637 Beachcomber Dr, Lynn Haven, FL 32444 Property Records

Bay County property record for 637 Beachcomber Dr, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,360 sqft · built 1979
Lot Size	0.344 acres (14,984 sqft)
Owner	2 Individual Names on Record
Last Sale	$198,000 (Jan 2002)
Tax Bill	$2,968 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`08945-030-000`

Property Details

APN / Parcel Number

Primary APN	`08945-030-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,360 sqft Living Area
Gross Area	2,912 sqft
1st Floor Area	1,940 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1989
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,984 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	552 sqft
Driveway	Driveway

Exterior Amenities

Pool Area	312 sqft
Porch	Florida Room
Porch Area	534 sqft
Lawn Sprinklers	Lawn Sprinklers
Boat Access	Boat Access
Boat House	Boat House

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	637 BEACHCOMBER DR
City	LYNN HAVEN
State	FL
Zip	32444-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH SHORE PLAT UNIT # 2 LOT 4 BLK C ORB 3783 P 611
Legal Range	14W
Legal Township	03S
Legal Section	07
Legal Subdivision	NORTH SHORE PLAT
Legal Block	C
Legal Lot Number	4
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2065
Census Tract	1404

Owner

Source: Bay County records, as of January 5, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	637 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2002 · Amount on Record
Deed Sale	Jan 8, 2002 · Amount on Record
Deed Document Number	20021559
Deed Book / Page	2103 / 1000
Last Transfer Date	Nov 5, 2024
Transfer Doc	0048561682
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	637 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042422132
Date	Apr 15, 2020
Book Page	4242/2132
Instrument	2020026109

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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

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	$2,968.00 (+2.03%) Homeowner's exemption	$279,532 (+5.99%)	$405,658 (+31.8%) Land $126,900 Building $278,758
2024	$2,909.00 (+1.96%)
2023	$2,853.00 (+11.4%) Homeowner's exemption	$263,742 (+2.82%)	$307,772 (+7.04%) Land $76,500 Building $231,272
2022	$2,561.00 Homeowner's exemption	$256,501	$287,517 Land $76,500 Building $211,017

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 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 Record 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

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