632 Beachcomber Dr, Lynn Haven, FL 32444 Property Records

Bay County property record for 632 Beachcomber Dr, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,091 sqft · built 1986
Lot Size	0.344 acres (14,985 sqft)
Owner	Owner Name on File
Last Sale	$295,000 (May 2010)
Tax Bill	$2,922 (2025)
Deeds & Mortgages	Jun 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`08945-015-000`

Property Details

APN / Parcel Number

Primary APN	`08945-015-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,091 sqft Heated Area
Gross Area	3,735 sqft
1st Floor Area	1,515 sqft
2nd Floor Area	576 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1990
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	720 sqft

Exterior Amenities

Porch	Porch
Porch Area	588 sqft
Deck Area	192 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	632 BEACHCOMBER DR
City	LYNN HAVEN
State	FL
Zip	32444-3412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHSHORE PLAT UNIT 2 LOT 24 BLK C ORB 3237 P 563
Legal Range	14W
Legal Township	03S
Legal Section	07
Legal Subdivision	NORTH SHORE UN 02
Legal Block	C
Legal Lot Number	24
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2065
Census Tract	1404

Owner

The current owner of 632 Beachcomber Dr bought it in May 2010.

Source: Bay County records, as of January 23, 2026

Owner of Record	Owner Name on File
Mailing Address	632 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3412
Occupancy	Owner Occupied

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Last Sale	May 4, 2010 · Amount on File
Deed Sale	May 4, 2010 · Amount on File
Deed Document Number	2010022109
Deed Book / Page	3237 / 0563
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	632 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040180322
Date	Jun 14, 2018
Book Page	4018/0322
Instrument	2018035386

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 632 Beachcomber Dr was $2,922 with a homeowner's exemption.

Source: Bay County assessment roll, as of July 1, 2025

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	$2,922.00 Homeowner's exemption	$275,842	$426,644 Land $126,900 Building $299,744
2023	$2,716.00 (+11.63%) Homeowner's exemption	$252,769 (+3%)	$318,877 (+7.26%) Land $76,500 Building $242,377
2022	$2,433.00 Homeowner's exemption	$245,407	$297,293 Land $76,500 Building $220,793

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

Flood

FEMA maps place 632 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	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 632 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.

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 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