603 Tammy St, Lynn Haven, FL 32444 Property Records

Bay County property record for 603 Tammy St, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,395 sqft · built 1982
Lot Size	0.185 acres (8,058 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Mar 2018)
Tax Bill	$1,440 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Jul 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11635-060-000`

Property Details

APN / Parcel Number

Primary APN	`11635-060-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,395 sqft Living Area
1st Floor Area	1,395 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2012
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,058 sqft (0.185 acres)
Lot Dimensions	108 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	280 sqft
Driveway	Driveway
Driveway Area	750 sqft
Porch	Open Porch
Porch Area	761 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	603 TAMMY ST
City	LYNN HAVEN
State	FL
Zip	32444-4392
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BB
Legal Description	PINE FOREST ESTATES PHASE 11 LOT 6 BLK E ORB 3987 P 2371 MAP 103B1
Legal Range	14W
Legal Township	03S
Legal Section	16
Legal Subdivision	PINE FOREST ESTATES
Legal Phase	11
Legal Block	E
Legal Lot Number	6
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2020
Census Tract	1301

Owner

Source: Bay County records, as of January 5, 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	603 TAMMY ST, LYNN HAVEN, FL 32444-4392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2024	Deed of Trust, Mortgage · Commercial Mortgage NEWTEK BANK NA
Jul 31, 2023	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FINANCIAL CU
Oct 22, 2019	Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI
Nov 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Mar 13, 2018	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK
Jan 23, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2018 · Amount on Record
Deed Sale	Mar 13, 2018 · Amount on Record
Deed Document Number	201814534
Deed Book / Page	3987 / 2371
Prior Transfer Date	Aug 27, 2013
Prior Transfer Doc	0035441274
Record Updated	Jun 8, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	603 TAMMY ST, LYNN HAVEN, FL 32444-4392
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 TAMMY ST, LYNN HAVEN, FL 32444-4392

Mortgage

Document Number	0048701908
Date	Dec 26, 2024
Book Page	4870/1908
Instrument	2024074331

Lender

Name	NEWTEK BANK NA
Type	Bank
Address	NEW HYDE PARK, NY 11042

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2034

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	603 TAMMY ST, LYNN HAVEN, FL 32444-4392
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 TAMMY ST, LYNN HAVEN, FL 32444-4392

Mortgage

Document Number	0047141081
Date	Jul 31, 2023
Book Page	4714/1081
Instrument	2023047383

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	603 TAMMY ST, LYNN HAVEN, FL 32444-4392
Document Number	0041812120
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 20, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 TAMMY ST LYNN HAVEN FL 324444392, LYNN HAVEN, FL 32444-4392

Mortgage

Document Number	0041812120
Date	Oct 22, 2019
Book Page	004181/002120
Instrument	92016

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	2 20TH ST N # 320, BIRMINGHAM, AL 35203-4002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	603 TAMMY ST, LYNN HAVEN, FL 32444-4392
Document Number	0041340943
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 TAMMY ST LYNN HAVEN FL 324444392, LYNN HAVEN, FL 32444-4392

Mortgage

Document Number	0041340943
Date	Jun 14, 2019
Book Page	004134/000943
Instrument	55755

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 13, 2018
Property Address	603 TAMMY ST, LYNN HAVEN, FL 32444-4392
Document Number	0039872371
Book / Page	3987 / 2371
Map Reference	MB13 PG33
Instrument Date	Mar 9, 2018
Instrument	2018014534
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1523, LYNN HAVEN, FL 32444-6323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 TAMMY ST, LYNN HAVEN, FL 32444-4392

Mortgage

Document Number	2018014535
Date	Mar 13, 2018
Instrument	2018014535

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 23, 2017
Property Address	603 TAMMY ST, LYNN HAVEN, FL 32444-4392
Document Number	0038671576
Book / Page	003867 / 001576
Instrument Date	Jan 20, 2017
Instrument	3743
Transaction Type	Transfer
Record Updated	May 5, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$532.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1523 LYNN HAVEN FL 324446323, LYNN HAVEN, FL 32444-6323

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Lynn Haven City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,440.00 (-7.4%) Homeowner's exemption	$137,346 (+5.99%)	$182,137 (+12.73%) Land $56,200 Building $125,937
2024	$1,555.00 (+3.94%)
2023	$1,496.00 (+15.97%) Homeowner's exemption	$129,587 (+3%)	$161,569 (+13.66%) Land $48,000 Building $113,569
2022	$1,290.00 Homeowner's exemption	$125,813	$142,157 Land $47,825 Building $94,332

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 325 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	325 in force
Nearby Flood Claims	60 (1998–2021)
Claims Outside the SFHA	27 of 60
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Michael, Oct 2018 · 48 claims Severe Storms And Flooding, Jul 2013 · 3 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	Not rated no burnable land within 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 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 516 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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