Bay County property record for 509 E 8th St, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,453 sqft · built 1912 |
| Lot Size | 0.516 acres (22,476 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Jun 2025) |
| Tax Bill | $2,724 (2025) |
| Deeds & Mortgages | Jul 2018 Line of Credit Sep 2017 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 09640-000-000 |
| Primary APN | 09640-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,453 sqft Living Area |
| 1st Floor Area | 1,983 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 22,476 sqft (0.516 acres) |
| Lot Dimensions | 150 ft deep x 150 ft wide |
| Garage Type | Carport |
| Garage Area | 864 sqft |
| Carport | Carport |
| Carport Area | 864 sqft |
| Driveway | Driveway |
| Driveway Area | 1,032 sqft |
| Pool Area | 336 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 707 sqft |
| Patio Area | 600 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 509 E 8TH ST |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-2441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA |
| Legal Description | LYNN HAVEN 102C1 LOTS 1,2 & 3 BLK 145 ORB 3940 P 1389 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 09 |
| Legal Subdivision | LYNN HAVEN |
| Legal Block | 145 |
| Legal Lot Number | 1,2,3 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 1402 |
Source: Bay County assessment roll, APN 09640-000-000, as of January 5, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 9005 POLLY AVE, PANAMA CITY, FL 32408-4341 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 23, 2018 | Deed of Trust, Mortgage · Line of Credit INNOVATIONS FCU |
| Sep 27, 2017 | Special Warranty Deed, Transfer · Line of Credit INNOVATIONS FCU |
| Jul 25, 2017 | Trustee's Deed, Foreclosure |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 17, 2025 · Amount on Record |
| Deed Sale | Jun 17, 2025 · Amount on Record |
| Prior Sale | Sep 27, 2017 · Amount on Record |
| Deed Document Number | 202534012 |
| Deed Book / Page | 4923 / 1870 |
| Prior Transfer Date | Aug 15, 2003 |
| Prior Transfer Doc | 0023310397 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 509 E 8TH ST, LYNN HAVEN, FL 32444-2441 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040300253 |
|---|---|
| Date | Jul 23, 2018 |
| Book Page | 4030/0253 |
| Instrument | 2018043343 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32406 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Sep 27, 2017 |
| Property Address | 509 E 8TH ST, LYNN HAVEN, FL 32444-2441 |
| Document Number | 0039401389 |
| Book / Page | 3940 / 1389 |
| Map Reference | MB5 PG9 |
| Instrument Date | Sep 26, 2017 |
| Instrument | 2017055484 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 509 E 8TH ST, LYNN HAVEN, FL 32444-2441 |
| Document Number | 2017055485 |
|---|---|
| Date | Sep 27, 2017 |
| Instrument | 2017055485 |
| Name | INNOVATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 26, 2032 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 25, 2017 |
| Property Address | 509 E 8TH ST, LYNN HAVEN, FL 32444-2441 |
| Document Number | 0039202058 |
| Book / Page | 003920 / 002058 |
| Instrument Date | Jul 13, 2017 |
| Instrument | 41573 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 08, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,257.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Investor | Possibly a Property Investor |
Source: Bay County assessment roll as of January 5, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Lynn Haven City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,724.00 (-5.61%) Homeowner's exemption | $222,711 (+5.99%) | $312,286 (+16.49%) Land $78,750 Building $233,536 |
| 2024 | $2,886.00 (+3.37%) | ||
| 2023 | $2,792.00 (+12.85%) Homeowner's exemption | $210,130 (+3%) | $268,075 (+7.28%) Land $80,400 Building $187,675 |
| 2022 | $2,474.00 Homeowner's exemption | $204,010 | $249,886 Land $76,500 Building $173,386 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), as of September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050014023, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 |
|
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, 256 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
Source: EPA Safe Drinking Water Information System, water system FL1030435, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures