609 Sparrow St, Lynn Haven, FL 32444 Property Records

Bay County property record for 609 Sparrow St, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1985
Lot Size	0.185 acres (8,058 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Oct 2021)
Tax Bill	$1,567 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11635-171-000`

Property Details

APN / Parcel Number

Primary APN	`11635-171-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	1,502 sqft
1st Floor Area	1,152 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2015
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	350 sqft
Driveway	Driveway
Porch	Open Porch
Porch Area	65 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	609 SPARROW ST
City	LYNN HAVEN
State	FL
Zip	32444-4388
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BB
Legal Description	PINE FOREST ESTATES PHASE 3 LOT 9 BLK F MAP 103B1 ORB 4472 P 2402
Legal Range	14W
Legal Township	03S
Legal Section	16
Legal Subdivision	PINE FOREST ESTATES
Legal Phase	3
Legal Block	F
Legal Lot Number	9
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2027
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	2 Individual Names on Record
Mailing Address	609 SPARROW ST, LYNN HAVEN, FL 32444-4388
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Commercial Mortgage BAY COUNTY BOARD OF COMMISSIONERS
Oct 14, 2021	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Deed Document Number	202178689
Deed Book / Page	4472 / 2402
Prior Transfer Date	Nov 16, 2015
Prior Transfer Doc	0037531088
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	609 SPARROW ST, LYNN HAVEN, FL 32444-4388
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044730127
Date	Oct 14, 2021
Book Page	4473/127
Instrument	2021078743

Lender

Name	BAY COUNTY BOARD OF COMMISSIONERS
Type	Government Agency

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 14, 2021
Property Address	609 SPARROW ST, LYNN HAVEN, FL 32444-4388
Document Number	0044722402
Book / Page	4472 / 2402
Map Reference	MB 14 PG 54
Instrument Date	Oct 13, 2021
Instrument	2021078689
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1263 CAPRI DR, 1263, PANAMA CITY, FL 32405-4802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 SPARROW ST, LYNN HAVEN, FL 32444-4388

Mortgage

Document Number	0044730001
Date	Oct 14, 2021
Book Page	4473/1
Instrument	2021078691

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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	$1,567.00 (-1.26%) Homeowner's exemption Additional exemption filed	$178,042 (+5.99%)	$210,120 (+12.41%) Land $56,200 Building $153,920
2024	$1,587.00 (+4.13%)
2023	$1,524.00 (+10.04%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$167,984 (+3%)	$186,915 (+14.61%) Land $48,000 Building $138,915
2022	$1,385.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$163,091 Land $47,825 Building $115,266	$163,091 Land $47,825 Building $115,266

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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