Bay County property record for 623 Beachcomber Dr, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,930 sqft · built 2011 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Feb 2011) |
| Tax Bill | $4,112 (2025) |
| Deeds & Mortgages | Jan 2019 Mortgage Feb 2019 Loan Modification + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 08945-010-000 |
| Primary APN | 08945-010-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,930 sqft Heated Area |
| Gross Area | 3,997 sqft |
| 1st Floor Area | 2,930 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Area | 506 sqft |
| Driveway | Driveway |
| Driveway Area | 270 sqft |
| Pool Area | 510 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 561 sqft |
| Patio Area | 220 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 623 BEACHCOMBER DR |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-3411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH SHORE PLAT UNIT # 2 LOT 2 BLK C ORB 3304 P 1747 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | NORTH SHORE UN 02 |
| Legal Block | C |
| Legal Lot Number | 2 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 1404 |
623 Beachcomber Dr is owned and occupied by an individual who bought it in February 2011.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 623 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 11, 2019 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Feb 1, 2019 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI |
| Dec 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI |
| Dec 8, 2018 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2011 · Amount on File |
| Deed Sale | Feb 22, 2011 · Amount on File |
| Prior Sale | Dec 14, 2010 · Amount on File |
| Deed Document Number | 2011008490 |
| Deed Book / Page | 3304 / 1747 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 623 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3411 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0040780304 |
|---|---|
| Date | Jan 11, 2019 |
| Book Page | 4078/0304 |
| Instrument | 2019004294 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 623 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3411 |
| Document Number | 0041061462 |
| Instrument Date | Feb 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 623 BEACHCOMBER DR LYNN HAVEN FL 324443411, LYNN HAVEN, FL 32444-3411 |
| Document Number | 0041061462 |
|---|---|
| Date | Mar 29, 2019 |
| Book Page | 004106/001462 |
| Instrument | 32853 |
| Name | US SMALL BUSINESS ADMINISTRATI |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 28, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 623 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3411 |
| Document Number | 0040780311 |
| Instrument Date | Dec 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 623 BEACHCOMBER DR LYNN HAVEN FL 324443411, LYNN HAVEN, FL 32444-3411 |
| Document Number | 0040780311 |
|---|---|
| Date | Jan 11, 2019 |
| Book Page | 004078/000311 |
| Instrument | 4295 |
| Name | US SMALL BUSINESS ADMINISTRATI |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 10, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 623 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3411 |
| Document Number | 0040780318 |
| Instrument Date | Dec 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 623 BEACHCOMBER DR LYNN HAVEN FL 324443411, LYNN HAVEN, FL 32444-3411 |
| Document Number | 0040780318 |
|---|---|
| Date | Jan 11, 2019 |
| Book Page | 004078/000318 |
| Instrument | 4296 |
| Name | US SMALL BUSINESS ADMINISTRATI |
|---|---|
| Address | LYNN HAVEN, FL 32444 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 10, 2034 |
The 2025 property tax bill for 623 Beachcomber Dr was $4,112 with exemptions applied.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,112.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $376,972 | $525,798 Land $126,900 Building $398,898 |
| 2023 | $3,942.00 (+11.7%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $355,678 (+3%) | $409,802 (+7.57%) Land $76,500 Building $333,302 |
| 2022 | $3,529.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $345,318 | $380,978 Land $76,500 Building $304,478 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 623 Beachcomber Dr 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 |
|
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 risk around 623 Beachcomber Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 277 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 |
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