451216
Date	Jan 4, 2023
Book Page	4645/1216
Instrument	2023000409

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jan 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	4326 PINE TREE LN, LYNN HAVEN, FL 32444-4415
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	DEFENDER TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4326 PINE TREE LN, LYNN HAVEN, FL 32444-4415

Mortgage

Document Number	0044761238
Date	Oct 21, 2021
Book Page	4476/1238
Instrument	2021080887

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	May 5, 2021
Property Address	4326 PINE TREE LN, LYNN HAVEN, FL 32444-4415
Document Number	0044011432
Book / Page	4401 / 1432
Map Reference	MB 12 PG 39
Instrument Date	Apr 27, 2021
Instrument	2021033690
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,219.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 16114, PANAMA CITY, FL 32406-6114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4326 PINE TREE LN, LYNN HAVEN, FL 32444-4415

Mortgage

Document Number	0044011434
Date	May 5, 2021
Instrument	4401/1434

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4326 Pine Tree Ln was $4,569.

Source: Bay County assessment roll, as of January 5, 2026

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	$4,569.00	$369,256 Land $61,149 Building $308,107	$369,256 Land $61,149 Building $308,107
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$267,737	$286,572 Land $53,115 Building $233,457

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

Flood

FEMA maps place 4326 Pine Tree Ln 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 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

Wildfire risk around 4326 Pine Tree Ln is moderate, ranking above 47% of the US, with a 0.1% annual chance of 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
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.

Nearby Properties on Pine Tree Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures